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, humne do alag-alag category ke funds ko compare kiya hai - HDFC Flexi Cap Fund aur Tata Mutual Fund Liquid Fund. yeh dono funds alag-alag risk aur return profile ke saath aate hain. is article mein, hum aapko bataayenge ki kaunsa fund long-term wealth creation ke liye behtar 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?
haan, 3Y return ke basis par, HDFC Flexi Cap Fund behtar hai, jo 17.84% ka return diya hai. lekin, risk bhi very high hai. expense ratio bhi thoda high hai, 0.67%. isliye, hum kehte hain ki HDFC Flexi Cap Fund long-term wealth creation ke liye behtar 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
chaliye, dekhte hain ki kaunsa fund SIP ke liye behtar hai. HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo ki Tata Mutual Fund Liquid Fund se zyada hai. isliye, hum kehte hain ki HDFC Flexi Cap Fund SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
sach ye hai ki HDFC Flexi Cap Fund ka riskometer very high hai, aur volatility 12.97 hai. lekin, Sharpe ratio 0.87 hai, jo ki Tata Mutual Fund Liquid Fund se kam hai. expense ratio bhi 0.67% hai, jo ki Tata Mutual Fund Liquid Fund se zyada hai. isliye, hum kehte hain ki Tata Mutual Fund Liquid Fund risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
dekho, HDFC Flexi Cap Fund ka asset allocation 97% equity hai, aur top 3 holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hain. Tata Mutual Fund Liquid Fund ka asset allocation 65% T-Bills hai, aur top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. isliye, hum kehte hain ki HDFC Flexi Cap Fund thoda less diversified 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?
HDFC Flexi Cap Fund ka 5Y return 17.6% hai, jo ki Tata Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Sharpe ratio ke basis par, Tata Mutual Fund Liquid Fund ka Sharpe ratio 3.31 hai, jo ki HDFC Flexi Cap Fund se zyada hai. isliye, higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
Tata Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund se kam hai. isliye, Tata Mutual Fund Liquid Fund 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