HDFC Flexi Cap Fund vs Groww 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
6.93%
dekho, humne do alag-alag category ke funds ki comparison ki hai, ek Multi Cap Fund - HDFC Flexi Cap Fund, aur dusra Liquid Fund - Groww Mutual Fund Liquid Fund. chaliye, aage hum ismein details mein jaate hain aur aapko bataate hain ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Groww Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 5622.79 |
| AUM (₹ Cr) | 10.05 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.11 |
| Sharpe Ratio | 0.87 | 3.91 |
| 1 Year Return (%) | -0.81% | 6.17% |
| 3 Year Return (%) | 17.84% | 6.93% |
| 5 Year Return (%) | 17.6% | 6.11% |
| Since Launch (%) | 14.35% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
sach ye hai ki HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo Groww Mutual Fund Liquid Fund se zyada hai. lekin, risk bhi zyada hai, very high riskometer ke saath. haan, expense ratio thoda zyada hai, 0.67%, lekin long-term mein yeh behtar option ho sakta 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
chaliye, SIP ke liye dekhein, to HDFC Flexi Cap Fund ka consistency aur return stability thoda kam hai, lekin long-term mein yeh behtar ho sakta hai. Groww Mutual Fund Liquid Fund ka consistency accha hai, lekin returns thode kam hain.
⚠️ Risk & Cost Analysis
dekho, riskometer aur volatility ko dekha jaye, to Groww Mutual Fund Liquid Fund ka risk bahut kam hai, low riskometer ke saath. Sharpe ratio bhi accha hai, 3.91. expense ratio bhi kam hai, 0.12%. haan, yeh risk-adjusted returns ke liye behtar option hai.
📊 Portfolio Diversification
sach ye hai ki HDFC Flexi Cap Fund ka asset allocation diversified hai, 97% equity aur 3% T-Bills. top holdings bhi thode concentrated hain, HDFC Bank Ltd. aur ICICI Bank Ltd. Groww Mutual Fund Liquid Fund ka asset allocation bhi diversified hai, T-Bills, CD, CP, aur Cash.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% 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 Groww Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Flexi Cap Fund ka higher risk worth hai, kyunki Sharpe ratio 0.87 hai, jo thoda kam hai, lekin long-term returns acche hain.
Q3: Which fund is more cost‑effective?
Groww Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund se kam hai, 0.67%.
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