HDFC Liquid Fund vs Nippon India Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
20.63%
Dekho, aap yahaan par do fund ke beech ka comparison karne wale hain. Fund A HDFC Liquid Fund Direct Plan Growth hai, jo Liquid category mein aata hai. Fund B Nippon India Small Cap Fund Direct Plan Growth hai, jo Small Cap category mein aata hai. Yahaan par hum aapko fund ke characteristics aur apne fund ke beech kya aisa hai, iska brief vishleshan dengayenge.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BNippon India Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Nippon India |
| Category | Liquid | Small Cap |
| NAV (₹) | 5466.12 | 194.77 |
| AUM (₹ Cr) | 7.29 Lac Cr | 7.27 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.64% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 18.66 |
| Sharpe Ratio | 3 | 0.76 |
| 1 Year Return (%) | 6.08% | 5.69% |
| 3 Year Return (%) | 6.83% | 20.63% |
| 5 Year Return (%) | 6.01% | 21.91% |
| Since Launch (%) | 34.46% | 23.95% |
| 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; Samir Rachh (9.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 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. (1.89%), Multi Commodity Exchange Of India Ltd. (1.76%), Bharat Heavy Electricals Ltd. (1.67%) |
| 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: 97.17% | CD: 0.21% |
| Portfolio Turnover | 203% | 32% |
🤖 AI Verdict – Which is Better?
Haan, fund B Nippon India Small Cap Fund Direct Plan Growth apne 3Y return ke hisaab se aage nikal raha hai, lekin expense ratio aur risk ke hisaab se Fund A HDFC Liquid Fund Direct Plan Growth aage nikal raha hai. Chaliye, fund B ka 3Y return 20.63% hai, jabki expense ratio 0.64% hai. To, fund B ke liye aage nikalne ke liye bahut jyada risk lena hoga. Isliye, hamara verdict hai ki Fund A HDFC Liquid Fund Direct Plan Growth long-term mein aage nikal raha 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 Small Cap Fund?
- Expense ratio: 0.64%
- 3Y return: 20.63%
- AUM: 7.27 Lac Cr
- Sharpe Ratio: 0.76
📈 SIP Suitability
Sach ye hai ki fund A HDFC Liquid Fund Direct Plan Growth monthly SIP ke liye achi chunauti hai, kyunki yeh fund consistent returns deta hai. Fund B Nippon India Small Cap Fund Direct Plan Growth monthly SIP ke liye achi chunauti nahin hai, kyunki yeh fund very high risk wala hai. Isliye, fund A HDFC Liquid Fund Direct Plan Growth monthly SIP ke liye achi chunauti hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisaab se, fund A HDFC Liquid Fund Direct Plan Growth low risk wala hai, jabki fund B Nippon India Small Cap Fund Direct Plan Growth very high risk wala hai. Volatility ke hisaab se bhi fund A HDFC Liquid Fund Direct Plan Growth aage nikal raha hai. Chaliye, Fund A ke riskometer low hai, volatility 0.11 hai, jabki fund B ke riskometer very high hai aur volatility 18.66 hai. Sharpe ratio ke hisaab se bhi fund A HDFC Liquid Fund Direct Plan Growth aage nikal raha hai, jabki fund B Nippon India Small Cap Fund Direct Plan Growth aage nahin nikal raha hai. Isliye, fund A HDFC Liquid Fund Direct Plan Growth better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Fund A HDFC Liquid Fund Direct Plan Growth CP, CD, T-Bills, Debenture, Bonds/NCD, Debt aur SDL mein asset allocation karta hai. Fund B Nippon India Small Cap Fund Direct Plan Growth mainy equity aur CD mein asset allocation karta hai. Chaliye, fund A HDFC Liquid Fund Direct Plan Growth asset allocation ke hisaab se aage nikal raha hai, kyunki yeh fund mein sabhi asset classes mein investment karta hai. Isliye, fund A HDFC Liquid Fund Direct Plan Growth portfolio diversification ke liye aage nikal raha hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Nippon India Small Cap Fund
₹1991813.86
@20.6% 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?
Chaliye, fund B Nippon India Small Cap Fund Direct Plan Growth ke 5Y return 21.91% hai, jo fund A HDFC Liquid Fund Direct Plan Growth ke 5Y return 6.01% se aage hai. Isliye, fund B Nippon India Small Cap Fund Direct Plan Growth long-run mein aage nikal raha hai.
Q2: Is the higher risk fund worth it?
Chaliye, fund B Nippon India Small Cap Fund Direct Plan Growth ke volatility 18.66 hai, jabki sharpe ratio 0.76 hai. Fund A HDFC Liquid Fund Direct Plan Growth ke volatility 0.11 hai, jabki sharpe ratio 3 hai. Isliye, fund A HDFC Liquid Fund Direct Plan Growth better risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
Chaliye, fund A HDFC Liquid Fund Direct Plan Growth ka expense ratio 0.2% hai, jabki fund B Nippon India Small Cap Fund Direct Plan Growth ka expense ratio 0.64% hai. Isliye, fund A HDFC Liquid Fund Direct Plan Growth cost-effective 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