Nippon India Large Cap Fund vs Kotak Mahindra 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%
Aapki duniya mein investment karne ke liye do fund option hain - Nippon India Large Cap Fund aur Kotak Mahindra Liquid Fund. Aaj hum in dono fund ki comparison karenge, dekho ki kis fund mein aapko invest karna chahiye.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Kotak Mahindra |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 1.56% | 0.12% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Nippon India Large Cap Fund aur Kotak Mahindra Liquid Fund dono fund hain lekin unki category aur risk level alag alag hain. Haan, Nippon India Large Cap Fund ek large cap fund hai jo long-term wealth creation ke liye accha hai. Iska 3Y return 15.4% hai aur expense ratio 1.56% hai, jo thoda high hai. Lekin, riskometer Very High hai, jisse yeh fund thoda riski hai. Kotak Mahindra Liquid Fund ek liquid fund hai jo short-term investment ke liye accha hai. Iska 3Y return 6.93% hai aur expense ratio 0.12% hai, jo bahut low hai. Lekin, riskometer Low hai, jisse yeh fund thoda safe hai. Sach ye hai, Nippon India Large Cap Fund long-term wealth creation ke liye better 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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Monthly SIP ke liye, humdekhayenge ki fund kisne consistency aur return stability ke liye accha hai. Nippon India Large Cap Fund ka 1Y return -0.91% hai, jisse yeh fund thoda unstable hai. Lekin, 3Y return 15.4% hai, jisse yeh fund long-term mein thoda consistent hai. Kotak Mahindra Liquid Fund ka 1Y return 6.17% hai aur 3Y return 6.93% hai, jisse yeh fund short-term mein thoda stable hai. Lekin, long-term mein, yeh fund thoda unstable ho sakta hai. Sach ye hai, Kotak Mahindra Liquid Fund short-term investment ke liye better hai.
⚠️ Risk & Cost Analysis
Humdekhayenge ki fund kisne riskometer, volatility, Sharpe ratio aur expense ratio ke liye accha hai. Nippon India Large Cap Fund ka riskometer Very High hai, jisse yeh fund thoda riski hai. Lekin, Sharpe ratio 0.73 hai, jisse yeh fund thoda attractive hai. Kotak Mahindra Liquid Fund ka riskometer Low hai, jisse yeh fund thoda safe hai. Lekin, Sharpe ratio 3.91 hai, jisse yeh fund thoda attractive hai. Sach ye hai, Kotak Mahindra Liquid Fund risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
Humdekhayenge ki fund ki asset allocation aur top holdings concentration kisne accha hai. Nippon India Large Cap Fund ka asset allocation equity mein 96.43% hai, jisse yeh fund thoda concentrated hai. Lekin, top holdings mein HDFC Bank Ltd., ICICI Bank Ltd. aur Reliance Industries Ltd. hain, jo thoda diversified hai. Kotak Mahindra Liquid Fund ka asset allocation T-Bills, CD, CP aur cash mein 65.00%, 20.00%, 10.00% aur 5.00% hai, jisse yeh fund thoda diversified hai. Lekin, top holdings mein State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hain, jo thoda concentrated hai. Sach ye hai, Kotak Mahindra Liquid Fund asset allocation ke liye better hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
Kotak Mahindra 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?
Nippon India Large Cap Fund ka 5Y return 3.31% hai, jisse yeh fund long-term mein thoda better hai Kotak Mahindra Liquid Fund ka 5Y return 6.11% hai, jisse yeh fund long-term mein thoda better hai.
Q2: Is the higher risk fund worth it?
Nippon India Large Cap Fund ka riskometer Very High hai, jisse yeh fund thoda riski hai. Lekin, Sharpe ratio 0.73 hai, jisse yeh fund thoda attractive hai. Kotak Mahindra Liquid Fund ka riskometer Low hai, jisse yeh fund thoda safe hai. Lekin, Sharpe ratio 3.91 hai, jisse yeh fund thoda attractive hai.
Q3: Which fund is more cost-effective?
Kotak Mahindra Liquid Fund ka expense ratio 0.12% hai, jisse yeh fund thoda cost-effective hai. Nippon India Large Cap Fund ka expense ratio 1.56% hai, jisse yeh fund thoda costly 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