HDFC Flexi Cap Fund vs Tata Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.93%
dekho, hum do alag-alag category ke funds compare kar rahe hain - Multi Cap aur Liquid Fund. Fund A, HDFC Flexi Cap Fund, ek Multi Cap fund hai, jabki Fund B, Tata Mutual Fund Liquid Fund, ek Liquid Fund hai. is article mein, hum in dono funds ke returns, risk, aur cost ko compare karenge, taaki aap decide kar sakein ki kaunsa fund aapke liye better hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Tata Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 5622.79 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.50 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.13 |
| Sharpe Ratio | 0.87 | 3.31 |
| 1 Year Return (%) | -0.81% | 6.17% |
| 3 Year Return (%) | 17.84% | 6.93% |
| 5 Year Return (%) | 17.6% | 6.11% |
| Since Launch (%) | 14.35% | 50.63% |
| 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) | Sonam Udasi (3.5 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% | 297% |
🤖 AI Verdict – Which is Better?
chaliye, hum dekhte hain, 3Y return ke hisab se, Fund A ka return 17.84% hai, jo ki Fund B se zyada hai. lekin, risk bhi zyada hai, kyunki Fund A ka riskometer Very High hai. expense ratio ke maamle mein, Fund A ka expense ratio 0.67% hai, jabki Fund B ka expense ratio 0.12% hai. sach ye hai, long-term wealth creation ke liye, Fund A better hai, lekin risk bhi zyada 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
haan, agar aap monthly SIP ke liye fund search kar rahe hain, to consistency aur return stability bhi dekhi jaati hai. Fund A ka 3Y return 17.84% hai, aur 5Y return 17.6% hai, jo ki stable hai. Fund B ka return bhi stable hai, lekin returns thode kam hain. isliye, SIP ke liye, Fund A better hai, kyunki returns zyada hain.
⚠️ Risk & Cost Analysis
risk ke maamle mein, Fund A ka riskometer Very High hai, aur volatility 12.97 hai. Fund B ka riskometer Low hai, aur volatility 0.13 hai. Sharpe ratio ke maamle mein, Fund B ka Sharpe ratio 3.31 hai, jo ki Fund A se zyada hai. expense ratio ke maamle mein, Fund B ka expense ratio 0.12% hai, jo ki Fund A se kam hai. isliye, risk-adjusted returns ke maamle mein, Fund B better hai.
📊 Portfolio Diversification
dekho, asset allocation ke maamle mein, Fund A ka 97% investment Equity mein hai, aur 3% T-Bills mein hai. Fund B ka 65% investment T-Bills mein hai, 20% CD mein hai, 10% CP mein hai, aur 5% Cash mein hai. top holdings ke maamle mein, Fund A ka concentration zyada hai, kyunki top 3 holdings mein 17.2% investment hai. Fund B ka concentration kam hai, kyunki top 3 holdings mein 22.5% investment hai. isliye, diversification ke maamle mein, Fund B better hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Tata Mutual Fund Liquid Fund
₹867076.87
@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?
haan, Fund A ka 5Y return 17.6% hai, aur 3Y return 17.84% hai, jo ki Fund B se zyada hai.
Q2: Is the higher risk fund worth it?
sach ye hai, higher risk fund, Fund A, ka Sharpe ratio 0.87 hai, jo ki Fund B se kam hai. lekin, returns bhi zyada hain. isliye, agar aap risk le sakte hain, to Fund A better hai.
Q3: Which fund is more cost‑effective?
dekho, Fund B ka expense ratio 0.12% hai, jo ki Fund A se kam hai. isliye, Fund B 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