Groww Mutual Fund Liquid Fund vs Nippon India Growth Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
25.15%
Aapke paas do fund hain, ek Liquid Fund aur ek Mid Cap Fund. Ye don't hai ek dusre ka direct match, lekin humne unki comparison karne ke liye fund A aur fund B ke beech ka comparison kiya hai.
Is article mein, hum fund A aur fund B ke beech ka comparison karenge, jisse aapko pata chale ga ki aapke paas kis fund ka invest karna hai.
Chaliye, hum shuru karte hain.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BNippon India Growth Mid Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | Nippon India |
| Category | Liquid Fund | Mid Cap |
| NAV (₹) | 5622.79 | 4845.02 |
| AUM (₹ Cr) | 4.60 Lac Cr | 4.58 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.26% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 15.97 |
| Sharpe Ratio | 3.91 | 1.17 |
| 1 Year Return (%) | 6.17% | 10.17% |
| 3 Year Return (%) | 6.93% | 25.15% |
| 5 Year Return (%) | 6.11% | 22.32% |
| Since Launch (%) | 50.63% | 18.36% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Amber Singhania; Kinjal Desai; Rupesh Patel (8.0 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | BSE Ltd. (4.21%), Fortis Healthcare Ltd. (2.76%), The Federal Bank Ltd. (2.57%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 98.55% |
| Portfolio Turnover | 203% | 74% |
🤖 AI Verdict – Which is Better?
Long-term mein wealth creation ke liye, fund B ka 3Y return 25.15% hai, jo fund A ka 3Y return 6.93% se bahut upar hai. Expense ratio ke maadhyam se bhi fund B upar hai. Lekin riskometer ke maadhyam se fund B bahut high risk hai. Haan, fund A ka riskometer low hai lekin long-term mein wealth creation ke liye fund B upar hai.
Sach ye hai, fund B long-term mein wealth creation ke liye upar hai, lekin aapko apne risk tolerance ke aadhar par nirnay lena hoga.
Why consider Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
Why consider Nippon India Growth Mid Cap Fund?
- Expense ratio: 1.26%
- 3Y return: 25.15%
- AUM: 4.58 Lac Cr
- Sharpe Ratio: 1.17
📈 SIP Suitability
Monthly SIP ke liye, fund A ka 1Y return 6.17% hai aur fund B ka 10.17% hai. Fund A ka return stability upar hai, lekin fund B ka return consistency upar hai.
Haan, fund A ka return stability upar hai, lekin fund B ka return consistency upar hai. Lekin aapko apne risk tolerance ke aadhar par nirnay lena hoga.
⚠️ Risk & Cost Analysis
Volatility ke maadhyam se fund B ka risk upar hai, lekin Sharpe ratio ke maadhyam se fund A ka risk-adjusted return upar hai. Expense ratio ke maadhyam se fund B ka cost upar hai.
Haan, fund A ka risk-adjusted return upar hai, lekin fund B ka cost upar hai. Lekin aapko apne risk tolerance ke aadhar par nirnay lena hoga.
📊 Portfolio Diversification
Fund A ka asset allocation 65% T-Bills, 20% CD, 10% CP aur 5% cash hai, jo bahut diversified hai. Fund B ka asset allocation 98.55% equity hai, jo bahut high risk hai.
Haan, fund A ka asset allocation bahut diversified hai, lekin fund B ka asset allocation bahut high risk hai. Lekin aapko apne risk tolerance ke aadhar par nirnay lena hoga.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Nippon India Growth Mid Cap Fund
₹2691264.97
@25.1% 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?
Fund B ka 5Y return 22.32% hai, jo fund A ka 5Y return 6.11% se bahut upar hai.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 15.97 hai, jo fund A ka volatility 0.11 se bahut upar hai. Lekin fund A ka Sharpe ratio 3.91 hai, jo fund B ka Sharpe ratio 1.17 se bahut upar hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.12% hai, jo fund B ka expense ratio 1.26% se bahut upar 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