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, humne do alag-alag category ke funds ki comparison ki hai - Multi Cap aur Liquid Fund. Fund A, HDFC Flexi Cap Fund - Direct Plan - Growth, ek Multi Cap fund hai, jabki Fund B, Navi Mutual Fund Liquid Fund - Direct Plan - Growth, ek Liquid Fund hai. Chaliye, hum is article mein in dono funds ki comparison karte hain aur dekhte hain ki kaunsa fund aapke liye better 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, long-term wealth creation ke liye, humne Fund A ko better mana hai. Iska 3Y return 17.84% hai, jo Fund B ke 6.93% se zyada hai. Lekin, risk bhi zyada hai, Very High riskometer ke saath. Expense ratio 0.67% hai, jo moderate hai. Sach ye hai, higher return ke liye higher risk lena padta 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Dekho, agar aap 10+ years ke liye monthly SIP karna chahte hain, to Fund A better hai. Iska consistency aur return stability acchi hai, 3Y return 17.84% ke saath. Lekin, risk bhi zyada hai, isliye aapko apne risk appetite ko dhyan mein rakhna hoga.
⚠️ Risk & Cost Analysis
Chaliye, riskometer, volatility, Sharpe ratio, aur expense ratio ki comparison karte hain. Fund A ka riskometer Very High hai, jabki Fund B ka Low hai. Volatility 12.97 hai, jabki Fund B ka 0.13 hai. Sharpe ratio 0.87 hai, jabki Fund B ka 3.31 hai. Expense ratio 0.67% hai, jabki Fund B ka 0.12% hai. Sach ye hai, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Dekho, asset allocation ki comparison karte hain. Fund A ka asset allocation 97% equity hai, jabki Fund B ka 65% T-Bills hai. Top holdings concentration bhi alag hai, Fund A ka HDFC Bank Ltd. (6.5%) hai, jabki Fund B ka State Bank of India CD (8.5%) hai. Fund A more sector risk hai, lekin Fund B more 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?
Fund A ka 5Y return 17.6% hai, jabki Fund B ka 6.11% hai. Isliye, Fund A better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, higher risk fund, Fund A, 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?
Fund B ka expense ratio 0.12% hai, jo Fund A ke 0.67% se kam hai. Isliye, Fund B 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