HDFC Flexi Cap Fund vs DSP Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.77%
dekho, aaj hum do funds ki comparison karne ja rahe hain, ek Multi Cap fund, HDFC Flexi Cap Fund, aur dusra Liquid Fund, DSP Mutual Fund Liquid Fund. Chaliye, in dono funds ke bare mein jaante hain aur dekhein ki kaunsa fund aapke liye better hai. hum yahaan aapko bataayenge ki in funds ke returns, risk, aur expenses kya hain.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | DSP Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 89.77 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.12 |
| Sharpe Ratio | 0.87 | 2.25 |
| 1 Year Return (%) | -0.81% | 2.95% |
| 3 Year Return (%) | 17.84% | 6.77% |
| 5 Year Return (%) | 17.6% | 5.92% |
| Since Launch (%) | 14.35% | 6.91% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Atul Bhole (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 26% | 243% |
🤖 AI Verdict – Which is Better?
haan, agar aap long-term wealth creation ke liye investment kar rahe hain, to HDFC Flexi Cap Fund ek accha vikalp hai, kyunki iska 3Y return 17.84% hai, jo ki DSP Mutual Fund Liquid Fund se zyada hai. lekin, risk bhi zyada hai, isliye aapko dhyan se nirnay lena hoga. expense ratio bhi thoda zyada hai, 0.67%, lekin returns acche hain.
Why consider HDFC Flexi Cap Fund?
- Expense ratio: 0.67%
- 3Y return: 17.84%
- AUM: 10.05 Lac Cr
- Sharpe Ratio: 0.87
Why consider DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
sach ye hai ki DSP Mutual Fund Liquid Fund ek stable aur low-risk fund hai, isliye yeh SIP ke liye accha hai. lekin, agar aap 10+ years ke liye investment kar rahe hain, to HDFC Flexi Cap Fund bhi ek accha vikalp hai, kyunki iska consistency accha hai aur returns bhi acche hain.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se HDFC Flexi Cap Fund ka risk very high hai, lekin Sharpe ratio 0.87 hai, jo ki DSP Mutual Fund Liquid Fund se kam hai. expense ratio bhi zyada hai, 0.67%. lekin, DSP Mutual Fund Liquid Fund ka risk low hai, aur Sharpe ratio 2.25 hai, jo ki zyada hai.
📊 Portfolio Diversification
chaliye, asset allocation ke bare mein baat karte hain. HDFC Flexi Cap Fund ka asset allocation ekdam equity mein hai, 97%, aur thoda sa T-Bills mein hai, 3%. DSP Mutual Fund Liquid Fund ka asset allocation zyada diversified hai, T-Bills, CD, CP, aur cash mein invested hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@6.8% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
HDFC Flexi Cap Fund ka 5Y return 17.6% hai, jo ki DSP Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
haan, agar aap long-term wealth creation ke liye investment kar rahe hain, to HDFC Flexi Cap Fund ka higher risk worth it ho sakta hai, kyunki returns acche hain.
Q3: Which fund is more cost‑effective?
_DSP Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund se kam hai, isliye yeh fund more cost-effective hai.
Mahendra Maurya
6+ Years in Banking, Wealth Management & Financial ServicesFounder & Author of ShareTargetPrice.in. 6+ years in Banking, Wealth Management & Financial Services.
📊 Author & Founder at Share Target Price