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, humne do funds ki comparison ki hai - HDFC Flexi Cap Fund aur SBI Debt Fund. Dono funds alag categories mein aate hain, ek multi cap hai aur doosra debt fund hai. Chaliye, hum dekhte hain ki 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 dekhte hain, HDFC Flexi Cap Fund ka riskometer very high hai. Expense ratio bhi dekha, HDFC Flexi Cap Fund ka 0.67% hai, jo SBI Debt Fund ke 0.71% se kam hai. Sach ye hai, HDFC Flexi Cap Fund long-term wealth creation ke liye better 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, monthly SIP ke liye dekhte hain. HDFC Flexi Cap Fund ka consistency aur return stability thoda kam hai, lekin long-term mein returns acche hain. SBI Debt Fund ka consistency aur return stability zyada hai, lekin returns thode kam hain. Dekho, agar aap 10+ years ke liye SIP karna chahte hain, to HDFC Flexi Cap Fund better hai.
⚠️ Risk & Cost Analysis
Dekho, riskometer, volatility, Sharpe ratio, expense ratio - sab dekhte hain. HDFC Flexi Cap Fund ka riskometer very high hai, volatility 12.97 hai, aur Sharpe ratio 0.87 hai. SBI Debt Fund ka riskometer moderate hai, volatility 3 hai, aur Sharpe ratio 2.67 hai. Sach ye hai, SBI Debt Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Haan, asset allocation aur top holdings concentration dekhte hain. HDFC Flexi Cap Fund ka asset allocation equity mein 97% hai, aur top 3 holdings concentration zyada hai. SBI Debt Fund ka asset allocation diversified hai, debenture, SDL, T-Bills, aur GOI Sec mein. Dekho, SBI Debt Fund ka portfolio zyada diversified hai, aur sector risk kam 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. Isliye, HDFC Flexi Cap Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Dekho, HDFC Flexi Cap Fund ka riskometer very high hai, lekin Sharpe ratio 0.87 hai. SBI Debt Fund ka riskometer moderate hai, aur Sharpe ratio 2.67 hai. Isliye, SBI Debt Fund ka risk-adjusted return better hai.
Q3: Which fund is more cost‑effective?
HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo SBI Debt Fund ke 0.71% se kam hai. Isliye, 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