HDFC Flexi Cap Fund vs Invesco Mutual Fund 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 fund compare kiye hain - HDFC Flexi Cap Fund, jo ek Multi Cap fund hai, aur Invesco Mutual Fund Liquid Fund, jo ek Liquid Fund hai. Chaliye, hum dekhein ki inme se kaun sa fund aapke liye better hai, aur aap kya seekh sakte hain is comparison se.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BInvesco Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Invesco Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 3819.94 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.76 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.13 |
| Sharpe Ratio | 0.87 | 3.31 |
| 1 Year Return (%) | -0.81% | 6.17% |
| 3 Year Return (%) | 17.84% | 6.93% |
| 5 Year Return (%) | 17.6% | 6.11% |
| Since Launch (%) | 14.35% | 6.82% |
| 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) | Amit Ganatra (3.5 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% | 269% |
🤖 AI Verdict – Which is Better?
Haan, agar hum 3Y return, expense ratio, aur risk ko dekhein, to HDFC Flexi Cap Fund long-term wealth creation ke liye better lagta hai, lekin risk bhi very high hai. Sach ye hai ki Invesco Mutual Fund Liquid Fund ka risk low hai, lekin returns bhi relatively low hain.
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 Invesco Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.76 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Agar aap 10+ years ke liye monthly SIP karne ka soch rahe hain, to HDFC Flexi Cap Fund better option ho sakta hai, kyunki iska 3Y return 17.84% hai, jo ki Invesco Mutual Fund Liquid Fund se zyada hai. Chaliye, hum dekhein ki consistency aur return stability kaise hoti hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ko dekha jaye to, Invesco Mutual Fund Liquid Fund ka risk low hai, aur Sharpe ratio 3.31 hai, jo ki HDFC Flexi Cap Fund se zyada hai. Haan, expense ratio bhi Invesco Mutual Fund Liquid Fund ka kam hai, sirf 0.12%.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko dekha jaye to, HDFC Flexi Cap Fund ka asset allocation zyada diversified hai, kyunki isme 97% equity hai. Lekin, top holdings concentration bhi zyada hai, kyunki top 3 holdings mein 17.2% assets invested hain. Invesco Mutual Fund Liquid Fund ka asset allocation bhi diversified hai, lekin sector risk kam hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Invesco Mutual Fund 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 ki Invesco Mutual Fund Liquid Fund se zyada hai, isliye ye fund long run me better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Flexi Cap Fund ka risk very high hai, lekin Sharpe ratio 0.87 hai, jo ki returns ke hisab se acceptable hai. Lekin, volatility bhi zyada hai, isliye investors ko apne risk appetite ke hisab se decision lena chahiye.
Q3: Which fund is more cost‑effective?
Invesco Mutual Fund Liquid Fund ka expense ratio sirf 0.12% hai, jo ki HDFC Flexi Cap Fund se kam hai, isliye ye 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