HDFC Mid Cap Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
22.29%
3Y Return
6.96%
Dekho, aaj hum do mutual funds ki tarah keh rahe hain - HDFC Mid Cap Fund aur Nippon India Liquid Fund. Fund A mid cap category mein hai, while Fund B liquid category mein. Aaj hum jaante hain ki dono funds mein kya faayda hai aur kis fund mein long term mein paisa lagana achha hai.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Nippon India |
| Category | Mid Cap | Liquid |
| NAV (₹) | 220.36 | 6813.87 |
| AUM (₹ Cr) | 9.47 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.2% |
| Riskometer | Very High | Low |
| Volatility | 17.17 | 0.12 |
| Sharpe Ratio | 0.92 | 3.83 |
| 1 Year Return (%) | 5.95% | 6.21% |
| 3 Year Return (%) | 22.29% | 6.96% |
| 5 Year Return (%) | 20.24% | 6.14% |
| Since Launch (%) | 17.1% | 6.87% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 years yrs) |
| Benchmark | Nifty Midcap 150 TRI | NIFTY Liquid Index |
| Top 3 Holdings | Max Financial Services Ltd. (4.37%), AU Small Finance Bank Ltd. (4.24%), The Federal Bank Ltd. (3.87%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | Equity: 93.46% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 13% | 260% |
🤖 AI Verdict – Which is Better?
Chaliye, hum jaante hain ki Fund A ki 3Y return 22.29% hai, jabki Fund B ki 3Y return 6.96% hai. Expense ratio ke liye, Fund A ki expense ratio 0.73% hai, jabki Fund B ki expense ratio 0.2% hai. Riskometer ke liye, Fund A ki riskometer very high hai, jabki Fund B ki riskometer low hai. Haan, Fund A aage badhne ke liye better hai.
Why consider HDFC Mid Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 22.29%
- AUM: 9.47 Lac Cr
- Sharpe Ratio: 0.92
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
Lekin SIP ke liye, hum jaante hain ki Fund B sabse achha hai. Fund B ki consistency aur return stability dono mein better hai. SIP ke liye, Fund B ki volatility 0.12 hai, jo bahut low hai. Isliye, Fund B monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye, Fund B sabse accha hai. Fund B ki riskometer low hai aur volatility 0.12 hai. Sharpe ratio ke liye, Fund B 3.83 hai, jo bahut high hai. Expense ratio ke liye, Fund B 0.2% hai, jo bahut low hai. Isliye, Fund B aage badhne ke liye better hai.
📊 Portfolio Diversification
Asset allocation ke liye, Fund B sabse accha hai. Fund B ki asset allocation CP mein 50.93% hai, jo bahut high hai. CD mein 33.36% hai, jo bhi bahut high hai. Top holdings concentration ke liye, Fund A sabse accha hai. Fund A ki top holdings Max Financial Services Ltd., AU Small Finance Bank Ltd., aur The Federal Bank Ltd. hain. Isliye, Fund A portfolio diversification ke liye better hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% 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?
Haan, Fund A ki 5Y return 20.24% hai, jo Fund B ki 5Y return 6.14% se bahut jyada hai.
Q2: Is the higher risk fund worth it?
Lekin, Fund A ki volatility 17.17 hai, jo Fund B ki volatility 0.12 se bahut jyada hai. Sharpe ratio ke liye, Fund B 3.83 hai, jo Fund A ki Sharpe ratio 0.92 se bahut jyada hai. Isliye, Fund B aage badhne ke liye better hai.
Q3: Which fund is more cost‑effective?
Haan, Fund B ki expense ratio 0.2% hai, jo Fund A ki expense ratio 0.73% se bahut low hai. Isliye, Fund B 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