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 funds compare kiye hain - HDFC Flexi Cap Fund aur Groww Mutual Fund Liquid Fund. yeh dono funds alag categories mein aate hain - Multi Cap aur Liquid Fund. is article mein hum aapko bataayenge ki inmein se kaunsa fund long-term wealth creation ke liye better hai aur kaunsa fund aapke portfolio ke liye suitable 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?
chaliye, hum dekhte hain ki kaunsa fund zyada better hai. 3Y return ke hisaab se, HDFC Flexi Cap Fund ka return 17.84% hai, jo Groww Mutual Fund Liquid Fund ke 6.93% se zyada hai. lekin, HDFC Flexi Cap Fund ka riskometer Very High hai, jabki Groww Mutual Fund Liquid Fund ka riskometer Low hai. haan, expense ratio bhi kam hai Groww Mutual Fund Liquid Fund mein. isliye, hum kehte hain ki HDFC Flexi Cap Fund long-term wealth creation ke liye better hai, agar aap high risk afford kar sakte 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
sach ye hai ki HDFC Flexi Cap Fund ka return zyada hai, lekin uska risk bhi zyada hai. agar aap monthly SIP ke liye fund dhundh rahe hain, to HDFC Flexi Cap Fund better ho sakta hai. lekin, aapko patience rakhni hogi aur long-term ke liye investment karna hoga.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisaab se, Groww Mutual Fund Liquid Fund ka risk Low hai, jabki HDFC Flexi Cap Fund ka risk Very High hai. volatility bhi kam hai Groww Mutual Fund Liquid Fund mein. Sharpe ratio ke hisaab se, Groww Mutual Fund Liquid Fund ka risk-adjusted return better hai. expense ratio bhi kam hai Groww Mutual Fund Liquid Fund mein.
📊 Portfolio Diversification
chaliye, hum dekhte hain ki kaunsa fund zyada diversified hai. HDFC Flexi Cap Fund ka asset allocation 97% equity mein hai, jabki Groww Mutual Fund Liquid Fund ka asset allocation 65% T-Bills mein hai. top holdings ke hisaab se, HDFC Flexi Cap Fund ka concentration zyada hai, kyunki uske top 3 holdings 17.2% assets ko cover karte hain.
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 ke 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
volatility ke hisaab se, HDFC Flexi Cap Fund ka risk zyada hai, lekin uska Sharpe ratio 0.87 hai, jo Groww Mutual Fund Liquid Fund ke 3.91 se kam hai.
Q3: Which fund is more cost‑effective?
expense ratio ke hisaab se, Groww Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund ke 0.67% se kam 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