Nippon India Large Cap Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
6.92%
Aapke paas do achhe investment options hain, Fund A aur Fund B. Fund A ek Large Cap fund hai, jo high-risk aur high-return investment offer karta hai, jabki Fund B ek Liquid fund hai, jo low-risk aur stable returns offer karta hai. Is article mein hum fundon ke beech comparison karenge aur aapko batayenge ki kis fund mein invest karna achha hai.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Baroda BNP Paribas |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 3208.35 |
| AUM (₹ Cr) | 5.17 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 1.56% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.27 | 0.11 |
| Sharpe Ratio | 0.73 | 3.82 |
| 1 Year Return (%) | -0.91% | 6.16% |
| 3 Year Return (%) | 15.4% | 6.92% |
| 5 Year Return (%) | 3.31% | 6.14% |
| Since Launch (%) | 12.7% | 6.88% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 29 November 2012 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B dono fund achhe hain lekin Fund B ek better choice hai long-term wealth creation ke liye. Fund B ke 3Y return 15.4% hai, jo Fund A ke 3Y return se zyada hai. Expense ratio ke maamle mein bhi Fund B better hai, 0.12% expense ratio ke sath.
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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
Fund B ek achha chayan hai SIP ke liye. Fund B ka 1Y return 6.16% hai, jo Fund A ke 1Y return se zyada hai. Fund B ka consistency aur return stability bhi accha hai, isliye yeh fund SIP ke liye achha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, aur Sharpe ratio ke maamle mein Fund B better hai. Fund B ka riskometer low hai, volatility 0.11 hai, aur Sharpe ratio 3.82 hai. Fund B ka expense ratio bhi 0.12% hai, jo Fund A ke expense ratio se kam hai.
📊 Portfolio Diversification
Fund A aur Fund B dono fund mein asset allocation aur top holdings concentration ki comparison karni padegi. Fund A mein asset allocation 96.43% equity hai, aur top 3 holdings HDFC Bank, ICICI Bank, aur Reliance Industries hai. Fund B mein asset allocation T-Bills, CD, CP, aur cash mein 65%, 20%, 10%, aur 5% hai, aur top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Fund B ka asset allocation aur top holdings concentration Fund A se zyada diversified hai.
Q1: Which fund gives better returns in the long run?
Fund B Fund A ke 5Y return 3.31% se zyada 5Y return 6.14% ke sath better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk Fund B ke low risk se zyada returns offer karta hai, lekin volatility aur Sharpe ratio ke maamle mein Fund B better hai.
Q3: Which fund is more cost-effective?
Fund B ek cost-effective chayan hai, 0.12% expense ratio ke sath.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@6.9% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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