HDFC Flexi Cap Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.55%
dekho, humne do funds compare kiye hain - HDFC Flexi Cap Fund aur Motilal Oswal Liquid Fund. ek Multi Cap category ka hai, doosra Liquid Fund category ka. chaliye, aage hum dekhenge ki inme se kaunsa fund long-term wealth creation ke liye behtar hai, aur kaunsa fund aapke SIP ke liye suitable hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Motilal Oswal |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 14.67 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.12 |
| Sharpe Ratio | 0.87 | 0.42 |
| 1 Year Return (%) | -0.81% | 5.84% |
| 3 Year Return (%) | 17.84% | 6.55% |
| 5 Year Return (%) | 17.6% | 5.76% |
| Since Launch (%) | 14.35% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Niket Shah (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% | 261% |
🤖 AI Verdict – Which is Better?
haan, agar aap long-term wealth creation chahte hain, to HDFC Flexi Cap Fund behtar hai. iska 3Y return 17.84% hai, jo Motilal Oswal Liquid Fund se zyada hai. lekin, risk bhi zyada hai, Very High riskometer ke saath. expense ratio bhi zyada hai, 0.67%.
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 Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
chaliye, SIP ke liye dekhenge to, HDFC Flexi Cap Fund behtar hai. iska 5Y return 17.6% hai, jo stable hai. Motilal Oswal Liquid Fund ka return bhi stable hai, lekin zyada nahi hai, 5Y return 5.76% hai.
⚠️ Risk & Cost Analysis
sach ye hai, HDFC Flexi Cap Fund ka risk zyada hai, Very High riskometer ke saath. volatility bhi zyada hai, 12.97. lekin, Sharpe ratio 0.87 hai, jo behtar hai. Motilal Oswal Liquid Fund ka risk Low hai, lekin Sharpe ratio 0.42 hai, jo kam hai.
📊 Portfolio Diversification
dekho, HDFC Flexi Cap Fund ka asset allocation zyada diversified hai, 97% equity mein invest hai. top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. Motilal Oswal Liquid Fund ka asset allocation bhi diversified hai, lekin zyada T-Bills mein invest hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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 Motilal Oswal Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Flexi Cap Fund ka higher risk worth hai, kyunki uska Sharpe ratio 0.87 hai, jo behtar hai.
Q3: Which fund is more cost‑effective?
Motilal Oswal Liquid Fund zyada cost-effective hai, kyunki uska expense ratio 0.12% hai, jo HDFC Flexi Cap Fund se 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