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, risk aur expense ratio alag hain. Dekho, hum HDFC Flexi Cap Fund aur SBI Contra Fund ke beech comparison karenge, taaki aap jaan sakein 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?
HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo SBI Contra Fund ke 16.36% se zyada hai. Haan, dono funds ka riskometer very high hai, lekin HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo SBI Contra Fund ke 0.72% se kam hai. Isliye, hum HDFC Flexi Cap Fund ko long-term wealth creation ke liye behtar maante hain.
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
Agar aap 10+ years ke liye monthly SIP kar rahe hain, to HDFC Flexi Cap Fund behtar hai. Dekho, iska 3Y return zyada hai aur consistency bhi acchi hai. Chaliye, dono funds mein investment karein, lekin HDFC Flexi Cap Fund ko thoda upper hand milega.
⚠️ Risk & Cost Analysis
Riskometer, volatility, aur Sharpe ratio ke hisab se, dono funds ka risk very high hai. Lekin, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo SBI Contra Fund ke 0.72 se zyada hai. Isliye, HDFC Flexi Cap Fund behtar risk-adjusted returns deta hai. Sach ye hai, expense ratio bhi kam hai, jo aapke returns ko aur bhi badhata hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, HDFC Flexi Cap Fund ka 97% equity mein investment hai, jabki SBI Contra Fund ka 81.12% equity mein hai. Top holdings ke hisab se, dono funds mein HDFC Bank Ltd. aur Reliance Industries Ltd. hai, lekin SBI Contra Fund mein Biocon Ltd. bhi hai. Dekho, HDFC Flexi Cap Fund thoda less diversified hai, lekin sector risk bhi kam 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?
SBI Contra Fund ka 5Y return 18.26% hai, jo HDFC Flexi Cap Fund ke 17.6% se zyada hai. Lekin, 3Y return ke hisab se, HDFC Flexi Cap Fund behtar hai.
Q2: Is the higher risk fund worth it?
Dono funds ka risk very high hai, lekin HDFC Flexi Cap Fund ka Sharpe ratio zyada hai, jo risk-adjusted returns ko darshata hai. Isliye, higher risk worth it hai, agar aap long-term mein investment karte hain.
Q3: Which fund is more cost‑effective?
HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo SBI Contra Fund ke 0.72% se kam hai. Exit load N/A hai, lekin expense ratio ke hisab se, HDFC Flexi Cap Fund zyada 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