HDFC Flexi Cap Fund vs ICICI Prudential 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, aapke paas do fund options hain - HDFC Flexi Cap Fund aur ICICI Prudential Liquid Fund. Dono ki categories alag hain, ek multi cap hai aur doosra liquid fund. chaliye, aapko yeh samajhne mein madad karte hain ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Multi Cap | Liquid |
| NAV (₹) | 1945.71 | 411.88 |
| AUM (₹ Cr) | 10.05 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.12 |
| Sharpe Ratio | 0.87 | 3.58 |
| 1 Year Return (%) | -0.81% | 6.15% |
| 3 Year Return (%) | 17.84% | 6.93% |
| 5 Year Return (%) | 17.6% | 6.11% |
| Since Launch (%) | 14.35% | 6.84% |
| 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) | Nikhil Kabra; Ritesh Lunawat (4.8 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%) | 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% | 241% |
🤖 AI Verdict – Which is Better?
haan, HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo ICICI Prudential Liquid Fund ke 6.93% se zyada hai. lekin, riskometer bhi very high hai, jo investors ke liye chunauti ho sakta hai. expense ratio bhi thoda zyada hai, 0.67%. phir bhi, long-term wealth creation ke liye HDFC Flexi Cap Fund 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 ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
sach ye hai, ICICI Prudential Liquid Fund ka return consistency aur stability zyada hai, lekin returns bhi kam hain. HDFC Flexi Cap Fund ka return zyada hai, lekin volatility bhi zyada hai. agar aap 10+ years ke liye SIP kar rahe hain, to HDFC Flexi Cap Fund behtar hai, lekin risk bhi sahan karna hoga.
⚠️ Risk & Cost Analysis
dekho, HDFC Flexi Cap Fund ka riskometer very high hai, volatility 12.97 hai, aur Sharpe ratio 0.87 hai. ICICI Prudential Liquid Fund ka riskometer low hai, volatility 0.12 hai, aur Sharpe ratio 3.58 hai. expense ratio mein ICICI Prudential Liquid Fund behtar hai, 0.12% ke saath. risk-adjusted returns ke liye ICICI Prudential Liquid Fund behtar hai.
📊 Portfolio Diversification
chaliye, asset allocation dekhte hain. HDFC Flexi Cap Fund ka 97% equity mein invest hai, aur top 3 holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hain. ICICI Prudential Liquid Fund ka 65% T-Bills mein invest hai, aur top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. HDFC Flexi Cap Fund mein sector risk zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
ICICI Prudential 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 ICICI Prudential Liquid Fund ke 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo lower hai, lekin returns bhi zyada hain. agar aap risk sahan kar sakte hain, to worth it hai.
Q3: Which fund is more cost‑effective?
ICICI Prudential Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund ke 0.67% se kam hai. isliye, ICICI Prudential 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