HDFC Flexi Cap Fund vs UTI 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 funds ki comparison ki hai - HDFC Flexi Cap Fund aur UTI Mutual Fund Liquid Fund. inmein se ek multi cap fund hai aur doosra liquid fund. chaliye, ye jaante hai ki kaunsa fund aapke liye better hai. hum is article mein inki returns, risk, aur expenses ki comparison karenge.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | UTI Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 5622.79 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.11 |
| Sharpe Ratio | 0.87 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
haan, long-term wealth creation ke liye HDFC Flexi Cap Fund behtar hai kyunki uska 3Y return 17.84% hai, jo UTI Mutual Fund Liquid Fund se zyada hai. lekin, risk bhi very high hai, toh investors ko saavdhan rehna chahiye. expense ratio bhi 0.67% hai, jo thoda high 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
sach ye hai ki HDFC Flexi Cap Fund ko 10+ years ke liye SIP mein nivesh karna behtar hai kyunki uska return stability aur consistency acchi hai. UTI Mutual Fund Liquid Fund ko short-term nivesh ke liye better mana jata hai.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se UTI Mutual Fund Liquid Fund ka risk low hai, lekin volatility bhi bahut kam hai. HDFC Flexi Cap Fund ka risk very high hai, lekin Sharpe ratio 0.87 hai, jo thoda kam hai. expense ratio mein UTI Mutual Fund Liquid Fund behtar hai kyunki uska expense ratio 0.12% hai.
📊 Portfolio Diversification
chaliye, asset allocation ki baat karte hai. HDFC Flexi Cap Fund mein 97% nivesh equity mein hai, jo thoda risky hai. UTI Mutual Fund Liquid Fund mein 65% nivesh T-Bills mein hai, jo relatively safe hai. top holdings ki baat karein to HDFC Flexi Cap Fund mein HDFC Bank Ltd. aur ICICI Bank Ltd. ka concentration zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
UTI 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 UTI Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Flexi Cap Fund ka higher risk worth it ho sakta hai kyunki uska Sharpe ratio 0.87 hai, jo thoda kam hai, lekin volatility 12.97 hai, jo zyada hai.
Q3: Which fund is more cost‑effective?
UTI Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund se kam hai, isliye ye 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