HDFC Flexi Cap Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
20.86%
Dekho, aap dono funds Multi Cap category mein hain. Fund A HDFC Flexi Cap Fund Direct Plan - Growth, aur Fund B JM Financial Multi Cap Fund Regular Plan - Growth. Isse aapko pata chalega ki dono funds mein kya aavshyaktaen hain, aur kaise aap unke beech ka comparison kar sakte hain.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | JM Financial |
| Category | Multi Cap | Multi Cap |
| NAV (₹) | 1945.71 | 19.01 |
| AUM (₹ Cr) | 10.05 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.67% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 12.97 | 14.35 |
| Sharpe Ratio | 0.87 | 1 |
| 1 Year Return (%) | -0.81% | 5.23% |
| 3 Year Return (%) | 17.84% | 20.86% |
| 5 Year Return (%) | 17.6% | 0% |
| Since Launch (%) | 14.35% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 3 February 2023 |
| 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 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 26% | 44% |
🤖 AI Verdict – Which is Better?
Haan, humein lagta hai ki Fund A HDFC Flexi Cap Fund Direct Plan - Growth acha hai long-term wealth creation ke liye. Iska 3Y return 17.84% hai, expense ratio 0.67% hai, lekin riskometer Very High hai. Fund B ka 5Y return 0 hai, aur expense ratio 1.68% hai. Chaliye, hum fund B se udaaharan ke liye nahi lenge.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
SIP ke liye Fund A achi chunav hai. Iska 3Y return 17.84% hai, aur expense ratio 0.67% hai. Fund B ka 1Y return 5.23% hai, lekin expense ratio 1.68% hai. Dekho, Fund A ka consistency aur return stability dono mein bhi bada hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se, Fund A riskometer Very High hai, lekin volatility 12.97 hai. Fund B ka riskometer bhi Very High hai, lekin volatility 14.35 hai. Sharpe ratio ke hisaab se, Fund A 0.87 hai, lekin Fund B 1 hai. Expense ratio ke hisaab se, Fund A 0.67% hai, lekin Fund B 1.68% hai. Sach ye hai, Fund A better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, dono funds mein Equity 97.00% hai, aur T-Bills 3.00% hai. Lekin, Fund A ka asset allocation kuchh bada hai. Top 3 holdings mein HDFC Bank Ltd. 6.5%, ICICI Bank Ltd. 5.8%, aur Reliance Industries Ltd. 4.9% hai. Fund B ka top 3 holdings bhi samaan hai. Dekho, Fund A ka asset allocation aur top holdings concentration dono mein bada hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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?
Sach ye hai, Fund A ka 5Y return 17.6% hai, aur Fund B ka 5Y return 0 hai.
Q2: Is the higher risk fund worth it?
Nahin, Fund A ka volatility 12.97 hai, lekin Fund B ka volatility 14.35 hai. Sharpe ratio ke hisaab se, Fund A 0.87 hai, lekin Fund B 1 hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.67% hai, aur Fund B ka expense ratio 1.68% hai. Dekho, Fund A adhik 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