Nippon India Large Cap Fund vs Navi 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%
Agar aapko invest karna hai, toh fund chunane mein bahut saari cheezein dekhi jaati hain. Main aaj aapko do fund ke beech meh ka comparison karne wala hoon - Nippon India Large Cap Fund aur Navi Mutual Fund Liquid Fund. Chaliye dekhte hain ki kya fund aapke liye achha hai.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Navi Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 1.56% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.27 | 0.13 |
| Sharpe Ratio | 0.73 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Haan, fund ke beech mein humein ek clear verdict dena hoga. Dekhein - 3 saal kaa return, expense ratio, and risk. Nippon India Large Cap Fund ne 3 saal mein 15.4% ka return diya hai, jo bahut accha hai. Lekin expense ratio bhi bahut jyada hai, 1.56%. Navi Mutual Fund Liquid Fund ka return kam hai, lekin expense ratio bahut kam hai, 0.12%. Sach ye hai, yeh fund long-term mein aapke liye better hai, lekin short-term mein Nippon India Large Cap Fund 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Agar aap SIP karna chahte hain, toh Navi Mutual Fund Liquid Fund better hai. Yeh fund stable return de raha hai, lekin jyada risk nahin hai. Nippon India Large Cap Fund ki volatility bahut jyada hai, jo SIP ke liye nahin achha hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke bare mein dekhein. Nippon India Large Cap Fund ka riskometer very high hai, aur volatility 12.27 hai. Navi Mutual Fund Liquid Fund ka riskometer low hai, aur volatility 0.13 hai. Sharpe ratio ke bare mein bhi dekhein, Navi Mutual Fund Liquid Fund ka sharpe ratio 3.31 hai, jo bahut accha hai. Sach ye hai, Navi Mutual Fund Liquid Fund aapko better risk-adjusted returns de raha hai.
📊 Portfolio Diversification
Asset allocation aur top holdings ke bare mein dekhein. Nippon India Large Cap Fund ka asset allocation 96.43% equity hai, jo bahut jyada hai. Yeh fund sector risk ke liye vulnerable hai. Navi Mutual Fund Liquid Fund ka asset allocation stable hai, aur top holdings meh State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. Yeh fund diversified hai aur sector risk se bacha hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
Navi 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?
Nippon India Large Cap Fund ne 5 saal mein 3.31% ka return diya hai, jo Navi Mutual Fund Liquid Fund ke 6.11% se kam hai.
Q2: Is the higher risk fund worth it?
Nahin, Navi Mutual Fund Liquid Fund ka volatility 0.13 hai, jo Nippon India Large Cap Fund ka 12.27 se kam hai. Sharpe ratio ke bare mein bhi dekhein, Navi Mutual Fund Liquid Fund ka sharpe ratio 3.31 hai, jo Nippon India Large Cap Fund ka 0.73 se kam hai.
Q3: Which fund is more cost-effective?
Navi Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo Nippon India Large Cap Fund ka 1.56% se kam hai. Sach ye hai, Navi 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