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-alag categories mein aate hain, jahan HDFC Flexi Cap Fund multi cap category mein hai aur Kotak Mahindra Liquid Fund liquid fund category mein. Chaliye, hum in dono funds ke baare mein detail mein jaante hain aur dekhte hain ki kaunsa fund aapke liye better hai.
| 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, long-term wealth creation ke liye, humein 3Y return, expense ratio, aur risk ko dekhna hoga. HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo Kotak Mahindra Liquid Fund ke 6.93% se zyada hai. Lekin, HDFC Flexi Cap Fund ka riskometer very high hai, jo investors ke liye chinta ka vishay ho sakta hai. Phir bhi, HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo reasonable 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
SIP ke liye, humein consistency aur return stability ko dekhna hoga. Kotak Mahindra Liquid Fund ka 1Y return 6.17% hai, jo stable hai, lekin HDFC Flexi Cap Fund ka 1Y return -0.81% hai, jo thoda chinta ka vishay hai. Lekin, agar aap 10+ years ke liye SIP karna chahte hain, to HDFC Flexi Cap Fund ka 3Y return 17.84% aapke liye better ho sakta hai.
⚠️ Risk & Cost Analysis
Risk aur cost analysis ke liye, humein riskometer, volatility, Sharpe ratio, aur expense ratio ko dekhna hoga. HDFC Flexi Cap Fund ka riskometer very high hai, aur volatility 12.97 hai, jo kotak Mahindra Liquid Fund se zyada hai. Lekin, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo reasonable hai. Kotak Mahindra Liquid Fund ka expense ratio 0.12% hai, jo very low hai.
📊 Portfolio Diversification
Portfolio diversification ke liye, humein asset allocation aur top holdings concentration ko dekhna hoga. HDFC Flexi Cap Fund ka asset allocation 97% equity mein hai, jo high-risk hai. Top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. Kotak Mahindra Liquid Fund ka asset allocation 65% T-Bills mein hai, jo low-risk hai. Top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain.
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, jo Kotak Mahindra Liquid Fund ke 6.11% se zyada hai. Isliye, HDFC Flexi Cap Fund long-term returns ke liye better hai.
Q2: Is the higher risk fund worth it?
HDFC Flexi Cap Fund ka riskometer very high hai, lekin Sharpe ratio 0.87 hai, jo reasonable hai. Agar aap high-risk tolerate kar sakte hain, to HDFC Flexi Cap Fund worth it ho sakta hai.
Q3: Which fund is more cost‑effective?
Kotak Mahindra Liquid Fund ka expense ratio 0.12% hai, jo 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