HDFC Flexi Cap Fund vs Navi 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, aapke paas do mutual fund options hain - HDFC Flexi Cap Fund aur Navi Mutual Fund Liquid Fund. inmein se pehla multi cap category mein aata hai, jabki doosra liquid fund category mein. aap yeh jaanenge ki inmein se kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Navi Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 5622.79 |
| AUM (₹ Cr) | 10.05 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.13 |
| Sharpe Ratio | 0.87 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
haan, 3Y return, expense ratio, aur risk ko dekhte hue, HDFC Flexi Cap Fund long-term wealth creation ke liye behtar lagta hai. iska 3Y return 17.84% hai, jo Navi Mutual Fund Liquid Fund se zyada hai. lekin, risk bhi zyada hai, isliye aapko apne risk appetite ko dhyan mein rakhna 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
chaliye, agar aap 10+ saal ke liye monthly SIP karne ki soch rahe hain, to HDFC Flexi Cap Fund behtar vikalp hai. iska consistency aur return stability zyada hai, jo long-term ke liye faydemand hai.
⚠️ Risk & Cost Analysis
sach ye hai, Navi Mutual Fund Liquid Fund ka riskometer low hai, lekin HDFC Flexi Cap Fund ka riskometer very high hai. lekin, Sharpe ratio dekha jaye to, Navi Mutual Fund Liquid Fund ka Sharpe ratio 3.31 hai, jo HDFC Flexi Cap Fund se zyada hai. iska matlab hai ki Navi Mutual Fund Liquid Fund ne risk-adjusted returns di hai.
📊 Portfolio Diversification
dekho, HDFC Flexi Cap Fund ka asset allocation equity mein 97% hai, jabki Navi Mutual Fund Liquid Fund ka asset allocation T-Bills, CD, CP, aur cash mein hai. top holdings mein, HDFC Flexi Cap Fund ka concentration zyada hai, lekin Navi Mutual Fund Liquid Fund ka portfolio zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Navi 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?
HDFC Flexi Cap Fund ka 5Y return 17.6% hai, jo Navi Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo moderate hai, lekin volatility 12.97 hai, jo zyada hai. isliye, aapko apne risk appetite ko dhyan mein rakhna hoga.
Q3: Which fund is more cost‑effective?
Navi Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund se kam hai. isliye, Navi Mutual Fund Liquid Fund zyada 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