Nippon India Large Cap Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
6.85%
Yeh article mein humein do funds ke beech ki comparison karni hai, Nippon India Large Cap Fund aur Aditya Birla Sun Life Liquid Fund. Ye dono funds Indian investors ke liye viksit ho rahe hain. Hum yeh jaanne ki koshish karenge ki in dono funds ke beech kya acha hai aur unka sahi upyog kaise kiya jaa sakta hai.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Aditya Birla Sun Life |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 443.77 |
| AUM (₹ Cr) | 5.17 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 1.56% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.27 | 0.13 |
| Sharpe Ratio | 0.73 | 2.69 |
| 1 Year Return (%) | -0.91% | 6.09% |
| 3 Year Return (%) | 15.4% | 6.85% |
| 5 Year Return (%) | 3.31% | 6.05% |
| Since Launch (%) | 12.7% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 29 November 2012 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | Nifty 50 | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), Reliance Industries Ltd. (4.3%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 96.43% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 70% | 279% |
🤖 AI Verdict – Which is Better?
Haan, yeh sawaal kaafi aasaan hai. Fund B ka 3Y return 6.85% hai, jiska mukhya aadhaar low-risk investment par hai. Iske alawa, expense ratio bhi bahut kam hai, 0.12% hi. Lekin yeh fund short-term ke liye hai, na keval long-term. Dekho, yeh fund 5Y return mein bhi 6.05% hai. Nippon India Large Cap Fund ka 3Y return 15.4% hai, lekin expense ratio bhi 1.56% hai. Isliye, hamara verdict hai ki Aditya Birla Sun Life Liquid Fund better hai long-term wealth creation ke liye.
Why consider Nippon India Large Cap Fund?
- Expense ratio: 1.56%
- 3Y return: 15.4%
- AUM: 5.17 Lac Cr
- Sharpe Ratio: 0.73
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Yeh sawaal bahut aasan hai. Nippon India Large Cap Fund ka 3Y return 15.4% hai, lekin yeh fund short-term ke liye thoda riski hai. Dekho, yeh fund 1Y return mein bhi -0.91% hai. Isliye, yeh fund long-term SIP ke liye thoda acha nahi hai. Aditya Birla Sun Life Liquid Fund ka 3Y return 6.85% hai, lekin yeh fund short-term hai. Isliye, yeh fund long-term SIP ke liye acha nahi hai. Haan, yeh fund short-term ke liye acha hai.
⚠️ Risk & Cost Analysis
Yeh sawaal kaafi aasaan hai. Riskometer ke anusaar, Aditya Birla Sun Life Liquid Fund ka risk low hai, jiska mukhya aadhaar low-risk investment par hai. Iske alawa, volatility bhi kam hai, 0.13 hi. Sharpe ratio bhi 2.69 hai, jiska mukhya aadhaar high return pe investment par hai. Expense ratio bhi kam hai, 0.12% hi. Isliye, yeh fund better hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Yeh sawaal kaafi aasaan hai. Aditya Birla Sun Life Liquid Fund ka asset allocation T-Bills, CD, CP, aur cash ke liye hai. Isliye, yeh fund bahut diversified hai. Nippon India Large Cap Fund ka asset allocation bhi bahut diversified hai, lekin sector risk bhi hai. Isliye, yeh fund thoda less diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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?
Aditya Birla Sun Life Liquid Fund ka 5Y return 6.05% hai, jiska mukhya aadhaar low-risk investment par hai. Nippon India Large Cap Fund ka 5Y return 3.31% hai. Isliye, Aditya Birla Sun Life Liquid Fund better hai long-term returns ke liye.
Q2: Is the higher risk fund worth it?
Nippon India Large Cap Fund ka riskometer high hai, jiska mukhya aadhaar high-risk investment par hai. Iske alawa, volatility bhi jyaada hai, 12.27 hi. Sharpe ratio bhi kam hai, 0.73 hi. Isliye, yeh fund risk-adjusted returns ke liye less acha hai.
Q3: Which fund is more cost-effective?
Aditya Birla Sun Life Liquid Fund ka expense ratio 0.12% hai, jiska mukhya aadhaar low-cost investment par hai. Nippon India Large Cap Fund ka expense ratio 1.56% hai. Isliye, Aditya Birla Sun Life Liquid Fund more 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