HDFC Flexi Cap Fund vs PPFAS 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%
Dono funds multi cap category me aate hain, lekin unke returns aur risk profile alag hain. Dekho, hum yahaan Fund A - HDFC Flexi Cap Fund aur Fund B - PPFAS Mutual Fund Multi Cap Fund ki tulna karenge, jisse aapko pata chale ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BPPFAS Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | PPFAS Mutual Fund |
| Category | Multi Cap | Multi Cap |
| NAV (₹) | 1945.71 | 19.01 |
| AUM (₹ Cr) | 10.05 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.67% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 12.97 | 14.1 |
| Sharpe Ratio | 0.87 | 1.02 |
| 1 Year Return (%) | -0.81% | 5.23% |
| 3 Year Return (%) | 17.84% | 20.86% |
| 5 Year Return (%) | 17.6% | 14.84% |
| 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) | Rajeev Thakkar (3.5 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% | 41% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return ke hisab se Fund B behtar hai, lekin risk bhi dono funds ka very high hai. Expense ratio ke mamle me Fund A thoda behtar hai, 0.67% ke comparison me Fund B ka expense ratio 1.68% hai. Sach ye hai ki Fund B ka 3Y return 20.86% hai, jo Fund A ke 17.84% se 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 PPFAS Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 1.02
📈 SIP Suitability
Chaliye, dono funds ka consistency aur return stability compare karte hain. Dekho, Fund B ka 1Y return 5.23% hai, jo Fund A ke -0.81% se zyada hai. Isse pata chalta hai ki Fund B SIP ke liye thoda behtar hai, lekin dono funds ka risk profile very high hai.
⚠️ Risk & Cost Analysis
Lekin, riskometer, volatility, Sharpe ratio, aur expense ratio ke comparison me Fund A thoda behtar hai. Fund A ka Sharpe ratio 0.87 hai, jo Fund B ke 1.02 se kam hai, lekin volatility aur riskometer dono funds ka almost same hai. Isse pata chalta hai ki Fund A ka risk-adjusted return thoda behtar hai.
📊 Portfolio Diversification
Dekho, dono funds ka asset allocation almost same hai, 97% equity aur 3% T-Bills. Top holdings me bhi dono funds ka concentration same hai, HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. Isse pata chalta hai ki dono funds ka diversification almost same hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
PPFAS 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?
5Y return ke hisab se Fund A behtar hai, 17.6% ke comparison me Fund B ka 14.84% hai, lekin 3Y return ke hisab se Fund B behtar hai, 20.86% ke comparison me Fund A ka 17.84% hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke comparison me Fund B ka risk-adjusted return thoda behtar hai, lekin dono funds ka risk profile very high hai, isliye investors ko apne risk appetite ke hisab se decision lena chahiye.
Q3: Which fund is more cost‑effective?
Expense ratio ke comparison me Fund A behtar hai, 0.67% ke comparison me Fund B ka 1.68% hai, lekin exit load ke baare me koi information nahi 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