HDFC Flexi Cap Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.96%
dekho, humein do funds milte hain - HDFC Flexi Cap Fund aur Nippon India Liquid Fund, jo ki alag categories mein aate hain, Multi Cap aur Liquid. chaliye, hum inse compare karte hain aur dekhte hain kaunsa fund aapke liye better hai. sach ye hai, yeh article aapko dono funds ke bare mein samajhne mein madad karega.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Nippon India |
| Category | Multi Cap | Liquid |
| NAV (₹) | 1945.71 | 6813.87 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.2% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.12 |
| Sharpe Ratio | 0.87 | 3.83 |
| 1 Year Return (%) | -0.81% | 6.21% |
| 3 Year Return (%) | 17.84% | 6.96% |
| 5 Year Return (%) | 17.6% | 6.14% |
| Since Launch (%) | 14.35% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 26% | 260% |
🤖 AI Verdict – Which is Better?
haan, long-term wealth creation ke liye, humein 3Y return, expense ratio, aur risk dekhte hain. HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo ki Nippon India Liquid Fund se zyada hai. lekin, riskometer bhi dekhte hain, jo ki HDFC Flexi Cap Fund ke liye Very High hai. expense ratio bhi thoda zyada hai, 0.67%. isliye, hum kehte hain HDFC Flexi Cap Fund better hai, lekin risk bhi zyada 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
chaliye, monthly SIP ke liye, humein consistency aur return stability dekhte hain. HDFC Flexi Cap Fund ka 5Y return 17.6% hai, jo ki Nippon India Liquid Fund se zyada hai. lekin, Nippon India Liquid Fund ka riskometer Low hai, jo ki zyada stable hai. isliye, hum kehte hain HDFC Flexi Cap Fund better hai, lekin Nippon India Liquid Fund bhi ek accha option hai.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio, aur expense ratio dekhte hain. HDFC Flexi Cap Fund ka riskometer Very High hai, volatility 12.97 hai, aur Sharpe ratio 0.87 hai. Nippon India Liquid Fund ka riskometer Low hai, volatility 0.12 hai, aur Sharpe ratio 3.83 hai. isliye, hum kehte hain Nippon India Liquid Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
haan, asset allocation aur top holdings concentration dekhte hain. HDFC Flexi Cap Fund ka asset allocation 97% equity hai, jo ki zyada concentrated hai. Nippon India Liquid Fund ka asset allocation zyada diversified hai, CP, CD, T-Bills, aur Debenture mein invested hai. isliye, hum kehte hain Nippon India Liquid Fund more diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@7.0% 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 ki Nippon India Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
volatility aur Sharpe ratio compare karte hain, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo ki Nippon India Liquid Fund se kam hai.
Q3: Which fund is more cost‑effective?
expense ratio compare karte hain, Nippon India Liquid Fund ka expense ratio 0.2% hai, jo ki HDFC Flexi Cap Fund se kam hai, aur exit load N/A 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