Two funds walk into a table. Only the numbers talk.
HDFC Flexi Cap Fund vs Bank of India Flexi Cap Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- AHDFC Flexi Cap Fund
HDFC Mutual Fund- Flexi Cap Fund
- Direct plan
- Very High Risk
NAV ₹2,363.76 on 13 Nov 2026
- BBank of India Flexi Cap Fund
Bank of India Mutual Fund- Flexi Cap Fund
- Direct plan
- Very High Risk
NAV ₹43.31 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 5 years all of them have been around.
Grew faster
AHDFC Flexi Cap Fund
HDFC Flexi Cap Fund returned 16.7% a year over 5 years, against 16% for Bank of India Flexi Cap Fund. ₹1 lakh invested 5 years ago would be about ₹2.16 Lakh today, against ₹2.1 Lakh.
Smoother ride
AHDFC Flexi Cap Fund
HDFC Flexi Cap Fund swung the least: about 12.2% a year either way, against 17.7% for Bank of India Flexi Cap Fund. Lower means fewer scary days.
Fell less in a crash
No fair winner yet
At its worst, Bank of India Flexi Cap Fund fell 23.7% from its peak, against 41.8% for HDFC Flexi Cap Fund. On ₹1 lakh, that's a dip to ₹58,161 at the bottom for HDFC Flexi Cap Fund. Could you have held on?
Not a fair fight: we only have data for Bank of India Flexi Cap Fund (from Jul 2020), so it has not been through the 2020 crash the others fell in.
Costs less
AHDFC Flexi Cap Fund
HDFC Flexi Cap Fund charges 0.77% a year, against 0.85% for Bank of India Flexi Cap Fund. On ₹1 lakh that's ₹770 a year against ₹850, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- AHDFC Flexi Cap Fund₹22,175 from ₹10,000(17.3% a year)
- BBank of India Flexi Cap Fund₹21,367 from ₹10,000(16.4% a year)
A one-time ₹10,000 put in 5 years ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
AHDFC Flexi Cap Fund
- Strength: Ahead of its category: 16.7% a year over 5 years, against a category average of 11.1%
- Strength: In the top quarter of its category over 5 years (#1 of 27)
- Strength: Beat a 5-year SBI FD: 16.7% a year over 5 years, against 6.05%
- Strength: Swings less than most funds in its category
- Watch out: Fell harder than its category in the worst crash
BBank of India Flexi Cap Fund
- Strength: Ahead of its category: 16% a year over 5 years, against a category average of 11.1%
- Strength: In the top quarter of its category over 5 years (#2 of 27)
- Strength: Beat a 5-year SBI FD: 16% a year over 5 years, against 6.05%
- Watch out: Swings more than most funds in its category
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | AHDFC Flexi Cap Fund | BBank of India Flexi Cap Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 4.4%#23 of 42 · avg 4.6% | 11.3%Best#2 of 42 · avg 4.6% |
| 3 yearsPer year, over a full market mood swing | 17.7%#6 of 36 · avg 14.1% | 18.7%Best#2 of 36 · avg 14.1% |
| 5 yearsPer year, the fairest single test | 16.7%Best#1 of 27 · avg 11.1% | 16%#2 of 27 · avg 11.1% |
| 10 yearsPer year, across bull and bear markets | 16.6%#4 of 18 · avg 14.6% | – |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 12.2%Bestcategory avg 14.5% | 17.7%category avg 14.5% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −41.8%category avg −26.3% | −23.7%data from 1 Jul 2020 only |
| Best 12 monthsIts strongest year | 99.6% | 82.2%data from 1 Jul 2020 only |
| Worst 12 monthsIts weakest year | -38.2% | -7.5%data from 1 Jul 2020 only |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 84% | 85%data from 1 Jul 2020 only |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 0.77%Best | 0.85% |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹1.09 lakh Cr | ₹3,098 Cr |
| Minimum SIPSmallest monthly amount | ₹100Best | ₹1,000 |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
AHDFC Flexi Cap Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
- a smoother ride matters more to you than the top return
- you care about keeping costs low, which adds up over decades
BBank of India Flexi Cap Fund
Might suit you if…
- you prefer its fund house or approach. On these numbers it is not the stand-out on any one measure