Nippon India Large Cap Fund vs ICICI Prudential 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%
Dekho, aaj hum do alag-alag funds ke beech compare karne ja rahe hain. Fund A, Nippon India Large Cap Fund, ek large cap fund hai jo long-term wealth creation ke liye suit hai. Fund B, ICICI Prudential Liquid Fund, ek liquid fund hai jo short-term liquidity aur safety ke liye use hota hai. Chaliye, aaj hum yeh jaanne ja rahe hain ki kis fund se aapko lene chahiye aur kyun.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | ICICI Prudential |
| Category | Large Cap | Liquid |
| NAV (₹) | 42.22 | 411.88 |
| AUM (₹ Cr) | 5.17 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 1.56% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.27 | 0.12 |
| Sharpe Ratio | 0.73 | 3.58 |
| 1 Year Return (%) | -0.91% | 6.15% |
| 3 Year Return (%) | 15.4% | 6.93% |
| 5 Year Return (%) | 3.31% | 6.11% |
| Since Launch (%) | 12.7% | 6.84% |
| 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) | Nikhil Kabra; Ritesh Lunawat (4.8 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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, to our verdict hai ki Fund B, ICICI Prudential Liquid Fund, long-term wealth creation ke liye better fund hai. Iska 3Y return 6.93% hai, jo Fund A ke 15.4% se kam hai. Lekin expense ratio meh, Fund B achha hai, jo 0.12% hai. Iske alawa, riskometer meh, Fund B low risk hai, jo aapko comfort level mein investment karne ke liye accha 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 ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP suitabilit ke liye, hum dekhenge ki kis fund me consistency aur return stability hai. Fund A ka 1Y return -0.91% hai, jo thoda kam hai. Lekin Fund B ka 1Y return 6.15% hai, jo achha hai. Long-term meh, Fund B ka 3Y return 6.93% hai, jo Fund A ke 15.4% se kam hai. Isliye, hum dekhenge ki kis fund me SIP karne ke liye suitable hai.
⚠️ Risk & Cost Analysis
Risk & cost analysis ke liye, hum dekhenge ki kis fund me riskometer, volatility, Sharpe ratio, expense ratio sabse accha hai. Fund B ka riskometer low hai, jo aapko comfort level mein investment karne ke liye accha hai. Volatility meh, Fund B 0.12% hai, jo Fund A ke 12.27% se kam hai. Sharpe ratio meh, Fund B 3.58 hai, jo Fund A ke 0.73 se kam hai. Expense ratio meh, Fund B 0.12% hai, jo Fund A ke 1.56% se kam hai.
📊 Portfolio Diversification
Portfolio diversification ke liye, hum dekhenge ki kis fund me asset allocation aur top holdings concentration sabse accha hai. Fund B ka asset allocation T-Bills, CD, CP, aur cash me 65%, 20%, 10%, aur 5% hai. Iska top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Fund A ka asset allocation equity me 96.43% hai, aur top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Isliye, Fund B ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
ICICI Prudential 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?
Sach ye hai ki Fund B ka 5Y return 6.11% hai, jo Fund A ke 3.31% se accha hai. To, Fund B long-term meh better returns deti hai.
Q2: Is the higher risk fund worth it?
No, is higher risk fund ki volatility aur Sharpe ratio Fund B ke compared to Fund A achhi nahi hai. To, Fund B risk mein achha hai.
Q3: Which fund is more cost-effective?
Yaad rakho, expense ratio Fund B ki 0.12% hai, jo Fund A ke 1.56% se kam hai. Isliye, Fund B 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