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, humne do funds ki comparison ki hai - HDFC Flexi Cap Fund aur SBI ELSS Tax Saver Fund. Dono funds alag categories mein aate hain, ek Multi Cap hai aur dusra ELSS. Chaliye, hum yeh jaanenge ki kaunsa fund 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, dono funds ki comparison karte hue, 3Y return aur expense ratio dekha toh HDFC Flexi Cap Fund thoda behtar lagta hai. Lekin, risk bhi dekho, dono funds ka riskometer Very High hai, lekin HDFC Flexi Cap Fund ka expense ratio thoda kam hai, 0.67% 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
Sach ye hai, HDFC Flexi Cap Fund aur SBI ELSS Tax Saver Fund dono hi SIP ke liye suitable hain, lekin consistency aur return stability ko dekha jaye toh HDFC Flexi Cap Fund thoda behtar lagta hai, kyunki uska 3Y return 17.84% hai.
⚠️ Risk & Cost Analysis
dekho, dono funds ka riskometer Very High hai, lekin volatility aur Sharpe ratio ko dekha jaye toh SBI ELSS Tax Saver Fund ka volatility 15.53 hai, jo ki HDFC Flexi Cap Fund se zyada hai. Lekin, Sharpe ratio dono funds ka almost same hai, 0.87.
📊 Portfolio Diversification
chaliye, asset allocation ko dekhein, HDFC Flexi Cap Fund mein Equity 97% hai aur T-Bills 3% hai, jabki SBI ELSS Tax Saver Fund mein Equity 96.05% hai aur T-Bills 0.12% hai. Top holdings ko dekha jaye toh dono funds mein ICICI Bank Ltd. aur Reliance Industries Ltd. 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?
SBI ELSS Tax Saver Fund ka 5Y return 17.91% hai, jo ki HDFC Flexi Cap Fund se thoda zyada hai, lekin 3Y return ko dekha jaye toh SBI ELSS Tax Saver Fund ka return 19.98% hai, jo ki HDFC Flexi Cap Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, dono funds ka riskometer Very High hai, lekin Sharpe ratio dono funds ka almost same hai, 0.87, jo ki risk-adjusted returns ko darshata hai.
Q3: Which fund is more cost‑effective?
HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo ki SBI ELSS Tax Saver Fund se kam hai, 0.93%.
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