HDFC Flexi Cap Fund vs PPFAS 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 mutual funds ki comparison ki hai - HDFC Flexi Cap Fund aur PPFAS Mutual Fund Liquid Fund. Dono funds alag categories mein aate hain, ek Multi Cap hai aur dusra Liquid Fund. Is article mein hum aapko bataayenge ki kaunsa fund long-term wealth creation ke liye better hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | PPFAS Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 5622.79 |
| AUM (₹ Cr) | 10.05 Lac Cr | 4.41 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.12 |
| Sharpe Ratio | 0.87 | 3.58 |
| 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
haan, agar hum 3Y return, expense ratio, aur risk ko dekhein, to HDFC Flexi Cap Fund long-term wealth creation ke liye better lagta hai, lekin uska riskometer Very High hai. Lekin, PPFAS Mutual Fund Liquid Fund ka riskometer Low hai, lekin uska return bhi kam 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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
chaliye, agar aap monthly SIP ke liye fund search kar rahe hain, to HDFC Flexi Cap Fund better option ho sakta hai, kyunki uska 3Y return 17.84% hai, jo ki PPFAS Mutual Fund Liquid Fund se zyada hai. Lekin, PPFAS Mutual Fund Liquid Fund ka return stability zyada hai.
⚠️ Risk & Cost Analysis
sach ye hai, ki PPFAS Mutual Fund Liquid Fund ka riskometer Low hai, aur uska volatility bhi kam hai, jo ki 0.12 hai. Lekin, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo ki PPFAS Mutual Fund Liquid Fund se kam hai. Expense ratio ki baat karein, to PPFAS Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund se kam hai.
📊 Portfolio Diversification
dekho, HDFC Flexi Cap Fund ka asset allocation mein Equity 97% hai, jo ki zyada hai. Top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. PPFAS Mutual Fund Liquid Fund ka asset allocation mein T-Bills 65% hai, aur top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
PPFAS 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 ki PPFAS Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
haan, agar aap long-term wealth creation ke liye invest kar rahe hain, to HDFC Flexi Cap Fund ka higher risk worth ho sakta hai, kyunki uska Sharpe ratio 0.87 hai.
Q3: Which fund is more cost‑effective?
PPFAS Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund se kam hai, isliye PPFAS Mutual Fund Liquid Fund 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