HDFC Flexi Cap Fund vs SBI Midcap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
15.45%
dekho, humne do funds ki comparison ki hai - HDFC Flexi Cap Fund aur SBI Midcap Fund. Dono funds ki category alag hai, ek Multi Cap hai aur dusra Mid Cap. Chaliye, hum dekhte hain ki kaunsa fund long-term wealth creation ke liye better hai aur kyun.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BSBI Midcap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Multi Cap | Mid Cap |
| NAV (₹) | 1945.71 | 264.93 |
| AUM (₹ Cr) | 10.05 Lac Cr | 2.32 Lac Cr |
| Expense Ratio (%) | 0.67% | 1.62% |
| Riskometer | Very High | Very High |
| Volatility | 12.97 | 14.71 |
| Sharpe Ratio | 0.87 | 0.61 |
| 1 Year Return (%) | -0.81% | 1.71% |
| 3 Year Return (%) | 17.84% | 15.45% |
| 5 Year Return (%) | 17.6% | 16.58% |
| Since Launch (%) | 14.35% | 18.28% |
| 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) | Bhavin Vithlani; Pradeep Kesavan (2.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty Midcap 150 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | Bharat Heavy Electricals Ltd. (3.79%), Torrent Power Ltd. (3.73%), Adani Energy Solutions Ltd. (3.49%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | Equity: 93.08% | T-Bills: 1.19% | Futures: 0.29% |
| Portfolio Turnover | 26% | 33% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo SBI Midcap Fund se zyada hai. Expense ratio bhi kam hai, 0.67% ki jagah 1.62%. Lekin, riskometer dono funds ka Very High hai, lekin volatility aur Sharpe ratio ki comparison ke baad hum kehte hain ki 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 Midcap Fund?
- Expense ratio: 1.62%
- 3Y return: 15.45%
- AUM: 2.32 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Sach ye hai ki SBI Midcap Fund ka 1Y return 1.71% hai, jo HDFC Flexi Cap Fund se zyada hai. Lekin, consistency aur return stability ki baat karein to HDFC Flexi Cap Fund zyada stable hai. Isliye, hum kehte hain ki HDFC Flexi Cap Fund 10+ years ke liye monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
dekho, dono funds ka riskometer Very High hai, lekin volatility aur Sharpe ratio ki comparison ke baad hum kehte hain ki HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo SBI Midcap Fund se zyada hai. Isse pata chalta hai ki HDFC Flexi Cap Fund ka risk-adjusted return zyada hai. Expense ratio bhi kam hai, 0.67% ki jagah 1.62%.
📊 Portfolio Diversification
Chaliye, hum dekhte hain ki kaunsa fund zyada diversified hai. HDFC Flexi Cap Fund ka asset allocation equity 97% aur T-Bills 3% hai, jabki SBI Midcap Fund ka asset allocation equity 93.08%, T-Bills 1.19%, aur futures 0.29% hai. Top holdings ki baat karein to HDFC Flexi Cap Fund ka concentration zyada hai, lekin sector risk SBI Midcap Fund mein zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
SBI Midcap Fund
₹1432566.71
@15.4% 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 Midcap Fund ke 16.58% se zyada hai. Isliye, hum kehte hain ki HDFC Flexi Cap Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo SBI Midcap Fund ke 0.61 se zyada hai. Isse pata chalta hai ki HDFC Flexi Cap Fund ka risk-adjusted return zyada hai, isliye higher risk worth it hai.
Q3: Which fund is more cost‑effective?
HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo SBI Midcap Fund ke 1.62% se kam hai. Isliye, hum kehte hain ki 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