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, aaj hum do alag-alag category ke mutual funds, HDFC Flexi Cap Fund aur PPFAS Mutual Fund Liquid Fund, compare karne ja rahe hain. yeh dono funds apne-apne category mein kaise perform kar rahe hain, iske baare mein hum aage chalte hue jaanenge, chaliye.
| 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, long-term wealth creation ke liye HDFC Flexi Cap Fund behtar hai, kyunki iska 3Y return 17.84% hai, jo PPFAS Mutual Fund Liquid Fund se zyada hai, lekin risk bhi very high hai, sach ye hai ki expense ratio bhi thoda zyada hai, 0.67%.
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
dekho, agar aap 10+ years ke liye monthly SIP karne ki soch rahe hain, to HDFC Flexi Cap Fund behtar hai, kyunki iska long-term return stability acchi hai, chaliye, lekin risk bhi high hai.
⚠️ Risk & Cost Analysis
PPFAS Mutual Fund Liquid Fund ka riskometer low hai, volatility bhi kam hai, 0.12, aur Sharpe ratio bhi accha hai, 3.58, isse pata chalta hai ki yeh fund risk-adjusted returns mein behtar hai, expense ratio bhi kam hai, 0.12%.
📊 Portfolio Diversification
dekho, HDFC Flexi Cap Fund ka asset allocation equity mein 97% hai, jo thoda risky hai, aur top 3 holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hain, jo concentrated hai, PPFAS Mutual Fund Liquid Fund ka asset allocation thoda diversified hai, T-Bills, CD, CP, aur cash mein.
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 PPFAS Mutual Fund Liquid Fund se zyada hai, isliye yeh fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Flexi Cap Fund ka higher risk worth it hai, kyunki iska Sharpe ratio 0.87 hai, jo accha hai, lekin volatility bhi zyada hai, 12.97.
Q3: Which fund is more cost‑effective?
PPFAS Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund se kam hai, isliye yeh 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