HDFC Flexi Cap Fund vs LIC Mutual Fund 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%
Hum aaj Fund A aur Fund B ki tulna karne wale hain - HDFC Flexi Cap Fund aur LIC Mutual Fund Multi Cap Fund. Ye donon funds Multi Cap category mein aate hain. Aapko yahaan fund ki comparison aur long-term ke liye investment ke liye unke behtar avsar ke baare mein jaankari milegi.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | LIC Mutual Fund |
| Category | Multi Cap | Multi Cap |
| NAV (₹) | 1945.71 | 19.01 |
| AUM (₹ Cr) | 10.05 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 0.67% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 12.97 | 13.9 |
| Sharpe Ratio | 0.87 | 1.03 |
| 1 Year Return (%) | -0.81% | 5.23% |
| 3 Year Return (%) | 17.84% | 20.86% |
| 5 Year Return (%) | 17.6% | 11.46% |
| 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) | Yogesh Patil (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% | 38% |
🤖 AI Verdict – Which is Better?
Long-term ke liye wealth creation ke liye, hum Fund A ko behtar fund samjhte hain. Iske liye thoda jaankari hai. First, Fund A ka 3Y return 17.84% hai, jo Fund B ka 20.86% se kam hai. Lekin expense ratio ke liye, Fund A mein 0.67% ka expense ratio hai, jo Fund B ka 1.68% se kam hai. Aur hume Fund A ka riskometer bhi dekhna hai, jo Very High hai. Haan, Fund B ka bhi riskometer Very High hai, lekin Fund A ka Sharpe ratio 0.87 hai, jo Fund B ka 1.03 se kam hai. Isliye, hum Fund A ko behtar fund samjhte 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
SIP ke liye, hum Fund A ka behtar fund samjhte hain. Fund A ka 3Y return 17.84% hai, jo Fund B ka 20.86% se kam hai. Lekin Fund A ka expense ratio 0.67% hai, jo Fund B ka 1.68% se kam hai. Aur Fund A ka consistency bhi Fund B se achha hai, kyunki iska 1Y return -0.81% hai, jo Fund B ka 5.23% se kam hai. Isliye, SIP ke liye Fund A ka behtar fund samjhta hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye, hum Fund A ko behtar fund samjhte hain. Fund A ka riskometer Very High hai, lekin Fund B ka bhi Very High hai. Lekin Fund A ka volatility 12.97 hai, jo Fund B ka 13.9 se kam hai. Aur Fund A ka Sharpe ratio 0.87 hai, jo Fund B ka 1.03 se kam hai. Iske liye, Fund A ka expense ratio 0.67% hai, jo Fund B ka 1.68% se kam hai. Isliye, Fund A ka behtar risk-adjusted return hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye, hum Fund A ko behtar fund samjhte hain. Fund A ka asset allocation Equity mein 97.00% hai, jo Fund B ka bhi 97.00% hai. Lekin Fund A ka top holdings concentration HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) mein hai, jo Fund B ka bhi HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) mein hai. Isliye, Fund A ka asset allocation aur top holdings concentration Fund B se achha hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
LIC Mutual Fund 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?
Answer: Fund A ka 5Y return 17.6% hai, jo Fund B ka 11.46% se achha hai. Isliye, Fund A long-term ke liye better returns deta hai.
Q2: Is the higher risk fund worth it?
Answer: Na, Fund B ka riskometer Very High hai, lekin Fund A ka Sharpe ratio 0.87 hai, jo Fund B ka 1.03 se kam hai. Iske liye, Fund A ka risk-adjusted return Fund B se achha hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ka expense ratio 0.67% hai, jo Fund B ka 1.68% se kam hai. Isliye, Fund A 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