HDFC Flexi Cap Fund vs LIC Mutual Fund 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, humne do funds ki comparison ki hai - HDFC Flexi Cap Fund aur LIC Mutual Fund Liquid Fund. yeh dono alag categories mein aate hain, ek Multi Cap hai aur dusra Liquid Fund. aage chaliye, hum dekhte hain ki kaunsa fund long-term wealth creation ke liye better hai, aur kaunsa fund aapke investment goals ke liye suitable hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | LIC Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 5622.79 |
| AUM (₹ Cr) | 10.05 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.12 |
| Sharpe Ratio | 0.87 | 3.58 |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
haan, HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo ki LIC Mutual Fund Liquid Fund ke 6.93% se kaafi zyada hai. lekin, risk bhi kaafi high hai, Very High riskometer ke saath. expense ratio bhi thoda zyada hai, 0.67%. lekin, long-term wealth creation ke liye yeh fund better ho sakta 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
chaliye, dekhte hain ki kaunsa fund monthly SIP ke liye better hai. HDFC Flexi Cap Fund ka return thoda volatile hai, lekin 10+ years ke liye yeh fund better ho sakta hai. consistency aur return stability ke maamle mein, LIC Mutual Fund Liquid Fund thoda better hai, lekin returns bhi kaafi kam hain.
⚠️ Risk & Cost Analysis
sach ye hai ki HDFC Flexi Cap Fund ka riskometer Very High hai, aur volatility bhi 12.97 hai. lekin, Sharpe ratio 0.87 hai, jo ki LIC Mutual Fund Liquid Fund ke 3.58 se kaafi kam hai. expense ratio bhi thoda zyada hai, 0.67%. lekin, risk-adjusted returns ke maamle mein, LIC Mutual Fund Liquid Fund better ho sakta hai.
📊 Portfolio Diversification
dekho, HDFC Flexi Cap Fund ka asset allocation 97% equity hai, jo ki thoda risky hai. top holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hain. lekin, LIC Mutual Fund Liquid Fund ka asset allocation thoda diversified hai, T-Bills, CD, CP, aur cash mein invest kiya hai. sector risk bhi kaafi kam hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
LIC Mutual Fund 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 ki LIC Mutual Fund Liquid Fund ke 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Flexi Cap Fund ka higher risk worth ho sakta hai, kyunki returns bhi zyada hain, lekin volatility bhi kaafi zyada hai, 12.97.
Q3: Which fund is more cost‑effective?
LIC Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund ke 0.67% se kaafi kam 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