HDFC Mid Cap Fund vs SBI 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
19.98%
Mujhe lagta hai ki aapke paas do fund hain jo Indian investors ke liye acche hain. Ye hai HDFC Mid Cap Fund aur SBI ELSS Tax Saver Fund. Ye dono fund mid cap aur ELSS category mein hain. Aaj humein yeh jaanna hai ki in dono fund ke beech kya antar hai aur kaise humein unka chayan karna chahiye.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Mid Cap | ELSS |
| NAV (₹) | 220.36 | 462.73 |
| AUM (₹ Cr) | 9.47 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.93% |
| Riskometer | Very High | Very High |
| Volatility | 17.17 | 15.53 |
| Sharpe Ratio | 0.92 | 0.87 |
| 1 Year Return (%) | 5.95% | -1.1% |
| 3 Year Return (%) | 22.29% | 19.98% |
| 5 Year Return (%) | 20.24% | 17.91% |
| Since Launch (%) | 17.1% | 15.42% |
| 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) | Milind Agrawal (0.4 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. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | Equity: 93.46% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 13% | 37% |
🤖 AI Verdict – Which is Better?
Haan, ab humein yeh jaanna hai ki kis fund mein long-term wealth creation ke liye invest karna chahiye. Dekho, HDFC Mid Cap Fund ka 3Y return 22.29% hai, jabki SBI ELSS Tax Saver Fund ka 3Y return 19.98% hai. Expense ratio bhi HDFC Mid Cap Fund mein kam hai, 0.73% hi. Riskometer bhi dono fund mein high hai, lekin HDFC Mid Cap Fund ka sharpe ratio bhi high hai, 0.92. To, HDFC Mid Cap Fund mein long-term wealth creation ke liye invest karna chahiye.
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 SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
Chaliye, ab humein yeh jaanna hai ki SIP ke liye kis fund mein invest karna chahiye. Dekho, HDFC Mid Cap Fund ka 5Y return 20.24% hai, jabki SBI ELSS Tax Saver Fund ka 5Y return 17.91% hai. Consistency ke liye bhi HDFC Mid Cap Fund better hai. To, SIP ke liye HDFC Mid Cap Fund mein invest karna chahiye.
⚠️ Risk & Cost Analysis
Aapne dekha hoga ki dono fund mein riskometer high hai, lekin HDFC Mid Cap Fund ka volatility 17.17 hai, jabki SBI ELSS Tax Saver Fund ka volatility 15.53 hai. Sharpe ratio bhi HDFC Mid Cap Fund mein high hai, 0.92. Expense ratio bhi HDFC Mid Cap Fund mein kam hai, 0.73%. To, HDFC Mid Cap Fund mein better risk-adjusted returns milenge.
📊 Portfolio Diversification
Asset allocation ke liye, HDFC Mid Cap Fund mein equity 93.46% hai, jabki SBI ELSS Tax Saver Fund mein equity 96.05% hai. Top holdings concentration bhi HDFC Mid Cap Fund mein kam hai. To, HDFC Mid Cap Fund mein portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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 ka 5Y return 20.24% hai, jabki SBI ELSS Tax Saver Fund ka 5Y return 17.91% hai. To, HDFC Mid Cap Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
HDFC Mid Cap Fund ka volatility 17.17 hai, jabki SBI ELSS Tax Saver Fund ka volatility 15.53 hai. Sharpe ratio bhi HDFC Mid Cap Fund mein high hai, 0.92. To, HDFC Mid Cap Fund mein better risk-adjusted returns milenge.
Q3: Which fund is more cost-effective?
HDFC Mid Cap Fund ka expense ratio 0.73% hai, jabki SBI ELSS Tax Saver Fund ka expense ratio 0.93% hai. To, HDFC Mid Cap 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