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, humne do alag-alag category ke funds ko compare kiya hai - HDFC Flexi Cap Fund, jo ek Multi Cap fund hai, aur ICICI Prudential Liquid Fund, jo ek Liquid fund hai. Chaliye, in dono funds ke returns, risk, aur expenses ko compare karte hain, taaki aapko pata chale ki kaunsa fund aapke long-term wealth creation ke liye better 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, risk bhi zyada hai, Very High riskometer ke saath. Expense ratio bhi thoda zyada hai, 0.67% ke saath. Isliye, hum kehte hain ki HDFC Flexi Cap Fund long-term wealth creation ke liye better hai, lekin risk tolerance honi chahiye.
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
Chaliye, SIP ke liye dekhte hain. HDFC Flexi Cap Fund ka consistency aur return stability thoda kam hai, lekin long-term mein returns acche hain. ICICI Prudential Liquid Fund ka consistency aur return stability zyada hai, lekin returns kam hain. Isliye, hum kehte hain ki HDFC Flexi Cap Fund SIP ke liye better hai, agar aap 10+ years ke liye invest kar rahe hain.
⚠️ Risk & Cost Analysis
Sach ye hai, risk aur cost analysis karte hain. 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 bhi ICICI Prudential Liquid Fund ka kam hai, 0.12% ke saath. Isliye, hum kehte hain ki ICICI Prudential Liquid Fund risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
Dekho, portfolio diversification ke liye. HDFC Flexi Cap Fund ka asset allocation 97% equity mein hai, aur top 3 holdings concentration zyada hai. ICICI Prudential Liquid Fund ka asset allocation diversified hai, T-Bills, CD, CP, aur Cash mein. Isliye, hum kehte hain ki ICICI Prudential Liquid Fund portfolio diversification ke liye better 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 higher risk worth it hai, kyunki returns bhi zyada hain, lekin volatility bhi zyada hai, 12.97 ke saath, aur Sharpe ratio 0.87 hai.
Q3: Which fund is more cost‑effective?
ICICI Prudential Liquid Fund ka expense ratio kam hai, 0.12% ke saath, aur 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