HDFC Flexi Cap Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
11.02%
Dekho, Fund A aur Fund B mein kuch antar hai, jaise ki category, returns aur riskometer. Fund A HDFC Flexi Cap Fund hai, jo multi cap category mein aata hai, jabki Fund B HDFC Top 100 Fund hai, jo large cap category mein aata hai. Is article mein hum in dono funds ko compare karenge aur aapko bataayenge ki kaunsa fund aapke liye better hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Multi Cap | Large Cap |
| NAV (₹) | 1945.71 | 14.66 |
| AUM (₹ Cr) | 10.05 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.31% |
| Riskometer | Very High | Very High |
| Volatility | 12.97 | 13.05 |
| Sharpe Ratio | 0.87 | 0.35 |
| 1 Year Return (%) | -0.81% | -2.86% |
| 3 Year Return (%) | 17.84% | 11.02% |
| 5 Year Return (%) | 17.6% | 10.33% |
| Since Launch (%) | 14.35% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Rahul Baijal; Roshi Jain (4.1 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 50 |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 26% | 33% |
🤖 AI Verdict – Which is Better?
Haan, long-term wealth creation ke liye humein 3Y return, expense ratio, aur risk ko dekhna hota hai. Fund A ka 3Y return 17.84% hai, jo Fund B ke 11.02% se zyada hai. Expense ratio mein bhi Fund A ka 0.67% Fund B ke 0.31% se zyada hai, lekin riskometer dono funds mein very high hai. Isliye, hum kehte hain ki Fund A 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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Chaliye, SIP suitability ke liye hum consistency aur return stability dekhte hain. Dono funds mein consistency hai, lekin Fund A ka 3Y return zyada stable hai. Isliye, hum kehte hain ki Fund A better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Sach ye hai ki dono funds mein riskometer very high hai, lekin volatility mein thoda antar hai. Fund A ka volatility 12.97 hai, jabki Fund B ka 13.05 hai. Sharpe ratio mein bhi Fund A ka 0.87 Fund B ke 0.35 se zyada hai. Expense ratio mein Fund B ka 0.31% Fund A ke 0.67% se kam hai. Isliye, hum kehte hain ki Fund A better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Dekho, asset allocation mein Fund A ka equity allocation 97% hai, jabki Fund B ka 96% hai. Top holdings mein bhi dono funds mein HDFC Bank, ICICI Bank, aur Reliance Industries shamil hain. Lekin, Fund A ka top holdings concentration thoda kam hai. Isliye, hum kehte hain ki Fund A thoda zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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?
Fund A ka 5Y return 17.6% hai, jo Fund B ke 10.33% se zyada hai. Isliye, Fund A better returns deta hai long run mein.
Q2: Is the higher risk fund worth it?
Haan, higher risk fund worth hai kyunki Fund A ka Sharpe ratio 0.87 hai, jo Fund B ke 0.35 se zyada hai. Isliye, Fund A better risk-adjusted returns deta hai.
Q3: Which fund is more cost‑effective?
Fund B ka expense ratio 0.31% hai, jo Fund A ke 0.67% se kam hai. Isliye, 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