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, humne do alag categories ke funds ko compare kiya hai - Multi Cap aur Liquid Fund. Fund A, HDFC Flexi Cap Fund, multi cap category mein aata hai, jabki Fund B, DSP Mutual Fund Liquid Fund, liquid fund category mein aata hai. isme humein pata chalega ki kaunsa fund long-term wealth creation ke liye behtar hai.
| 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, long-term wealth creation ke liye, humne dekha ki Fund A ka 3Y return 17.84% hai, jo Fund B se zyada hai. lekin, risk bhi zyada hai, Very High riskometer ke saath. expense ratio bhi Fund A mein 0.67% hai, jo Fund B se zyada hai. isliye, hum kehte hain ki Fund A long-term ke liye behtar hai, lekin risk bhi zyada hai.
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
chaliye, dekhte hain ki kaunsa fund monthly SIP ke liye behtar hai. Fund A ka return consistency aur stability Fund B se zyada hai, lekin risk bhi zyada hai. isliye, hum kehte hain ki Fund A SIP ke liye behtar hai, agar aap long-term ke liye invest kar rahe hain.
⚠️ Risk & Cost Analysis
sach ye hai ki Fund A ka riskometer Very High hai, aur volatility 12.97 hai. lekin, Sharpe ratio 0.87 hai, jo Fund B se kam hai. expense ratio bhi Fund A mein 0.67% hai, jo Fund B se zyada hai. isliye, hum kehte hain ki Fund B risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
dekho, Fund A ka asset allocation 97% equity mein hai, aur top 3 holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hain. Fund B ka asset allocation 65% T-Bills mein hai, aur top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. isliye, hum kehte hain ki Fund B more diversified 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?
haan, Fund A ka 5Y return 17.6% hai, jo Fund B se zyada hai.
Q2: Is the higher risk fund worth it?
sach ye hai ki Fund A ka volatility 12.97 hai, lekin Sharpe ratio 0.87 hai, jo Fund B se kam hai. isliye, hum kehte hain ki higher risk fund worth it nahi hai.
Q3: Which fund is more cost‑effective?
dekho, Fund B ka expense ratio 0.12% hai, jo Fund A se kam hai. isliye, hum kehte hain ki Fund B 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