Groww 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
6.93%
3Y Return
6.96%
Kya aapko pata hai ki aapke paas kai liquid funds hai jisse aap apne cash ke liye invest kar sakte hain. Aaj mein aapko do famous liquid funds ke beech ka comparison karunga - Groww Mutual Fund Liquid Fund aur Nippon India Liquid Fund. Dekho iske 3Y aur 5Y return ke beech kya farq hai.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | Nippon India |
| Category | Liquid Fund | Liquid |
| NAV (₹) | 5622.79 | 6813.87 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.2% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3.91 | 3.83 |
| 1 Year Return (%) | 6.17% | 6.21% |
| 3 Year Return (%) | 6.93% | 6.96% |
| 5 Year Return (%) | 6.11% | 6.14% |
| Since Launch (%) | 50.63% | 6.87% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 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 | 203% | 260% |
🤖 AI Verdict – Which is Better?
Mere paas data hai ki Fund A ka 3Y return 6.93% hai, lekin Fund B ka 3Y return 6.96% hai. Haan, Fund B ka expense ratio 0.2% hai, jo Fund A se jyada hai. Lekin, Fund A ka riskometer Low hai aur Sharpe ratio bhi jyada hai. Sach ye hai, Fund A long-term wealth creation ke liye better hai.
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 Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
Ab pata hai ki Fund A ka 1Y return 6.17% hai, jo Fund B se kam hai. Lekin, Fund A ka 3Y return 6.93% hai, jo Fund B se jyada hai. Chaliye, Fund A isliye accha hai SIP ke liye ki yeh consistent returns deti hai aur risk bhi kam hai.
⚠️ Risk & Cost Analysis
Riskometer se pata chalta hai ki dono funds Low Risk ke under hai. Lekin, Fund A ka volatility 0.11% hai, jo Fund B se kam hai. Sharpe ratio se pata chalta hai ki Fund A better risk-adjusted returns deti hai. Isliye, Fund A better hai risk aur cost analysis ke liye.
📊 Portfolio Diversification
Fund A ka asset allocation T-Bills, CD, CP, aur Cash ke liye hai. Fund B ka asset allocation CP, CD, T-Bills, aur Debenture ke liye hai. Dekho, Fund A ka asset allocation thoda hi diversified hai. Fund B ka asset allocation thoda hi concentration hai. Isliye, Fund A better hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Fund A ka 5Y return 6.11% hai, jo Fund B se kam hai. Lekin, Fund A ka 3Y return 6.93% hai, jo Fund B se jyada hai. Isliye, Fund B better hai long-term returns ke liye.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 0.12% hai, jo Fund A se jyada hai. Lekin, Fund B ka Sharpe ratio 3.83 hai, jo Fund A se kam hai. Isliye, Fund A better hai risk aur returns ke liye.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.12% hai, jo Fund B se kam hai. Isliye, Fund A better hai cost-effectiveness ke liye.
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