HDFC Mid Cap Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
22.29%
3Y Return
16.22%
Ab yahaan hum do fundon ke beech ka tulna karne ja rahe hain - HDFC Mid Cap Fund aur HDFC ELSS Tax Saver Fund. Ye dono fund mid cap aur ELSS category mein aate hain. Aaj hum dekhein ki in dono fundon ke beech kya aisa hai aur kis fund mein investment karne ke liye kya faayda hoga.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Mid Cap | ELSS |
| NAV (₹) | 220.36 | 1325.00 |
| AUM (₹ Cr) | 9.47 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.73% | 1.24% |
| Riskometer | Very High | Very High |
| Volatility | 17.17 | 13.3 |
| Sharpe Ratio | 0.92 | 0.73 |
| 1 Year Return (%) | 5.95% | -5.24% |
| 3 Year Return (%) | 22.29% | 16.22% |
| 5 Year Return (%) | 20.24% | 16.62% |
| Since Launch (%) | 17.1% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 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%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | Equity: 93.46% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 13% | 32% |
🤖 AI Verdict – Which is Better?
Haan, sach ye hai ki long-term wealth creation ke liye Fund A bhi ek accha chunaav hai. Iska 3Y return 22.29% hai, jo ki Fund B ke 16.22% se adhik hai. Lekin expense ratio ke liye Fund B kam hai, 1.24% hain. Riskometer bhi dono fundon ke liye Very High hai, lekin Fund B ka Sharpe ratio 0.73 hai, jo ki Fund A ke 0.92 se kam hai. Dekho, Fund B mein investment karne se aapko thoda jyada cost aayega, lekin risk bhi kam hogi.
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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP ke liye Fund A bhi ek accha chunaav hai. Iska 3Y return 22.29% hai, jo ki Fund B ke 16.22% se adhik hai. Chaliye fund ki consistency aur return stability ke liye dekhein. Fund A ka 1Y return 5.95% hai, jo ki Fund B ke -5.24% se adhik hai. Isliye Fund A SIP ke liye aasan hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio ke liye Fund A aur Fund B ka comparison karein. Fund A ka riskometer Very High hai, lekin volatility 17.17 hai, jo ki Fund B ke 13.3 se adhik hai. Lekin Sharpe ratio ke liye Fund A 0.92 hai, jo ki Fund B ke 0.73 se kam hai. Expense ratio ke liye Fund B kam hai, 1.24% hain. Dekho, Fund A mein investment karne se aapko thoda jyada risk aayega, lekin cost bhi kam hoga.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye Fund A aur Fund B ka comparison karein. Fund A ka asset allocation Equity mein 93.46% hai, jo ki Fund B ke 96.57% se kam hai. Top holdings concentration ke liye Fund A ka Max Financial Services Ltd. 4.37% hai, jo ki Fund B ke ICICI Bank Ltd. 8.93% se adhik hai. Isliye Fund A mein asset allocation bhi kam hai. Chaliye sector risk ke liye dekhein. Fund A mein Max Financial Services Ltd. aur AU Small Finance Bank Ltd. hai, jo ki Fund B mein ICICI Bank Ltd. aur HDFC Bank Ltd. hai. Isliye Fund A mein sector risk bhi kam hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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?
Answer: Fund A ka 5Y return 20.24% hai, jo ki Fund B ke 16.62% se adhik hai. Isliye Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Answer: Haan, Fund A ka Sharpe ratio 0.92 hai, jo ki Fund B ke 0.73 se adhik hai. Isliye Fund A mein risk bhi adhik hai, lekin return bhi adhik hoga. Dekho, aapko thoda jyada risk lena hai, to Fund A chun sakte hain.
Q3: Which fund is more cost-effective?
Answer: Fund B ka expense ratio 1.24% hai, jo ki Fund A ke 0.73% se kam hai. Isliye Fund B cost-effective hai. Lekin dekho, aapko Fund A mein investment karne se thoda jyada cost aayega, lekin return bhi adhik hoga.
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