Axis Liquid Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
6.96%
Chaliye, aaj hum do fundon ki tulna karne jaa rahe hain - Axis Liquid Fund aur Nippon India Liquid Fund. Ye donon fund liquid category mein aate hain aur short-term investment ke liye upyukt hain. Dekho, hum aapko pata lagaayenge ki aapko jis fund mein investment karna chahiye aur kyun.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | Nippon India |
| Category | Liquid | Liquid |
| NAV (₹) | 3096.85 | 6813.87 |
| AUM (₹ Cr) | 5.16 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.2% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 4.36 | 3.83 |
| 1 Year Return (%) | 6.25% | 6.21% |
| 3 Year Return (%) | 6.98% | 6.96% |
| 5 Year Return (%) | 6.17% | 6.14% |
| Since Launch (%) | 6.86% | 6.87% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | CP: 53.47% | CD: 31.44% | T-Bills: 11.86% | Debenture: 0.88% | Money Mkt: 0.39% | Bonds/NCD: 0.28% | NCD: 0.24% | Debt: 0.09% | IRS: 0.0% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 207% | 260% |
🤖 AI Verdict – Which is Better?
Haan, hum sochta hoon ki 3Y return, expense ratio aur risk ke madhyam se hum kis fund ko better mana sakte hain. Axis Liquid Fund 3Y mein 6.98% return deta hai, jabki Nippon India Liquid Fund 6.96% return deta hai. Expense ratio ke maamle mein, Axis Liquid Fund 0.11% hai, jabki Nippon India Liquid Fund 0.2% hai. Riskometer ke madhyam se bhi, dono fund low risk hain. Lekin, Sharpe ratio se dekha jaye, to Axis Liquid Fund 4.36 hai, jabki Nippon India Liquid Fund 3.83 hai. To, hum sochta hoon ki Axis Liquid Fund long-term wealth creation ke liye better option hai.
Why consider Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
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
SIP suitabiliti ke madhyam se dekha jaye, to hum sochta hoon ki Axis Liquid Fund monthly SIP ke liye better option hai. Iska reason hai ki Axis Liquid Fund ki 3Y mein return consistent hai aur risk bhi kam hai. Nippon India Liquid Fund ki return bhi consistent hai, lekin risk thoda zyada hai.
⚠️ Risk & Cost Analysis
Risk & cost analysis ke madhyam se dekha jaye, to hum sochta hoon ki Axis Liquid Fund better option hai. Iska reason hai ki Axis Liquid Fund ki volatility 0.11 hai, jabki Nippon India Liquid Fund ki volatility 0.12 hai. Sharpe ratio ke madhyam se bhi, Axis Liquid Fund better hai. Expense ratio ke madhyam se, Axis Liquid Fund 0.11% hai, jabki Nippon India Liquid Fund 0.2% hai. To, hum sochta hoon ki Axis Liquid Fund risk-adjusted returns ke madhyam se better hai.
📊 Portfolio Diversification
Portfolio diversification ke madhyam se dekha jaye, to hum sochta hoon ki Axis Liquid Fund asset allocation ke madhyam se better hai. Iska reason hai ki Axis Liquid Fund ki asset allocation CP, CD, T-Bills ke aaspaas hi hai. Nippon India Liquid Fund ki asset allocation bhi similar hai, lekin T-Bills ki allocation thoda zyada hai. Top holdings concentration ke madhyam se bhi, Axis Liquid Fund better hai. Iska reason hai ki Axis Liquid Fund ki top holdings Reserve Bank of India, National Bank For Agriculture & Rural Development, Reliance Jio Infocomm Ltd. hain, jabki Nippon India Liquid Fund ki top holdings Reserve Bank of India, Reserve Bank of India, National Bank For Agriculture & Rural Development hain. To, hum sochta hoon ki Axis Liquid Fund portfolio diversification ke madhyam se better hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% 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.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
sach ye hai ki Axis Liquid Fund 5Y mein 6.17% return deta hai, jabki Nippon India Liquid Fund 6.14% return deta hai. To, hum sochta hoon ki Axis Liquid Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, dono fund low risk hain, lekin Axis Liquid Fund ki volatility 0.11 hai, jabki Nippon India Liquid Fund ki volatility 0.12 hai. Sharpe ratio ke madhyam se bhi, Axis Liquid Fund better hai. To, hum sochta hoon ki Axis Liquid Fund higher risk fund ke liye better option hai.
Q3: Which fund is more cost-effective?
Haan, Axis Liquid Fund expense ratio 0.11% hai, jabki Nippon India Liquid Fund expense ratio 0.2% hai. To, hum sochta hoon ki Axis Liquid 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