Angel One Mutual Fund Liquid Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
6.96%
Dekho, aap logon mein se kai aapne apne aarambhik vittiya vikaas ke liye liquid funds ki madad li hai. Aaj hum do aam liquid funds ka mukhya bhaag uthaaenge: Angel One Mutual Fund Liquid Fund aur Nippon India Liquid Fund. Chaliye, aaj hum dono fundon ke beech ki tulna karte hain aur dekhenge ki kis fund mein aapko lagana chahiye.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Nippon India |
| Category | Liquid Fund | Liquid |
| NAV (₹) | 2132.04 | 6813.87 |
| AUM (₹ Cr) | 4.67 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.2% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 2.36 | 3.83 |
| 1 Year Return (%) | 6.03% | 6.21% |
| 3 Year Return (%) | 6.76% | 6.96% |
| 5 Year Return (%) | 5.95% | 6.14% |
| Since Launch (%) | 6.23% | 6.87% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 221% | 260% |
🤖 AI Verdict – Which is Better?
Haan, aaj hum dono fundon ka mukhya verdict lete hain. Dekho, 3 saal ke return, expense ratio aur risk ke dhyan mein dekha jaata hai. Nippon India Liquid Fund ka 3 saal ka return 6.96% hai, jo ki Angel One Mutual Fund Liquid Fund ka 6.76% se adhik hai. Lekin, expense ratio mein Nippon India Liquid Fund ki ghata hai, jo ki 0.2% hai, jabki Angel One Mutual Fund Liquid Fund ki expense ratio 0.12% hai. Sach ye hai, dono fundon ka riskometer low hai, lekin Nippon India Liquid Fund ka Sharpe ratio 3.83 hai, jo ki Angel One Mutual Fund Liquid Fund ka 2.36 se adhik hai.
Why consider Angel One Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
Why consider Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
Dono fundon mein aap SIP kar sakte hain, lekin Nippon India Liquid Fund ka consistency aur return stability kaafi accha hai. Nippon India Liquid Fund ka 5 saal ka return 6.14% hai, jo ki Angel One Mutual Fund Liquid Fund ka 5.95% se adhik hai. Lekin, dono fundon ka riskometer low hai, lekin Nippon India Liquid Fund ka Sharpe ratio 3.83 hai, jo ki Angel One Mutual Fund Liquid Fund ka 2.36 se adhik hai.
⚠️ Risk & Cost Analysis
Dono fundon ka riskometer low hai, lekin Nippon India Liquid Fund ka Sharpe ratio 3.83 hai, jo ki Angel One Mutual Fund Liquid Fund ka 2.36 se adhik hai. Lekin, expense ratio mein Nippon India Liquid Fund ki ghata hai, jo ki 0.2% hai, jabki Angel One Mutual Fund Liquid Fund ki expense ratio 0.12% hai. Volatility mein bhi Nippon India Liquid Fund ka 0.12 hai, jo ki Angel One Mutual Fund Liquid Fund ka 0.11 se adhik hai.
📊 Portfolio Diversification
Angel One Mutual Fund Liquid Fund ka asset allocation T-Bills, CD, CP aur cash mein hai, jo ki Nippon India Liquid Fund ka asset allocation CP, CD, T-Bills, Debenture, SDL aur Debt mein hai. Nippon India Liquid Fund ka asset allocation kaafi vastavik hai, lekin Angel One Mutual Fund Liquid Fund ka asset allocation thoda adhik vastavik hai. Lekin, Nippon India Liquid Fund ka top 3 holdings Reserve Bank of India, Reserve Bank of India aur National Bank For Agriculture & Rural Development mein hai, jo ki Angel One Mutual Fund Liquid Fund ka top 3 holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein hai.
Q1: Which fund gives better returns in the long run?
Nippon India Liquid Fund ka 5 saal ka return 6.14% hai, jo ki Angel One Mutual Fund Liquid Fund ka 5.95% se adhik hai.
Q2: Is the higher risk fund worth it?
Nippon India Liquid Fund ka Sharpe ratio 3.83 hai, jo ki Angel One Mutual Fund Liquid Fund ka 2.36 se adhik hai, lekin Nippon India Liquid Fund ka volatility 0.12 hai, jo ki Angel One Mutual Fund Liquid Fund ka 0.11 se adhik hai.
Q3: Which fund is more cost-effective?
Angel One Mutual Fund Liquid Fund ki expense ratio 0.12% hai, jo ki Nippon India Liquid Fund ki expense ratio 0.2% se thodi kam hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@7.0% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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