HDFC Liquid Fund vs Nippon India Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
19.38%
Hum aapko do ek liquid aur multi cap funds ke beech mein compare karne ja rahe hain. Fund A HDFC Liquid Fund hai, jo liquidity ke liye famous hai, aur Fund B Nippon India Multi Cap Fund hai, jo multi cap category mein aata hai. Dekho, fund ki category aur investment goals par depend karta hai ki aapko kis fund mein invest karna chahiye. Is article mein, hum aapko Fund A aur Fund B ke beech mein comparison karke, aapko sahi fund choose karne mein madad karenge.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BNippon India Multi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Nippon India |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 327.56 |
| AUM (₹ Cr) | 7.29 Lac Cr | 5.26 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.84% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 14.38 |
| Sharpe Ratio | 3 | 0.9 |
| 1 Year Return (%) | 6.08% | 1.81% |
| 3 Year Return (%) | 6.83% | 19.38% |
| 5 Year Return (%) | 6.01% | 20.94% |
| Since Launch (%) | 34.46% | 15.99% |
| 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; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (6.16%), ICICI Bank Ltd. (4.1%), Axis Bank Ltd. (3.41%) |
| 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: 99.5% |
| Portfolio Turnover | 203% | 89% |
🤖 AI Verdict – Which is Better?
Chaliye, hum Fund A aur Fund B ke beech mein comparison karte hain. Fund A ka 3Y return 6.83% hai, jo Fund B ka 3Y return 19.38% se kam hai. Lekin, Fund A ka expense ratio 0.2% hai, jo Fund B ka expense ratio 0.84% se kam hai. Aur, Fund A ka riskometer low hai, jo Fund B ka riskometer very high hai. Sach ye hai, fund ki performance aur expense ratio ka comparison karke, hum kah sakte hain ki Fund A aapke liye better 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 Multi Cap Fund?
- Expense ratio: 0.84%
- 3Y return: 19.38%
- AUM: 5.26 Lac Cr
- Sharpe Ratio: 0.9
📈 SIP Suitability
Haan, hum aapko SIP ke liye fund ki suitability compare karte hain. Fund A ka 3Y return stable hai, jo Fund B ka 3Y return stable nahi hai. Lekin, Fund B ka equity allocation 99.5% hai, jo Fund A ka equity allocation 0% hai. Dekho, SIP ke liye Fund B aapke liye better hai, lekin aapko risk lete hue investment karna hoga.
⚠️ Risk & Cost Analysis
Chaliye, hum fund ki riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karte hain. Fund A ka riskometer low hai, jo Fund B ka riskometer very high hai. Lekin, Fund A ka Sharpe ratio 3 hai, jo Fund B ka Sharpe ratio 0.9 hai. Aur, Fund A ka expense ratio 0.2% hai, jo Fund B ka expense ratio 0.84% hai. Sach ye hai, Fund A aapke liye better risk-adjusted return offer karta hai.
📊 Portfolio Diversification
Haan, hum fund ki asset allocation aur top holdings concentration ka comparison karte hain. Fund A ka asset allocation CP, CD, T-Bills, aur Debenture mein hai, jo Fund B ka asset allocation equity mein hai. Lekin, Fund A ka top holdings concentration Reserve Bank of India mein hai, jo Fund B ka top holdings concentration HDFC Bank Ltd., ICICI Bank Ltd., aur Axis Bank Ltd. mein hai. Dekho, Fund A ka portfolio diversification better hai, lekin Fund B ka sector risk hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Nippon India Multi Cap Fund
₹1836667.31
@19.4% 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?
Answer: Fund B ka 5Y return 20.94% hai, jo Fund A ka 5Y return 6.01% se jyada hai. Lekin, fund ki riskometer aur expense ratio ka bhi dhyan rakhna hai.
Q2: Is the higher risk fund worth it?
Answer: N/A
Q3: Which fund is more cost-effective?
Answer: Fund A ka expense ratio 0.2% hai, jo Fund B ka expense ratio 0.84% se kam hai. Lekin, fund ki performance aur riskometer ka bhi dhyan rakhna 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