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 compare kiye hain, Fund A jo ki Multi Cap category mein aata hai aur Fund B jo ki Liquid Fund category mein aata hai, chaliye dekhte hain ki inmein se kaunsa fund aapke liye better hai, long-term wealth creation ke liye, haan ismein hum risk, returns aur expense ratio ko bhi consider karenge.
| 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, long-term wealth creation ke liye humne dekha ki Fund A ka 3Y return 17.84% hai, jo ki Fund B se zyada hai, lekin risk bhi zyada hai, Very High riskometer ke saath, aur expense ratio 0.67% hai, jo ki thoda zyada hai, lekin overall hum kehte hain ki Fund A better hai, agar aap long-term ke liye investment kar rahe hain.
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
sach ye hai ki dono funds mein SIP suitability alag-alag hai, Fund A mein 1Y return -0.81% hai, jo ki thoda chhota hai, lekin 3Y return 17.84% hai, jo ki accha hai, aur Fund B mein 1Y return 6.17% hai, jo ki stable hai, chaliye dekhte hain ki aapke liye kaunsa fund better hai, agar aap 10+ years ke liye SIP kar rahe hain.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se Fund A Very High risk hai, aur volatility 12.97 hai, jo ki zyada hai, lekin Sharpe ratio 0.87 hai, jo ki thoda kam hai, aur expense ratio 0.67% hai, jo ki thoda zyada hai, Fund B mein riskometer Low hai, aur volatility 0.12 hai, jo ki kam hai, aur Sharpe ratio 3.58 hai, jo ki zyada hai, isliye hum kehte hain ki Fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
chaliye dekhte hain ki dono funds ka asset allocation kaisa hai, Fund A mein Equity 97.00% hai, aur T-Bills 3.00% hai, jo ki thoda concentrated hai, aur top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain, jo ki zyada hai, Fund B mein T-Bills 65.00% hai, aur CD 20.00% hai, jo ki diversified hai, isliye hum kehte hain ki Fund B more diversified 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?
haan, Fund A ka 5Y return 17.6% hai, aur 3Y return 17.84% hai, jo ki Fund B se zyada hai, isliye hum kehte hain ki Fund A better returns deta hai.
Q2: Is the higher risk fund worth it?
dekho, Fund A ka riskometer Very High hai, aur volatility 12.97 hai, jo ki zyada hai, lekin Sharpe ratio 0.87 hai, jo ki thoda kam hai, isliye hum kehte hain ki higher risk fund worth it nahi hai, agar aap risk se darte hain.
Q3: Which fund is more cost‑effective?
sach ye hai ki Fund B ka expense ratio 0.12% hai, jo ki Fund A se kam hai, jo ki 0.67% hai, isliye hum kehte hain ki 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