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 ki comparison ki hai - HDFC Flexi Cap Fund aur Motilal Oswal Liquid Fund. Dono ki category alag hai, ek Multi Cap hai aur doosra Liquid Fund. Chaliye, hum dekhte hai ki kaunsa fund aapke liye better hai, long-term wealth creation ke liye.
| 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, HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo Motilal Oswal Liquid Fund ke 6.55% se zyada hai. Lekin, riskometer very high hai, lekin expense ratio 0.67% hai, jo thoda high hai. Sach ye hai, HDFC Flexi Cap Fund long-term wealth creation ke liye better hai, agar aap high risk le sakte 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 Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
Dekho, HDFC Flexi Cap Fund ka 3Y return consistent hai, lekin volatility 12.97 hai. Motilal Oswal Liquid Fund ka return stable hai, lekin 5Y return 5.76% hai, jo thoda kam hai. Chaliye, HDFC Flexi Cap Fund SIP ke liye better hai, agar aap 10+ years ke liye invest kar rahe hai.
⚠️ Risk & Cost Analysis
Haan, HDFC Flexi Cap Fund ka riskometer very high hai, aur volatility 12.97 hai. Lekin, Sharpe ratio 0.87 hai, jo Motilal Oswal Liquid Fund ke 0.42 se zyada hai. Expense ratio 0.67% hai, jo thoda high hai. Sach ye hai, HDFC Flexi Cap Fund risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
Dekho, HDFC Flexi Cap Fund ka asset allocation 97% equity hai, aur top 3 holdings concentration 17.2% hai. Motilal Oswal Liquid Fund ka asset allocation diversified hai, aur top 3 holdings concentration 22.5% hai. Chaliye, Motilal Oswal Liquid Fund portfolio diversification ke liye better 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 ke 5.76% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo Motilal Oswal Liquid Fund ke 0.42 se zyada hai, lekin volatility 12.97 hai.
Q3: Which fund is more cost‑effective?
Motilal Oswal Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund ke 0.67% se kam hai, N/A exit load ke bare me.
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