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, aapke paas do fund options hain - HDFC Flexi Cap Fund aur SBI Liquid Fund. Ye dono alag categories mein aate hain, ek Multi Cap hai aur doosra Liquid. Chaliye, aapko yeh samajhne mein madad karte hain ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| 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, agar aap long-term wealth creation ke liye soch rahe hain, to HDFC Flexi Cap Fund behtar hai. Iska 3Y 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 SIP ke liye behtar hai kyunki iska return stable hai aur consistency bhi achhi hai. Lekin, HDFC Flexi Cap Fund bhi long-term SIP ke liye achha hai agar aap risk ko manage kar sakte hain.
⚠️ Risk & Cost Analysis
Dekho, riskometer ke hisab se HDFC Flexi Cap Fund ka risk Very High hai, jabki SBI Liquid Fund ka risk Low hai. Volatility bhi HDFC Flexi Cap Fund mein zyada hai, 12.97%. Sharpe ratio ke hisab se, SBI Liquid Fund behtar hai, 3.25 ke saath.
📊 Portfolio Diversification
Chaliye, portfolio diversification ke baare mein baat karte hain. HDFC Flexi Cap Fund ka asset allocation mein Equity 97% hai, jabki SBI Liquid Fund ka T-Bills, CD, CP, aur Cash mein allocate hai. Top holdings mein, HDFC Flexi Cap Fund ka concentration zyada hai, HDFC Bank Ltd. aur ICICI Bank Ltd. mein.
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, jo SBI Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, agar aap risk ko manage kar sakte hain, to HDFC Flexi Cap Fund ka higher risk worth hai. Sharpe ratio 0.87 hai, jo decent hai.
Q3: Which fund is more cost‑effective?
SBI Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund se kam 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