HDFC Flexi Cap Fund vs Kotak Mahindra 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, aapke paas do fund options hain - HDFC Flexi Cap Fund aur Kotak Mahindra Liquid Fund. ye dono alag categories mein aate hain, ek Multi Cap hai aur doosra Liquid Fund. is article mein hum in dono funds ke bare mein compare karenge aur aapko bataayenge ki kaunsa fund long-term wealth creation ke liye better hai, chaliye shuru karte hain.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Kotak Mahindra |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 5622.79 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.11 |
| Sharpe Ratio | 0.87 | 3.91 |
| 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% | 50.63% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
haan, 3Y return ke basis par HDFC Flexi Cap Fund better hai kyunki uska return 17.84% hai, lekin risk bhi very high hai. expense ratio bhi thoda zyada hai, 0.67%. lekin overall long-term wealth creation ke liye HDFC Flexi Cap Fund better hai, sach ye 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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
dekho, agar aap 10+ years ke liye monthly SIP karne ki soch rahe hain, to HDFC Flexi Cap Fund better hai kyunki uska 3Y return 17.84% hai, jo ki Kotak Mahindra Liquid Fund se zyada hai. consistency aur return stability bhi thodi better hai.
⚠️ Risk & Cost Analysis
chaliye, riskometer, volatility, Sharpe ratio, aur expense ratio compare karte hain. HDFC Flexi Cap Fund ka risk very high hai, volatility 12.97 hai, aur Sharpe ratio 0.87 hai. Kotak Mahindra Liquid Fund ka risk low hai, volatility 0.11 hai, aur Sharpe ratio 3.91 hai. expense ratio mein Kotak Mahindra Liquid Fund better hai, 0.12% ke against 0.67%.
📊 Portfolio Diversification
dekho, asset allocation aur top holdings concentration compare karte hain. HDFC Flexi Cap Fund ka asset allocation equity mein 97% hai, aur top 3 holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hain. Kotak Mahindra Liquid Fund ka asset allocation T-Bills, CD, CP, aur Cash mein divided hai, aur top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. diversification ke maamle mein Kotak Mahindra Liquid Fund thoda better hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Kotak Mahindra 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, aur 3Y return 17.84% hai, jo ki Kotak Mahindra Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Sharpe ratio ke basis par HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo ki Kotak Mahindra Liquid Fund ke 3.91 se kam hai, lekin volatility bhi zyada hai, so it depends on investor's risk appetite.
Q3: Which fund is more cost‑effective?
Kotak Mahindra Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund ke 0.67% se kam hai, isliye Kotak Mahindra Liquid 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