HDFC Mid Cap Fund vs Franklin Templeton Flexi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
22.29%
3Y Return
14.63%
Chaliye, dekho, we are comparing two popular funds, HDFC Mid Cap Fund Direct Plan Growth and Franklin Templeton Flexi Cap Fund Direct Plan Growth. Both funds are categorized as high-risk investments, but which one offers better long-term returns? In this article, we will help you decide.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BFranklin Templeton Flexi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Franklin Templeton |
| Category | Mid Cap | Flexi Cap |
| NAV (₹) | 220.36 | 110.79 |
| AUM (₹ Cr) | 9.47 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.96% |
| Riskometer | Very High | Very High |
| Volatility | 17.17 | 14.27 |
| Sharpe Ratio | 0.92 | 0.57 |
| 1 Year Return (%) | 5.95% | -2.38% |
| 3 Year Return (%) | 22.29% | 14.63% |
| 5 Year Return (%) | 20.24% | 12.31% |
| Since Launch (%) | 17.1% | 14.46% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Anand Radhakrishnan (3.5 years yrs) |
| Benchmark | Nifty Midcap 150 TRI | Nifty 500 TRI |
| Top 3 Holdings | Max Financial Services Ltd. (4.37%), AU Small Finance Bank Ltd. (4.24%), The Federal Bank Ltd. (3.87%) | HDFC Bank Ltd. (8.2%), ICICI Bank Ltd. (6.9%), Infosys Ltd. (5.5%) |
| Asset Allocation | Equity: 93.46% | Equity: 95.00% | T-Bills: 5.00% |
| Portfolio Turnover | 13% | 48% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, we consider 3Y return, expense ratio, and risk. Based on these parameters, HDFC Mid Cap Fund Direct Plan Growth emerges as the clear winner. Its 3Y return is 22.29%, which is significantly higher than Franklin Templeton Flexi Cap Fund's 14.63%. Additionally, HDFC Mid Cap Fund has a lower expense ratio of 0.73%, making it a more cost-effective option.
Why consider HDFC Mid Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 22.29%
- AUM: 9.47 Lac Cr
- Sharpe Ratio: 0.92
Why consider Franklin Templeton Flexi Cap Fund?
- Expense ratio: 0.96%
- 3Y return: 14.63%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.57
📈 SIP Suitability
Haan, both funds are suitable for a monthly SIP for 10+ years, but HDFC Mid Cap Fund is more consistent in its returns. Its 1Y return is 5.95%, which is higher than Franklin Templeton Flexi Cap Fund's negative 2.38%. This indicates that HDFC Mid Cap Fund is less volatile and offers more stable returns, making it a better choice for SIP investors.
⚠️ Risk & Cost Analysis
Lekin, when we compare riskometer, volatility, Sharpe ratio, and expense ratio, Franklin Templeton Flexi Cap Fund seems to offer better risk-adjusted returns. Its Sharpe ratio is 0.57, which is higher than HDFC Mid Cap Fund's 0.92, indicating that it has performed better in terms of risk-adjusted returns. However, HDFC Mid Cap Fund has a lower expense ratio, making it a more cost-effective option.
📊 Portfolio Diversification
Dekho, HDFC Mid Cap Fund has a more concentrated portfolio with top 3 holdings making up 12.48% of the total assets, whereas Franklin Templeton Flexi Cap Fund's top 3 holdings make up 20.6%. This indicates that HDFC Mid Cap Fund has a more diversified portfolio, which reduces sector risk. Additionally, HDFC Mid Cap Fund has a lower asset allocation in equity, making it a more conservative option.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
Franklin Templeton Flexi Cap Fund
₹1361937.60
@14.6% 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 Mid Cap Fund Direct Plan Growth gives better returns in the long run with a 5Y return of 20.24% compared to Franklin Templeton Flexi Cap Fund's 12.31%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund, Franklin Templeton Flexi Cap Fund, may not be worth it as its volatility is higher (14.27) compared to HDFC Mid Cap Fund (17.17), and its Sharpe ratio is lower (0.57) compared to HDFC Mid Cap Fund (0.92).
Q3: Which fund is more cost-effective?
HDFC Mid Cap Fund Direct Plan Growth is more cost-effective with an expense ratio of 0.73% compared to Franklin Templeton Flexi Cap Fund's 0.96%.
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