HDFC Flexi Cap Fund vs SBI Debt Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
14.51%
dekho, aapke paas do fund options hain - HDFC Flexi Cap Fund aur SBI Debt Fund. Ye dono alag categories mein aate hain, ek Multi Cap hai aur doosra Debt. Chaliye, aapko ye samjhaate hain ki inmein se kaunsa fund aapke liye better hai, long-term wealth creation ke liye.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BSBI Debt Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Multi Cap | Debt |
| NAV (₹) | 1945.71 | 13.73 |
| AUM (₹ Cr) | 10.05 Lac Cr | 8.34 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.71% |
| Riskometer | Very High | Moderate |
| Volatility | 12.97 | 3 |
| Sharpe Ratio | 0.87 | 2.67 |
| 1 Year Return (%) | -0.81% | 4.95% |
| 3 Year Return (%) | 17.84% | 14.51% |
| 5 Year Return (%) | 17.6% | 12.09% |
| Since Launch (%) | 14.35% | N/A |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 9 April 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | CRISIL Composite Bond Fund Index |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% |
| Portfolio Turnover | 26% | 150% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo SBI Debt Fund ke 14.51% se zyada hai. Lekin, risk bhi dekho, HDFC Flexi Cap Fund ka riskometer Very High hai, aur expense ratio 0.67% hai. Sach ye hai, HDFC Flexi Cap Fund long-term wealth creation ke liye better hai, lekin risk bhi 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 SBI Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
📈 SIP Suitability
Chaliye, SIP ke liye dekhte hain. HDFC Flexi Cap Fund ka 5Y return 17.6% hai, aur SBI Debt Fund ka 12.09% hai. Dekho, consistency aur return stability ke liye, HDFC Flexi Cap Fund better hai, lekin risk bhi dekho.
⚠️ Risk & Cost Analysis
Riskometer compare karte hain, toh HDFC Flexi Cap Fund ka Very High hai, aur SBI Debt Fund ka Moderate hai. Volatility bhi dekho, HDFC Flexi Cap Fund ka 12.97 hai, aur SBI Debt Fund ka 3 hai. Sharpe ratio bhi dekho, HDFC Flexi Cap Fund ka 0.87 hai, aur SBI Debt Fund ka 2.67 hai. Sach ye hai, SBI Debt Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation dekho, HDFC Flexi Cap Fund ka 97% equity mein hai, aur SBI Debt Fund ka 40% debenture mein hai. Top holdings bhi dekho, HDFC Flexi Cap Fund ka HDFC Bank Ltd. mein 6.5% hai, aur SBI Debt Fund ka National Bank For Agriculture And Rural Development mein 5.8% hai. Dekho, SBI Debt Fund more diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
SBI Debt Fund
₹1351949.82
@14.5% 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 SBI Debt Fund ke 12.09% se zyada hai.
Q2: Is the higher risk fund worth it?
Volatility dekho, HDFC Flexi Cap Fund ka 12.97 hai, aur Sharpe ratio 0.87 hai. Sach ye hai, higher risk fund worth it hai, lekin risk bhi dekho.
Q3: Which fund is more cost‑effective?
Expense ratio compare karte hain, HDFC Flexi Cap Fund ka 0.67% hai, aur SBI Debt Fund ka 0.71% hai. Dekho, HDFC Flexi Cap 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