Nippon India Large Cap Fund vs LIC 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%
Chaliye dekho, aaj hum do alag-alag fund ke baare mein jaante hai. Nippon India Large Cap Fund aur LIC Mutual Fund Liquid Fund dono fund different categories mein hain. Ye fund kya chahte hai, unka fund manager kya sochta hai, aur unke portfolio mein kya hai, ye sab janne ke liye aaj hum dono fund ke baare mein jaante hai.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | LIC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 4.02 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% | 6.17% |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Nippon India Large Cap Fund aur LIC Mutual Fund Liquid Fund dono fund alag-alag category mein hain, lekin agar long-term wealth creation ke liye hain, to Nippon India Large Cap Fund better hai. Iska reason yeh hai ki yeh fund 3Y return mein 15.4% return deta hai, expense ratio 1.56% hai, aur riskometer Very High hai. Is fund ke expense ratio aur riskometer ka balance sahi hai, isliye long-term wealth creation ke liye yeh fund achha 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Ab SIP ke liye dekhte hai, to Nippon India Large Cap Fund better hai. Iska reason yeh hai ki is fund ka 3Y return 15.4% hai, jo ki consistent return hai. Nippon India Large Cap Fund ka expense ratio 1.56% hai, jo ki thoda jyada hai, lekin is fund ka volatility 12.27 hai, jo ki thoda jyada hai, lekin is fund ka Sharpe ratio 0.73 hai, jo ki sahi hai. Isliye SIP ke liye Nippon India Large Cap Fund better hai.
⚠️ Risk & Cost Analysis
Ab hum dekhte hai ki konsa fund better hai riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se. Nippon India Large Cap Fund ka riskometer Very High hai, jo ki jyada hai, lekin is fund ka Sharpe ratio 0.73 hai, jo ki sahi hai. Isliye Nippon India Large Cap Fund better hai riskometer aur Sharpe ratio ke hisab se. Lekin is fund ka expense ratio 1.56% hai, jo ki thoda jyada hai. Isliye LIC Mutual Fund Liquid Fund better hai expense ratio ke hisab se.
📊 Portfolio Diversification
Ab hum dekhte hai ki konsa fund portfolio diversification ke hisab se better hai. Nippon India Large Cap Fund ka asset allocation Equity 96.43% hai, jo ki thoda jyada hai. Is fund ka Top 3 holdings HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), aur Reliance Industries Ltd. (4.3%) hai, jo ki sector risk hai. Isliye Nippon India Large Cap Fund ka portfolio diversification thoda jyada risk hai. Lekin LIC Mutual Fund Liquid Fund ka asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00%, aur Cash 5.00% hai, jo ki thoda jyada diversification hai. Isliye LIC Mutual Fund Liquid Fund portfolio diversification ke hisab se better hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
LIC 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?
Sach ye hai, Nippon India Large Cap Fund ka 5Y return 3.31% hai, jo ki thoda jyada hai. Lekin LIC Mutual Fund Liquid Fund ka 5Y return 6.11% hai, jo ki jyada hai. Isliye LIC Mutual Fund Liquid Fund long run mein better hai.
Q2: Is the higher risk fund worth it?
Nippon India Large Cap Fund ka riskometer Very High hai, jo ki jyada hai, lekin is fund ka Sharpe ratio 0.73 hai, jo ki sahi hai. Lekin is fund ka expense ratio 1.56% hai, jo ki thoda jyada hai. Isliye Nippon India Large Cap Fund worth hai, lekin thoda risk hai.
Q3: Which fund is more cost-effective?
Sach ye hai, LIC Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki thoda jyada hai. Lekin Nippon India Large Cap Fund ka expense ratio 1.56% hai, jo ki jyada hai. Isliye LIC Mutual Fund Liquid Fund 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