Nippon India Large Cap Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
16.22%
Chaliye dekho, hum do funds ke beech ka comparison karne ja rahe hain - Nippon India Large Cap Fund aur HDFC ELSS Tax Saver Fund - dono hi very high riskometer vala fund hain. Is article mein hum in dono funds ka detail analysis karenge aur dekhein ki kis fund mein long-term wealth creation ki sambhavna adhik hai.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | HDFC Mutual Fund |
| Category | Large Cap | ELSS |
| NAV (₹) | 42.22 | 1325.00 |
| AUM (₹ Cr) | 5.17 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 1.56% | 1.24% |
| Riskometer | Very High | Very High |
| Volatility | 12.27 | 13.3 |
| Sharpe Ratio | 0.73 | 0.73 |
| 1 Year Return (%) | -0.91% | -5.24% |
| 3 Year Return (%) | 15.4% | 16.22% |
| 5 Year Return (%) | 3.31% | 16.62% |
| Since Launch (%) | 12.7% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 29 November 2012 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), Reliance Industries Ltd. (4.3%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | Equity: 96.43% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 70% | 32% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye Fund B, HDFC ELSS Tax Saver Fund, better hai. Iska 3Y return 16.22% hai, jo Fund A, Nippon India Large Cap Fund ki 15.4% se adhik hai. Lekin expense ratio ke liye Fund A better hai, jiska expense ratio 1.56% hai, jo Fund B ki 1.24% se kam hai. Riskometer aur volatility ke liye dono funds ek hi hain, lekin Fund A ka Sharpe ratio 0.73 hai, jiska matlab hai ki iska risk-adjusted return adhik hai.
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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP ke liye Fund B, HDFC ELSS Tax Saver Fund, better hai. Iska 3Y return 16.22% hai, jo Fund A ki 15.4% se adhik hai. Lekin expense ratio ke liye Fund A better hai, jiska expense ratio 1.56% hai, jo Fund B ki 1.24% se kam hai. SIP ke liye consistency aur return stability ka mukhya kaaryakram hai, isliye Fund B adhik suitable hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye dono funds ek hi hain, lekin Fund A ka Sharpe ratio 0.73 hai, jiska matlab hai ki iska risk-adjusted return adhik hai. Expense ratio ke liye Fund A better hai, jiska expense ratio 1.56% hai, jo Fund B ki 1.24% se kam hai. Isliye, Fund A risk-adjusted return aur cost ke liye better hai.
📊 Portfolio Diversification
Asset allocation ke liye dono funds ek hi hain, lekin Asset allocation me GOI Sec hai Fund B mein. Top holdings concentration ke liye Fund A better hai, jiska top holdings HDFC Bank Ltd. hai. Sector risk ke liye Fund A better hai, kyonki iska top holdings ek financial sector company hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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?
Dono funds ki 5Y return dekhne par, Fund B ka 16.62% return Fund A ki 3.31% return se adhik hai, lekin Fund A ka 3Y return Fund B ki 16.22% se adhik hai. Isliye, Fund B long-term returns ke liye better hai.
Q2: Is the higher risk fund worth it?
Volatility ke liye dono funds ek hi hain, lekin Fund A ka Sharpe ratio 0.73 hai, jiska matlab hai ki iska risk-adjusted return adhik hai. Isliye, Fund A higher risk ke liye worth hai.
Q3: Which fund is more cost-effective?
Expense ratio ke liye Fund A better hai, jiska expense ratio 1.56% hai, jo Fund B ki 1.24% se kam hai. Isliye, Fund A 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