HDFC Flexi Cap Fund vs Navi Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
20.86%
Dekho, aapke paas do bade fund hain, HDFC Flexi Cap Fund aur Navi Mutual Fund Multi Cap Fund. Dono fund Multi Cap category mein hain. Aaj humein yeh samajhna hoga ki dono fund mein kya antar hai aur kis fund mein aap invest kar sakte hain.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BNavi Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Navi Mutual Fund |
| Category | Multi Cap | Multi Cap |
| NAV (₹) | 1945.71 | 19.01 |
| AUM (₹ Cr) | 10.05 Lac Cr | 1.81 Lac Cr |
| Expense Ratio (%) | 0.67% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 12.97 | 15 |
| Sharpe Ratio | 0.87 | 0.96 |
| 1 Year Return (%) | -0.81% | 5.23% |
| 3 Year Return (%) | 17.84% | 20.86% |
| 5 Year Return (%) | 17.6% | 11.52% |
| Since Launch (%) | 14.35% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 26% | 52% |
🤖 AI Verdict – Which is Better?
Haan, chaliye ek baat samajhne ka. Fund B ne 3Y mein 20.86% return diya hai, jo Fund A ki 17.84% se zyada hai. Lekin expense ratio mein bhi Fund B se zyada hai, 1.68% Fund A ki 0.67% se jyada. Riskometer bhi dono fund very high hai, lekin Sharpe ratio mein Fund B se zyada hai. Sach ye hai, Fund B long-term mein wealth creation ke liye thoda bhi better 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.81 Lac Cr
- Sharpe Ratio: 0.96
📈 SIP Suitability
SIP ke liye fund chunne se pehle, humein consistency aur return stability ki sochna chahiye. Fund A ka 1Y return -0.81% hai, jo Fund B ki 5.23% se kam hai. Lekin Fund A ka 3Y return 17.84% hai, jo Fund B ki 20.86% se kam hai. Haan, SIP ke liye Fund B thoda bhi better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio mein fund ki comparison karke humein pata chalta hai ki kis fund mein better risk-adjusted returns hain. Fund B ka riskometer bhi very high hai, lekin Sharpe ratio mein zyada hai. Lekin expense ratio mein Fund B se zyada hai. Sach ye hai, Fund B ki volatility 15 hai, jo Fund A ki 12.97 se zyada hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration mein fund ki comparison karke humein pata chalta hai ki kis fund mein portfolio diversification hai. Dono fund ki asset allocation equity mein 97% hai. Lekin top holdings mein HDFC Bank Ltd. aur ICICI Bank Ltd. dono fund mein 6.5% aur 5.8% mein hain. Sector risk mein bhi dono fund mein samaan hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Navi Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Answer: Fund B ka 5Y return 11.52% hai, jo Fund A ka 17.6% se kam hai. Lekin Fund A ka 3Y return 17.84% hai, jo Fund B ki 20.86% se kam hai. Haan, Fund B long-term mein wealth creation ke liye thoda bhi better hai.
Q2: Is the higher risk fund worth it?
Answer: Fund B ki volatility 15 hai, jo Fund A ki 12.97 se zyada hai. Lekin Fund B ka Sharpe ratio 0.96 hai, jo Fund A ka 0.87 se zyada hai. Haan, Fund B ki higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ka expense ratio 0.67% hai, jo Fund B ki 1.68% se kam hai. Lekin Fund B ki exit load N/A hai, Fund A ki exit load bhi N/A hai. Haan, Fund A 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