Nippon India Large Cap Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
6.97%
Agar aapko pata hai ki aapko long-term wealth creation ke liye ek fund chahiye, toh yeh post aapke liye hai. Aaj hum Nippon India Large Cap Fund aur JM Financial Liquid Fund ke beech ka comparison karne ja rahe hai. Fund A ek Large Cap fund hai, jabki Fund B ek Liquid fund hai. Chaliye dekhte hai ki dono fundon ka comparison kaise karte hain.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | JM Financial |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 363.19 |
| AUM (₹ Cr) | 5.17 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 1.56% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.27 | 0.12 |
| Sharpe Ratio | 0.73 | 3.92 |
| 1 Year Return (%) | -0.91% | 6.21% |
| 3 Year Return (%) | 15.4% | 6.97% |
| 5 Year Return (%) | 3.31% | 6.16% |
| Since Launch (%) | 12.7% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 29 November 2012 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki Fund B, JM Financial Liquid Fund, short-term wealth creation ke liye better hai, lekin Fund A, Nippon India Large Cap Fund, long-term wealth creation ke liye better hai. Fund A ka 3Y return 15.4% hai, lekin expense ratio 1.56% hai. Fund B ka expense ratio 0.12% hai, lekin 3Y return 6.97% hai. Haan, Fund A ka riskometer Very High hai, lekin Fund B ka riskometer Low 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Ek monthly SIP ke liye, hum dekh rahe hain ki Fund A kya Fund B se better hai. Fund A ka 3Y return Fund B se better hai, lekin expense ratio Fund B se badhia hai. Haan, Fund A ka riskometer Fund B se higher hai, lekin Fund B ka return consistency Fund A se kam hai.
⚠️ Risk & Cost Analysis
Ab hum dekh rahe hain ki dono fundon ka riskometer, volatility, Sharpe ratio, aur expense ratio kitna hai. Fund A ka riskometer Very High hai, lekin Fund B ka riskometer Low hai. Fund A ka volatility 12.27% hai, jabki Fund B ka volatility 0.12% hai. Haan, Fund A ka Sharpe ratio 0.73 hai, jabki Fund B ka Sharpe ratio 3.92 hai.
📊 Portfolio Diversification
Ab hum dekh rahe hain ki dono fundon ka asset allocation kitna hai. Fund A ka asset allocation equity mein 96.43% hai, jabki Fund B ka asset allocation T-Bills mein 65.00% hai. Haan, Fund A ka top 3 holdings HDFC Bank, ICICI Bank, aur Reliance Industries mein hai, jabki Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% 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 A ka 5Y return 3.31% hai, jabki Fund B ka 5Y return 6.16% hai. Haan, Fund B ka 5Y return Fund A se badhia hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher riskometer Fund B se higher hai, lekin Fund A ka Sharpe ratio Fund B se kam hai. Haan, Fund A ka volatility Fund B se badhia hai, lekin Fund B ka return consistency Fund A se kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 1.56% hai. Haan, Fund B ka expense ratio Fund A se kam 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