HDFC Flexi Cap Fund vs Mirae Asset ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
14.73%
dekho, aaj hum do funds ki comparison karenge, HDFC Flexi Cap Fund aur Mirae Asset ELSS Tax Saver Fund. yeh dono funds alag categories mein aate hain, ek Multi Cap hai aur dusra ELSS. hum yeh jaanenge ki inmein se kaunsa fund long-term wealth creation ke liye behtar hai, aur kyun.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BMirae Asset ELSS Tax Saver Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Mirae Asset |
| Category | Multi Cap | ELSS |
| NAV (₹) | 1945.71 | 48.73 |
| AUM (₹ Cr) | 10.05 Lac Cr | 2.53 Lac Cr |
| Expense Ratio (%) | 0.67% | 1.62% |
| Riskometer | Very High | Very High |
| Volatility | 12.97 | 13.85 |
| Sharpe Ratio | 0.87 | 0.59 |
| 1 Year Return (%) | -0.81% | 2.19% |
| 3 Year Return (%) | 17.84% | 14.73% |
| 5 Year Return (%) | 17.6% | 12.52% |
| Since Launch (%) | 14.35% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 29 December 2015 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Neelesh Surana (10.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | HDFC Bank Ltd. (9.53%), ICICI Bank Ltd. (4.84%), Reliance Industries Ltd. (4.19%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | Equity: 99.11% | Mutual Fund: 0.0% |
| Portfolio Turnover | 26% | 69% |
🤖 AI Verdict – Which is Better?
haan, HDFC Flexi Cap Fund 3Y return mein 17.84% ka return de raha hai, jo ki Mirae Asset ELSS Tax Saver Fund se zyada hai. iske alawa, HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo ki Mirae Asset ELSS Tax Saver Fund se kam hai. lekin, dono funds ka riskometer Very High hai, isliye humein carefully decide karna hoga.
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 Mirae Asset ELSS Tax Saver Fund?
- Expense ratio: 1.62%
- 3Y return: 14.73%
- AUM: 2.53 Lac Cr
- Sharpe Ratio: 0.59
📈 SIP Suitability
chaliye, SIP ke liye dekhte hain, HDFC Flexi Cap Fund ka 5Y return 17.6% hai, jo ki Mirae Asset ELSS Tax Saver Fund se zyada hai. iske alawa, HDFC Flexi Cap Fund ka consistency bhi thika hai, isliye yeh fund SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
sach ye hai, dono funds ka riskometer Very High hai, lekin HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo ki Mirae Asset ELSS Tax Saver Fund se zyada hai. iske alawa, HDFC Flexi Cap Fund ka expense ratio bhi kam hai, isliye yeh fund risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
dekho, HDFC Flexi Cap Fund ka asset allocation mein Equity 97% hai, aur T-Bills 3% hai. iske alawa, top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. Mirae Asset ELSS Tax Saver Fund ka bhi similar portfolio hai, lekin yeh thoda zyada concentrated hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Mirae Asset ELSS Tax Saver Fund
₹1370327.40
@14.7% 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 Mirae Asset ELSS Tax Saver Fund se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo ki Mirae Asset ELSS Tax Saver Fund se zyada hai, isliye yeh fund higher risk ke liye worth hai.
Q3: Which fund is more cost‑effective?
HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo ki Mirae Asset ELSS Tax Saver Fund se kam hai, isliye yeh 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