HDFC Flexi Cap Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.97%
dekho, humne do alag-alag category ke funds ko compare kiya hai - Multi Cap category ka HDFC Flexi Cap Fund aur Liquid Fund category ka JM Financial Liquid Fund. chaliye, hum yeh jaanenge ki inme se kaunsa fund aapke long-term wealth creation ke liye behtar hai, aur kyon.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | JM Financial |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 363.19 |
| AUM (₹ Cr) | 10.05 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.12 |
| Sharpe Ratio | 0.87 | 3.92 |
| 1 Year Return (%) | -0.81% | 6.21% |
| 3 Year Return (%) | 17.84% | 6.97% |
| 5 Year Return (%) | 17.6% | 6.16% |
| Since Launch (%) | 14.35% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 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 behtar lagta hai, lekin higher risk ke saath. iska 3Y return 17.84% hai, jo JM Financial Liquid Fund ke 6.97% se zyada hai, lekin risk bhi zyada 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
sach ye hai, HDFC Flexi Cap Fund ko 10+ years ke liye monthly SIP ke liye behtar mana ja sakta hai, kyunki iska 5Y return 17.6% hai, jo stable aur consistent hai, lekin volatility bhi zyada hai. JM Financial Liquid Fund ka return stable hai, lekin kam hai.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se, HDFC Flexi Cap Fund ka risk very high hai, jabki JM Financial Liquid Fund ka risk low hai. volatility bhi HDFC Flexi Cap Fund mein zyada hai, lekin Sharpe ratio ke hisab se, JM Financial Liquid Fund behtar risk-adjusted returns deta hai, kyunki uska Sharpe ratio 3.92 hai, jo HDFC Flexi Cap Fund ke 0.87 se zyada hai.
📊 Portfolio Diversification
chaliye, asset allocation ke hisab se, HDFC Flexi Cap Fund ka 97% equity mein invested hai, jabki JM Financial Liquid Fund ka 65% T-Bills mein hai. top holdings ke hisab se, HDFC Flexi Cap Fund mein HDFC Bank, ICICI Bank, aur Reliance Industries hai, jo diversified nahi hai, lekin JM Financial Liquid Fund mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai, jo thoda zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% 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 JM Financial Liquid Fund ke 6.16% se zyada hai, isliye HDFC Flexi Cap Fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
haan, agar aap higher risk afford kar sakte hain, to HDFC Flexi Cap Fund behtar returns deta hai, lekin volatility bhi zyada hai, isliye aapko apne risk appetite ke hisab se decide karna hoga, kyunki Sharpe ratio ke hisab se, JM Financial Liquid Fund behtar risk-adjusted returns deta hai.
Q3: Which fund is more cost‑effective?
exit load ke baare mein koi information nahi hai, lekin expense ratio ke hisab se, JM Financial Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund ke 0.67% se kam hai, isliye JM Financial Liquid 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