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, humne do funds ki comparison ki hai - HDFC Flexi Cap Fund aur HDFC Liquid Fund. Ek multi cap category ka hai, aur doosra liquid category ka. chaliye, aage badhte hain aur dekhte hain ki kaunsa fund aapke liye better hai.
| 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, 3Y return ke hisab se HDFC Flexi Cap Fund behtar hai, kyunki uska return 17.84% hai. lekin, risk bhi very high hai. expense ratio bhi thoda zyada hai, 0.67%. HDFC Liquid Fund ka risk low hai, lekin return bhi kam hai, 6.83%. sach ye hai ki HDFC Flexi Cap Fund long-term wealth creation ke liye behtar 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, HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo ki HDFC Liquid Fund se zyada hai. isliye, yeh fund 10+ years ke SIP ke liye behtar hai. consistency aur return stability bhi thodi behtar hai.
⚠️ Risk & Cost Analysis
chaliye, riskometer dekhte hain. HDFC Flexi Cap Fund ka risk very high hai, jabki HDFC Liquid Fund ka risk low hai. volatility bhi HDFC Flexi Cap Fund mein zyada hai, 12.97. Sharpe ratio HDFC Liquid Fund ka behtar hai, 3. expense ratio bhi HDFC Liquid Fund ka kam hai, 0.2%. isliye, HDFC Liquid Fund risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
dekho, asset allocation dekhte hain. HDFC Flexi Cap Fund ka 97% equity mein invest hai, jabki HDFC Liquid Fund ka 47.67% CP mein hai. top holdings concentration bhi HDFC Flexi Cap Fund mein zyada hai, HDFC Bank Ltd. 6.5% aur ICICI Bank Ltd. 5.8%. isliye, HDFC Liquid Fund thoda zyada diversified 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?
Haan, 5Y return ke hisab se HDFC Flexi Cap Fund ka return 17.6% hai, jo ki HDFC Liquid Fund se zyada hai, 6.01%.
Q2: Is the higher risk fund worth it?
sach ye hai ki HDFC Flexi Cap Fund ka risk very high hai, lekin Sharpe ratio 0.87 hai. HDFC Liquid Fund ka Sharpe ratio 3 hai, jo ki behtar hai. isliye, higher risk fund worth it nahi hai.
Q3: Which fund is more cost‑effective?
dekho, expense ratio dekhte hain. HDFC Liquid Fund ka expense ratio 0.2% hai, jo ki HDFC Flexi Cap Fund se kam hai, 0.67%. isliye, HDFC Liquid 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