HDFC Flexi Cap Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
19.98%
dekho, aapko do fund options mil rahe hain - HDFC Flexi Cap Fund aur SBI ELSS Tax Saver Fund, jo ki Multi Cap aur ELSS categories mein aate hain. is article mein hum in dono funds ki comparison karenge aur aapko bataayenge ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Multi Cap | ELSS |
| NAV (₹) | 1945.71 | 462.73 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.93% |
| Riskometer | Very High | Very High |
| Volatility | 12.97 | 15.53 |
| Sharpe Ratio | 0.87 | 0.87 |
| 1 Year Return (%) | -0.81% | -1.1% |
| 3 Year Return (%) | 17.84% | 19.98% |
| 5 Year Return (%) | 17.6% | 17.91% |
| Since Launch (%) | 14.35% | 15.42% |
| 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) | Milind Agrawal (0.4 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 26% | 37% |
🤖 AI Verdict – Which is Better?
haan, 3Y return ke hisaab se SBI ELSS Tax Saver Fund behtar hai, lekin expense ratio HDFC Flexi Cap Fund ka thoda kam hai, aur dono funds ka riskometer Very High hai. isliye, hum kehte hain ki HDFC Flexi Cap Fund long-term wealth creation ke liye behtar 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 ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
chaliye, SIP ke liye dekhte hain, to dono funds ka 3Y return accha hai, lekin consistency aur return stability ke maamle mein HDFC Flexi Cap Fund thoda behtar hai, isliye yeh fund 10+ years ke SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
sach ye hai ki dono funds ka riskometer Very High hai, aur volatility bhi thodi high hai, lekin Sharpe ratio dono funds ka almost same hai. expense ratio ke maamle mein HDFC Flexi Cap Fund ka 0.67% thoda kam hai, isliye yeh fund risk-adjusted returns ke maamle mein behtar hai.
📊 Portfolio Diversification
dekho, asset allocation ke maamle mein dono funds ka equity allocation 96% se upar hai, lekin top holdings ke maamle mein SBI ELSS Tax Saver Fund ka ICICI Bank Ltd. ka allocation thoda zyada hai, isliye HDFC Flexi Cap Fund ka portfolio thoda more diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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 hisaab se HDFC Flexi Cap Fund ka return 17.6% hai, jabki SBI ELSS Tax Saver Fund ka return 17.91% hai, isliye SBI ELSS Tax Saver Fund ka return thoda behtar hai.
Q2: Is the higher risk fund worth it?
volatility ke maamle mein SBI ELSS Tax Saver Fund ka 15.53 thoda zyada hai, lekin Sharpe ratio dono funds ka almost same hai, isliye higher risk fund thoda risky hai.
Q3: Which fund is more cost‑effective?
expense ratio ke maamle mein HDFC Flexi Cap Fund ka 0.67% thoda kam hai, isliye yeh 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