Nippon India Large Cap Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
6.98%
Ab aapke paas do mutual fund options hain - Nippon India Large Cap Fund aur Bandhan Mutual Fund Liquid Fund. Fund A ek bade share capital fund hai jo large-cap share mein invest karta hai, jabki Fund B ek liquid fund hai jo T-Bills, CD aur CP mein invest karta hai. Mein aapko yeh batana hoga ki kis fund ko long-term wealth creation ke liye chunna chahiye aur kis fund mein SIP karna chahiye.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Bandhan Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 39.33 |
| AUM (₹ Cr) | 5.17 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 1.56% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.27 | 0.12 |
| Sharpe Ratio | 0.73 | 4 |
| 1 Year Return (%) | -0.91% | 1.41% |
| 3 Year Return (%) | 15.4% | 6.98% |
| 5 Year Return (%) | 3.31% | 5.96% |
| Since Launch (%) | 12.7% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 29 November 2012 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Manish Gunwani (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% | 251% |
🤖 AI Verdict – Which is Better?
Haan, let's see. Fund A ka 3Y return 15.4% hai, jo bahut achha hai. Lekin expense ratio 1.56% hai, jo thoda zyada hai. Fund B ka expense ratio 0.12% hai, jo bahut kam hai. Riskometer bhi Fund B ka Low hai, jabki Fund A ka Very High hai. Toh sach ye hai, Fund B better hai long-term wealth creation ke like.
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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Bilkul, SIP suitabilty ke liye hum Fund A aur Fund B ka comparison karenge. Fund A ka 3Y return stable hai, lekin Fund B ka return thoda unstable hai. Lekin Fund B ka expense ratio kam hai, jo SIP ke liye achha hai. Toh Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ka comparison karenge. Fund A ka riskometer Very High hai, jo thoda zyada hai. Volatility bhi Fund A ka 12.27 hai, jo Fund B ka 0.12 se bahut zyada hai. Sharpe ratio bhi Fund A ka 0.73 hai, jo Fund B ka 4 se kam hai. Lekin expense ratio Fund B ka 0.12% hai, jo Fund A ka 1.56% se kam hai. Toh Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karenge. Fund A ka asset allocation Equity mein 96.43% hai, jo thoda zyada hai. Top 3 holdings bhi Fund A ka HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai, jo sector risk ke liye sensitive hain. Fund B ka asset allocation T-Bills, CD, aur CP mein 65% hai, jo diversified hai. Top 3 holdings bhi Fund B ka State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai, jo low risk mein hain.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@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?
Sach ye hai, Fund A ka 5Y return 3.31% hai, jo Fund B ka 5.96% se kam hai. Lekin Fund B ka 3Y return 6.98% hai, jo Fund A ka 15.4% se kam hai. Toh Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility 0.12 hai, jo Fund A ka 12.27 se kam hai. Sharpe ratio bhi Fund B ka 4 hai, jo Fund A ka 0.73 se jyada hai. Toh Fund B low risk mein better returns deta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jo Fund A ka 1.56% se kam hai. Toh Fund B 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