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, humne do mutual funds compare kiye - HDFC Flexi Cap Fund aur HDFC Top 100 Fund. Ek Multi Cap category ka hai, doosra Large Cap category ka. Aage chaliye, hum dekhenge ki kaunsa fund long-term wealth creation ke liye behtar hai, aur kyon.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Multi Cap | Large Cap |
| NAV (₹) | 1945.71 | 11.21 |
| AUM (₹ Cr) | 10.05 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.67% | 1.52% |
| Riskometer | Very High | Very High |
| Volatility | 12.97 | 13.06 |
| 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% | 4.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 25 June 2014 |
| 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, HDFC Flexi Cap Fund 3Y return mein 17.84% ka return diya hai, jo HDFC Top 100 Fund se zyada hai. Expense ratio bhi kam hai, 0.67% ki jagah 1.52%. Risk bhi dono funds mein very high hai, lekin HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo HDFC Top 100 Fund se zyada hai. Isliye, hum kehte hain 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 Top 100 Fund?
- Expense ratio: 1.52%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Sach ye hai, dono funds mein SIP karne ke fayde hain, lekin HDFC Flexi Cap Fund ka 3Y return aur 5Y return zyada stable hai. Isliye, hum kehte hain ki HDFC Flexi Cap Fund 10+ years ke liye SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Riskometer dono funds mein very high hai, lekin volatility aur Sharpe ratio ko dekha jaaye to HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo HDFC Top 100 Fund se zyada hai. Expense ratio bhi HDFC Flexi Cap Fund mein kam hai, 0.67% ki jagah 1.52%. Isliye, hum kehte hain ki HDFC Flexi Cap Fund risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
Asset allocation ko dekha jaaye to HDFC Flexi Cap Fund mein Equity 97% hai, jabki HDFC Top 100 Fund mein Equity 96% hai. Top holdings ko dekha jaaye to HDFC Flexi Cap Fund mein HDFC Bank Ltd. 6.5% hai, jabki HDFC Top 100 Fund mein HDFC Bank Ltd. 8.5% hai. Isliye, hum kehte hain ki HDFC Flexi Cap Fund 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?
HDFC Flexi Cap Fund ka 5Y return 17.6% hai, jo HDFC Top 100 Fund se zyada hai. Isliye, hum kehte hain ki HDFC Flexi Cap Fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
Sharpe ratio ko dekha jaaye to HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo HDFC Top 100 Fund se zyada hai. Isliye, hum kehte hain ki higher risk worth it nahi hai, kyunki HDFC Flexi Cap Fund better risk-adjusted returns deta hai.
Q3: Which fund is more cost‑effective?
Expense ratio ko dekha jaaye to HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo HDFC Top 100 Fund se kam hai. Isliye, hum kehte hain ki HDFC Flexi Cap Fund zyada 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