Nippon India Large Cap Fund vs HSBC 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
6.93%
Ek baat paheli hai, Fund A aur Fund B mein kya antar hai? Fund A Nippon India Large Cap Fund hai, jisse large cap category mein aata hai. Isme humein iske 1Y, 3Y, aur 5Y return ke baare mein dekhne ko milega. Iske alawa, hum Fund B HSBC Mutual Fund Liquid Fund ke baare mein bhi jannege. Is fund mein humein iske 1Y, 3Y, aur 5Y return ke saath-saath expense ratio, riskometer, volatility, aur Sharpe ratio ke baare mein bhi pata chalega.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | HSBC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 1.56% | 0.13% |
| Riskometer | Very High | Low |
| Volatility | 12.27 | 0.11 |
| Sharpe Ratio | 0.73 | 3.91 |
| 1 Year Return (%) | -0.91% | 6.17% |
| 3 Year Return (%) | 15.4% | 6.93% |
| 5 Year Return (%) | 3.31% | 6.11% |
| Since Launch (%) | 12.7% | 50.63% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Ab dekho, Fund A aur Fund B ke beech mein kya antar hai. Fund A ka 3Y return 15.4% hai, jo kafi achha hai. Lekin expense ratio 1.56% hai, jo thoda zyada hai. Fund B ka expense ratio 0.13% hai, jo bahut kam hai. Isliye, humein lagta hai ki Fund B better fund hai. Lekin, agar aap long-term invest karne ke liye taiyar hain, to Fund A ek achha vikalp ho sakta 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Ab hum SIP suitabaility ke baare mein baat karenge. Fund A aur Fund B dono mein humein SIP ke liye kuch achha vikalp milta hai. Fund A ka 3Y return 15.4% hai, jo kafi achha hai. Fund B ka expense ratio 0.13% hai, jo bahut kam hai. Isliye, humein lagta hai ki Fund B ek achha vikalp hai SIP ke liye.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio, aur expense ratio ke baare mein baat karenge. Fund A ka riskometer very high hai, aur volatility 12.27 hai. Fund B ka riskometer low hai, aur volatility 0.11 hai. Sharpe ratio ke baare mein bhi Fund B achha hai, jo 3.91 hai. Isliye, humein lagta hai ki Fund B better fund hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Ab hum asset allocation aur top holdings ke baare mein baat karenge. Fund A ka asset allocation equity mein 96.43% hai, aur top holdings mein HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), aur Reliance Industries Ltd. (4.3%) hai. Fund B ka asset allocation T-Bills mein 65.00% hai, CD mein 20.00%, CP mein 10.00%, aur cash mein 5.00% hai. Isliye, humein lagta hai ki Fund B ek achha vikalp hai asset allocation ke liye.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
HSBC Mutual Fund Liquid Fund
₹867076.87
@6.9% 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 ka 3Y return 15.4% hai, jo kafi achha hai. Lekin Fund B ka 5Y return 6.11% hai, jo bhi achha hai. Isliye, humein lagta hai ki Fund A long run mein better fund hai.
Q2: Is the higher risk fund worth it?
Fund A ka riskometer very high hai, aur volatility 12.27 hai. Fund B ka riskometer low hai, aur volatility 0.11 hai. Sharpe ratio ke baare mein bhi Fund B achha hai, jo 3.91 hai. Isliye, humein lagta hai ki Fund B ek achha vikalp hai risk-adjusted returns ke liye.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.13% hai, jo bahut kam hai. Fund A ka expense ratio 1.56% hai, jo thoda zyada hai. Isliye, humein lagta hai ki Fund B ek achha vikalp hai cost-effectiveness ke liye.
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