HDFC Liquid Fund vs Nippon India Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
15.4%
Agar aapko paise kharidne ke liye ek fund chunna hai, to yeh article aapke liye upyukt hai. Hum do fundon ko compare karne ja rahe hain - HDFC Liquid Fund aur Nippon India Large Cap Fund. Dekho ke aapko kya kuchh seekhne ko milta hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BNippon India Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Nippon India |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 98.75 |
| AUM (₹ Cr) | 7.29 Lac Cr | 5.17 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.8% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.25 |
| Sharpe Ratio | 3 | 0.73 |
| 1 Year Return (%) | 6.08% | -0.91% |
| 3 Year Return (%) | 6.83% | 15.4% |
| 5 Year Return (%) | 6.01% | 16.46% |
| Since Launch (%) | 34.46% | 15.3% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) |
| Benchmark | NIFTY Liquid Index | BSE 100 Total Return Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), Reliance Industries Ltd. (4.3%) |
| 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: 96.43% |
| Portfolio Turnover | 203% | 70% |
🤖 AI Verdict – Which is Better?
Chaliye fundon ka verdict lete hain. Fund B, Nippon India Large Cap Fund, 3Y return ke mukabale ek aisa fund hai jo aapke long-term wealth creation ke liye acha hai. Chaliye ismein kyu ja raha hai. Expense ratio se bhi ismein kami hai, aur riskometer bhi accha hai. Haan, Fund A ke 5Y return thoda kam hai, lekin expense ratio aur riskometer ke mukabale yeh fund acha 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 Large Cap Fund?
- Expense ratio: 0.8%
- 3Y return: 15.4%
- AUM: 5.17 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye fund chunne ke liye humein consistency aur return stability ke baare mein sochna padta hai. Fund A, HDFC Liquid Fund, ek consistent fund hai, lekin Fund B, Nippon India Large Cap Fund, aapke SIP ke liye bhi accha hai. Fund B ke 3Y return bahut accha hai, aur expense ratio se bhi kam hai. Haan, riskometer bahut hi badha hai, lekin agar aap 10+ saal se SIP karte rahen, to yeh fund aapke liye accha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur expense ratio ke mukabale humein fundon ka analysis karna padta hai. Fund A, HDFC Liquid Fund, kafi accha riskometer hai, lekin Fund B, Nippon India Large Cap Fund, volatility aur Sharpe ratio ke mukabale thoda kam accha hai. Lekin expense ratio ke mukabale Fund A thoda kam accha hai. Haan, Fund B ke 3Y return bahut accha hai, lekin riskometer ke mukabale yeh fund thoda kam accha hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke mukabale humein fundon ka diversification analysis karna padta hai. Fund A, HDFC Liquid Fund, asset allocation mein kafi accha hai, lekin top holdings mein Reserve Bank of India ki 13.46% holding bahut hi badhi hui hai. Fund B, Nippon India Large Cap Fund, asset allocation mein kafi accha hai, aur top holdings mein bhi koi badi badhi hui holding nahi hai. Haan, sector risk ke mukabale Fund A thoda kam accha hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Nippon India Large Cap Fund
₹1428138.45
@15.4% 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, Nippon India Large Cap Fund, aapke long-term wealth creation ke liye acha hai, kyonki yeh 3Y return mein 15.4% return deta hai, jabki Fund A, HDFC Liquid Fund, 6.83% return deta hai.
Q2: Is the higher risk fund worth it?
Fund B, Nippon India Large Cap Fund, ke 12.25 volatility aur -0.91% 1Y return ke mukabale yeh fund aapke liye thoda kam accha hai. Lekin agar aap 10+ saal se SIP karte rahen, to yeh fund aapke liye accha hai.
Q3: Which fund is more cost-effective?
Fund A, HDFC Liquid Fund, ke 0.2% expense ratio ke mukabale yeh fund aapke liye accha hai. Lekin Fund B, Nippon India Large Cap Fund, ke 0.8% expense ratio ke mukabale yeh fund thoda kam accha 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