Nippon India Large Cap Fund vs DSP 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
6.77%
Mujhe aapke pasand kiye fund ki category ek doosre se alag hai. Ye dono fund mein aapko investment ke liye kya kya chunautiyan aur fayde milege? Is article mein, hum aapko Fund A aur Fund B ke beech mein ki kya aapko long term mein wealth creation ke liye kya chunna chahiye? Iske liye, hum fund ki category, 3Y return, expense ratio aur riskometer ke beech ki comparison karenge.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | DSP Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 89.77 |
| AUM (₹ Cr) | 5.17 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 1.56% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.27 | 0.12 |
| Sharpe Ratio | 0.73 | 2.25 |
| 1 Year Return (%) | -0.91% | 2.95% |
| 3 Year Return (%) | 15.4% | 6.77% |
| 5 Year Return (%) | 3.31% | 5.92% |
| Since Launch (%) | 12.7% | 6.91% |
| 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) | Atul Bhole (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% | 243% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B DSP Mutual Fund Liquid Fund Direct Plan Growth hai, jo ki ek Low risk fund hai. Is fund ne 3Y return mein 6.77% ki hai, lekin expense ratio bahut kam hai, 0.12%. Fund A Nippon India Large Cap Fund Regular Plan Growth hai, jo ki ek Very High risk fund hai. Is fund ne 3Y return mein 15.4% ki hai, lekin expense ratio 1.56% hai. Haan, Fund B isme se kam risk hai, lekin Fund A mein long term mein better returns aa sakte hain.
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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
Ek monthly SIP ke liye, Fund B DSP Mutual Fund Liquid Fund Direct Plan Growth better hai. Is fund ne 3Y return mein 6.77% ki hai, jo ki bahut stabil hai. Is fund ki consistency bahut acchi hai, lekin Fund A ki consistency thoda kam hai. Haan, Fund B ke liye SIP ke liye aapko monthly investment karna hoga, lekin fund ki returns bahut stabil hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, Fund B DSP Mutual Fund Liquid Fund Direct Plan Growth Low risk hai, jabki Fund A Nippon India Large Cap Fund Regular Plan Growth Very High risk hai. Volatility ke hisab se bhi, Fund B 0.12 hai, jabki Fund A 12.27 hai. Sharpe ratio ke hisab se, Fund B 2.25 hai, jabki Fund A 0.73 hai. Haan, Fund B ke expense ratio 0.12% hai, jabki Fund A ka expense ratio 1.56% hai. Fund B mein aapko better risk-adjusted returns milenge.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund B DSP Mutual Fund Liquid Fund Direct Plan Growth mein 65% T-Bills, 20% CD, 10% CP aur 5% Cash hai. Is fund mein asset allocation bahut diverse hai, lekin Fund A Nippon India Large Cap Fund Regular Plan Growth mein equity 96.43% hai. Is fund mein equity se zyada asset allocation hai, jo ki sector risk ke liye aapko tayyar karta hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@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?
Fund A Nippon India Large Cap Fund Regular Plan Growth ne 3Y return mein 15.4% ki hai, lekin 5Y return mein 3.31% hi hai. Fund B DSP Mutual Fund Liquid Fund Direct Plan Growth ne 5Y return mein 5.92% ki hai, jo ki Fund A se accha hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A Nippon India Large Cap Fund Regular Plan Growth mein aapko better returns mil sakte hain, lekin is fund mein volatility 12.27 hai, jo ki Fund B se bahut zyada hai. Sharpe ratio ke hisab se bhi, Fund B 2.25 hai, jo ki Fund A se accha hai.
Q3: Which fund is more cost-effective?
Fund B DSP Mutual Fund Liquid Fund Direct Plan Growth ka expense ratio 0.12% hai, jo ki Fund A Nippon India Large Cap Fund Regular Plan Growth ka expense ratio 1.56% se kam hai. Haan, Fund B mein aapko better cost-effectiveness milti 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