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 categories ke funds compare kiye hain, Multi Cap aur Liquid Fund. Fund A, HDFC Flexi Cap Fund, ek Multi Cap fund hai, jabki Fund B, JM Financial Liquid Fund, ek Liquid Fund hai. aage chaliye, hum in dono funds ke returns, risk, aur expense ratio ko compare karenge, taaki aapko pata chal sake ki kaunsa fund aapke liye best hai.
| 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, long-term wealth creation ke liye, humara verdict hai ki Fund A, HDFC Flexi Cap Fund, better hai, kyunki uska 3-year return 17.84% hai, jo Fund B se zyada hai. lekin, risk bhi zyada hai, Very High riskometer ke saath. expense ratio bhi thoda zyada hai, 0.67%, lekin overall, yeh fund long-term ke liye better 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, ki dono funds mein SIP kiya ja sakta hai, lekin consistency aur return stability ke maamle mein, Fund B, JM Financial Liquid Fund, thoda better hai, kyunki uska return more stable hai, aur risk bhi kam hai. isliye, agar aap 10+ years ke liye SIP karna chahte hain, to Fund B better option ho sakta hai.
⚠️ Risk & Cost Analysis
dekho, riskometer ke maamle mein, Fund A very high risk hai, jabki Fund B low risk hai. volatility bhi Fund A mein zyada hai, 12.97, jabki Fund B mein 0.12 hai. Sharpe ratio ke maamle mein, Fund B ka ratio 3.92 hai, jo Fund A se zyada hai. expense ratio ke maamle mein, Fund B ka ratio 0.12% hai, jo Fund A se kam hai. isliye, risk-adjusted returns ke maamle mein, Fund B better hai.
📊 Portfolio Diversification
chaliye, asset allocation ke maamle mein, Fund A mein equity allocation 97% hai, jabki Fund B mein T-Bills, CD, CP, aur Cash mein allocation hai. top holdings ke maamle mein, Fund A mein HDFC Bank, ICICI Bank, aur Reliance Industries hai, jabki Fund B mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. dono funds mein sector risk hai, lekin Fund A mein zyada 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?
haan, long run mein, Fund A ka 5-year return 17.6% hai, jo Fund B se zyada hai, aur 3-year return bhi 17.84% hai, jo Fund B se zyada hai.
Q2: Is the higher risk fund worth it?
sach ye hai, ki higher risk fund, Fund A, ka Sharpe ratio 0.87 hai, jo Fund B se kam hai, aur volatility bhi zyada hai, isliye, higher risk worth nahi hai, agar aap risk averse hain.
Q3: Which fund is more cost‑effective?
dekho, expense ratio ke maamle mein, Fund B ka ratio 0.12% hai, jo Fund A se kam hai, isliye, Fund B 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