HDFC 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
6.83%
3Y Return
25.15%
Agar aapko pata hai ki aapke paas kam se kam 5 saal ke investment period hai, to yeh article aapko kisi bhi investment ke liye sahi fund chunne mein madad kar sakta hai. Aaj hum do alag funds ke beech ka comparison karenge - HDFC Liquid Fund aur Nippon India Growth Mid Cap Fund. Ye dono funds alag-alag risk level aur investment objectives ke liye hi hai, lekin kya yeh dono funds aapke liye sahi option hai, yeh dekhna hoga.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BNippon India Growth Mid Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Nippon India |
| Category | Liquid | Mid Cap |
| NAV (₹) | 5466.12 | 4845.02 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.58 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.26% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 15.97 |
| Sharpe Ratio | 3 | 1.17 |
| 1 Year Return (%) | 6.08% | 10.17% |
| 3 Year Return (%) | 6.83% | 25.15% |
| 5 Year Return (%) | 6.01% | 22.32% |
| Since Launch (%) | 34.46% | 18.36% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Amber Singhania; Kinjal Desai; Rupesh Patel (8.0 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | BSE Ltd. (4.21%), Fortis Healthcare Ltd. (2.76%), The Federal Bank Ltd. (2.57%) |
| Asset Allocation | CP: 47.67% | CD: 31.92% | T-Bills: 19.85% | Debenture: 2.05% | Bonds/NCD: 0.13% | Debt: 0.06% | SDL: 0.04% | Equity: 98.55% |
| Portfolio Turnover | 203% | 74% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, kuch factors ka dhyan dena zaroori hai - 3Y return, expense ratio, aur riskometer. Nippon India Growth Mid Cap Fund ka 3Y return 25.15% hai, jiska matlab hai ki yeh fund bahut achha performance ke liye jaana jaata hai. Lekin, iska expense ratio 1.26% hai, jiska matlab hai ki yeh fund adhik expensive hai. HDFC Liquid Fund ka expense ratio 0.2% hai, jo bahut kam hai. Kya aap risk se behtar returns ki zaroorat hai, ya phir kam expense ratio ki zaroorat hai? Isse pata chalta hai ki Nippon India Growth Mid Cap Fund long-term wealth creation ke liye better fund hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
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, kuch factors ka dhyan dena zaroori hai - consistency aur return stability. HDFC Liquid Fund ka 1Y return 6.08% hai, jiska matlab hai ki yeh fund consistent returns deta hai. Nippon India Growth Mid Cap Fund ka 1Y return 10.17% hai, jiska matlab hai ki yeh fund adhik consistent returns deta hai. Lekin, Nippon India Growth Mid Cap Fund ka riskometer bahut high hai, jiska matlab hai ki yeh fund adhik risk hai. Agar aapka investment period 10+ saal ka hai, to HDFC Liquid Fund SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke mukabale, HDFC Liquid Fund better fund hai. HDFC Liquid Fund ka riskometer low hai, jiska matlab hai ki yeh fund kam risk hai. Nippon India Growth Mid Cap Fund ka riskometer very high hai, jiska matlab hai ki yeh fund adhik risk hai. HDFC Liquid Fund ka Sharpe ratio 3 hai, jiska matlab hai ki yeh fund risk-adjusted returns deta hai. Nippon India Growth Mid Cap Fund ka Sharpe ratio 1.17 hai, jiska matlab hai ki yeh fund adhik risk-adjusted returns nahi deta hai. HDFC Liquid Fund ka expense ratio 0.2% hai, jiska matlab hai ki yeh fund kam expensive hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke mukabale, HDFC Liquid Fund better fund hai. HDFC Liquid Fund ka asset allocation CP, CD, T-Bills, aur debt me hai, jiska matlab hai ki yeh fund diversified hai. Nippon India Growth Mid Cap Fund ka asset allocation equity me hai, jiska matlab hai ki yeh fund adhik concentrated hai. HDFC Liquid Fund ka top 3 holdings RBI, RBI, aur RBI me hai, jiska matlab hai ki yeh fund diversified hai. Nippon India Growth Mid Cap Fund ka top 3 holdings BSE Ltd., Fortis Healthcare Ltd., aur The Federal Bank Ltd. me hai, jiska matlab hai ki yeh fund adhik concentrated hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% 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?
Nippon India Growth Mid Cap Fund ka 5Y return 22.32% hai, jiska matlab hai ki yeh fund long run me better returns dete hai. HDFC Liquid Fund ka 5Y return 6.01% hai, jiska matlab hai ki yeh fund long run me kam returns dete hai.
Q2: Is the higher risk fund worth it?
Nippon India Growth Mid Cap Fund ka riskometer very high hai, jiska matlab hai ki yeh fund adhik risk hai. HDFC Liquid Fund ka riskometer low hai, jiska matlab hai ki yeh fund kam risk hai. Sharpe ratio ke mukabale, HDFC Liquid Fund better fund hai, jiska matlab hai ki yeh fund risk-adjusted returns dete hai.
Q3: Which fund is more cost-effective?
HDFC Liquid Fund ka expense ratio 0.2% hai, jiska matlab hai ki yeh fund kam expensive hai. Nippon India Growth Mid Cap Fund ka expense ratio 1.26% hai, jiska matlab hai ki yeh fund adhik expensive hai. Isse pata chalta hai ki HDFC Liquid Fund more cost-effective fund 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