HDFC Flexi Cap Fund vs SBI Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.89%
dekho, humne do alag-alag categories ke funds ki comparison ki hai - HDFC Flexi Cap Fund jo Multi Cap category mein aata hai, aur SBI Liquid Fund jo Liquid category mein aata hai. aage chaliye, hum yeh jaanenge ki inme se kaunsa fund aapke liye better hai, aur kyun.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BSBI Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Multi Cap | Liquid |
| NAV (₹) | 1945.71 | 4351.16 |
| AUM (₹ Cr) | 10.05 Lac Cr | 7.12 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.12 |
| Sharpe Ratio | 0.87 | 3.25 |
| 1 Year Return (%) | -0.81% | 6.15% |
| 3 Year Return (%) | 17.84% | 6.89% |
| 5 Year Return (%) | 17.6% | 6.09% |
| Since Launch (%) | 14.35% | 6.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 26% | 260% |
🤖 AI Verdict – Which is Better?
haan, long-term wealth creation ke liye, humara verdict hai ki HDFC Flexi Cap Fund behtar hai, kyunki uska 3-year return 17.84% hai, jo SBI Liquid Fund se zyada hai. lekin, risk bhi zyada hai, Very High riskometer ke saath. expense ratio bhi thoda zyada hai, 0.67%.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
📈 SIP Suitability
sach ye hai, SBI Liquid Fund consistency aur return stability ke maamle mein behtar hai, lekin HDFC Flexi Cap Fund bhi 10+ years ke SIP ke liye suitable hai, agar aap risk tolerate kar sakte hain. consistency ka mamla hai, aur SBI Liquid Fund mein volatility bahut kam hai, 0.12.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se, SBI Liquid Fund ka risk Low hai, jabki HDFC Flexi Cap Fund ka risk Very High hai. volatility bhi SBI Liquid Fund mein kam hai, 0.12. Sharpe ratio ke hisab se, SBI Liquid Fund behtar hai, 3.25 ke saath. expense ratio bhi SBI Liquid Fund mein kam hai, 0.12%.
📊 Portfolio Diversification
chaliye, asset allocation ki baat karte hain, toh HDFC Flexi Cap Fund mein equity allocation 97% hai, jabki SBI Liquid Fund mein T-Bills, CD, CP, aur Cash mein allocation hai. top holdings ki baat karte hain, toh HDFC Flexi Cap Fund mein HDFC Bank, ICICI Bank, aur Reliance Industries hain, jabki SBI Liquid Fund mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
SBI Liquid Fund
₹865144.00
@6.9% 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, aur 3Y return 17.84% hai, jo SBI Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Sharpe ratio ke hisab se, SBI Liquid Fund behtar hai, 3.25 ke saath, lekin HDFC Flexi Cap Fund ka return bhi zyada hai, agar aap risk tolerate kar sakte hain.
Q3: Which fund is more cost‑effective?
SBI Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund se kam hai, jiska expense ratio 0.67% 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