HDFC Flexi Cap Fund vs HDFC Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.83%
dekho, aapke paas do fund options hain - HDFC Flexi Cap Fund aur HDFC Liquid Fund. Dono ki categories alag hain, ek multi cap hai aur doosra liquid fund hai. Chaliye, aapko yeh samjhne mein madad karte hain ki kaunsa fund aapke liye better hai, aur kyun.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BHDFC Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Multi Cap | Liquid |
| NAV (₹) | 1945.71 | 5466.12 |
| AUM (₹ Cr) | 10.05 Lac Cr | 7.29 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.2% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.11 |
| Sharpe Ratio | 0.87 | 3 |
| 1 Year Return (%) | -0.81% | 6.08% |
| 3 Year Return (%) | 17.84% | 6.83% |
| 5 Year Return (%) | 17.6% | 6.01% |
| Since Launch (%) | 14.35% | 34.46% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 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%) | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | CP: 47.67% | CD: 31.92% | T-Bills: 19.85% | Debenture: 2.05% | Bonds/NCD: 0.13% | Debt: 0.06% | SDL: 0.04% |
| Portfolio Turnover | 26% | 203% |
🤖 AI Verdict – Which is Better?
Haan, dono funds ke returns dekhein, to 3Y return ke hisab se HDFC Flexi Cap Fund better hai, lekin riskometer bhi dekho, wo very high hai. Expense ratio bhi thoda zyada hai, 0.67% hai. Lekin, long-term wealth creation ke liye HDFC Flexi Cap Fund better 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 HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
📈 SIP Suitability
dekho, agar aap monthly SIP karne ki soch rahe hain, to HDFC Flexi Cap Fund better hai. Iska 3Y return 17.84% hai, jo ki HDFC Liquid Fund se zyada hai. Consistency aur return stability bhi thodi behtar hai.
⚠️ Risk & Cost Analysis
sach ye hai, riskometer aur volatility dekhein, to HDFC Liquid Fund zyada safe hai. Sharpe ratio bhi 3 hai, jo ki HDFC Flexi Cap Fund se zyada hai. Expense ratio bhi kam hai, 0.2% hai. To, risk-adjusted returns ke hisab se HDFC Liquid Fund better hai.
📊 Portfolio Diversification
chaliye, asset allocation dekhein, to HDFC Flexi Cap Fund ka 97% equity mein invest hai, jo ki thoda risky hai. Top holdings bhi concentrated hain, HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. HDFC Liquid Fund ka asset allocation thoda diversified hai, CP, CD, T-Bills, aur debenture mein invest hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
HDFC Liquid Fund
₹862254.72
@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 HDFC Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio dekhein, to HDFC Flexi Cap Fund ka risk zyada hai, lekin returns bhi zyada hai. To, agar aap high risk le sakte hain, to HDFC Flexi Cap Fund better hai.
Q3: Which fund is more cost‑effective?
Expense ratio dekhein, to HDFC Liquid Fund ka expense ratio 0.2% hai, jo ki HDFC Flexi Cap Fund se kam hai. Exit load N/A 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