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 alag-alag category ke funds ki comparison ki hai - HDFC Flexi Cap Fund, jo ek Multi Cap fund hai, aur UTI Mutual Fund Liquid Fund, jo ek Liquid Fund hai. chaliye, aage hum is post mein in dono funds ke returns, risk, aur expense ratio ki detail mein comparison karenge, jisse aapko pata chale ki kaunsa fund aapke long-term wealth creation ke liye better hai.
| 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, agar hum 3Y return, expense ratio, aur risk ko dekhein, to HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo UTI Mutual Fund Liquid Fund ke 6.93% se zyada hai, lekin risk bhi zyada hai. lehkin, expense ratio mein UTI Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund ke 0.67% se kam hai. sach ye hai ki, long-term wealth creation ke liye HDFC Flexi Cap Fund 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
chaliye, SIP suitability ki baat karte hain, to dekho, HDFC Flexi Cap Fund ka 5Y return 17.6% hai, jo UTI Mutual Fund Liquid Fund ke 6.11% se zyada hai. isliye, agar aap 10+ years ke liye monthly SIP kar rahe hain, to HDFC Flexi Cap Fund better hai.
⚠️ Risk & Cost Analysis
dekho, riskometer mein HDFC Flexi Cap Fund ka riskometer Very High hai, aur volatility 12.97 hai, jabki UTI Mutual Fund Liquid Fund ka riskometer Low hai, aur volatility 0.11 hai. sharpe ratio mein UTI Mutual Fund Liquid Fund ka sharpe ratio 3.91 hai, jo HDFC Flexi Cap Fund ke 0.87 se zyada hai. isliye, risk-adjusted returns mein UTI Mutual Fund Liquid Fund better hai.
📊 Portfolio Diversification
chaliye, portfolio diversification ki baat karte hain, to dekho, HDFC Flexi Cap Fund ka asset allocation mein equity 97% hai, jabki UTI Mutual Fund Liquid Fund ka asset allocation mein T-Bills 65% hai. top holdings mein HDFC Flexi Cap Fund ka concentration zyada hai, jabki UTI Mutual Fund Liquid Fund ka concentration kam hai. isliye, diversification mein UTI Mutual Fund Liquid Fund better 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 ke 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Volatility 12.97 hai, aur Sharpe ratio 0.87 hai, jo UTI Mutual Fund Liquid Fund ke 0.11 aur 3.91 se zyada hai, lekin returns bhi 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 ke 0.67% 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