HDFC Flexi Cap Fund vs SBI Contra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
16.36%
Dono funds multi cap category mein aate hain, lekin unke returns aur risk profile alag hain. Dekho, hum Fund A, HDFC Flexi Cap Fund, aur Fund B, SBI Contra Fund, ko compare karenge, taaki aap samjh saken ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BSBI Contra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Multi Cap | Multi Cap |
| NAV (₹) | 1945.71 | 408.51 |
| AUM (₹ Cr) | 10.05 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.72% |
| Riskometer | Very High | Very High |
| Volatility | 12.97 | 13.7 |
| Sharpe Ratio | 0.87 | 0.72 |
| 1 Year Return (%) | -0.81% | -1.21% |
| 3 Year Return (%) | 17.84% | 16.36% |
| 5 Year Return (%) | 17.6% | 18.26% |
| Since Launch (%) | 14.35% | 15.48% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Dinesh Balachandran; Pradeep Kesavan (8.1 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. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | Equity: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% |
| Portfolio Turnover | 26% | 130% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return, expense ratio, aur risk ko dekhte hue, Fund A thoda better lagta hai. Iska 3Y return 17.84% hai, jo Fund B se zyada hai, aur expense ratio 0.67% hai, jo thoda kam hai. Lekin, dono funds ka riskometer very high hai, toh aapko apne risk appetite ke hisab se decide karna hoga.
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 SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
Chaliye, SIP ke liye dono funds ko dekhein. Consistency aur return stability ko dekhte hue, Fund A thoda better lagta hai. Iska 3Y return consistent hai, aur volatility bhi thodi kam hai. Toh, agar aap 10+ years ke liye SIP karna chahte hain, toh Fund A better option ho sakta hai.
⚠️ Risk & Cost Analysis
Sach ye hai, dono funds ka riskometer very high hai, lekin Fund A ka Sharpe ratio 0.87 hai, jo Fund B se zyada hai. Aur, expense ratio bhi thoda kam hai. Toh, risk-adjusted returns ko dekhte hue, Fund A better lagta hai. Lekin, volatility ko dekhte hue, Fund A ka volatility 12.97 hai, jo Fund B se kam hai.
📊 Portfolio Diversification
Dekho, asset allocation ko dekhte hue, Fund A ka equity allocation 97% hai, jo Fund B se zyada hai. Aur, top 3 holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hain. Fund B ka asset allocation thoda diversified hai, lekin top 3 holdings mein bhi HDFC Bank aur Reliance Industries hain. Toh, sector risk ko dekhte hue, Fund B thoda better lagta hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
SBI Contra Fund
₹1516047.14
@16.4% 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 ko dekhte hue, Fund B ka return 18.26% hai, jo Fund A se zyada hai. Lekin, 3Y return ko dekhte hue, Fund A ka return 17.84% hai, jo Fund B se zyada hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ko dekhte hue, Fund A ka Sharpe ratio 0.87 hai, jo Fund B se zyada hai. Toh, higher risk fund worth it ho sakta hai, agar aapke risk appetite ke hisab se ho.
Q3: Which fund is more cost‑effective?
Expense ratio ko dekhte hue, Fund A ka expense ratio 0.67% hai, jo Fund B se kam hai. Exit load N/A hai, toh hum sirf expense ratio ko dekhte hue kahte hain ki Fund A thoda 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