Nippon India Large Cap Fund vs PPFAS 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%
Dekho, aaj hum do alag-alag mutual fund options ke beech mein comparison karenge. Fund A, Nippon India Large Cap Fund hai, jiska AUM 51690.28 Cr hai. Fund B, PPFAS Mutual Fund Liquid Fund hai, jiska AUM 44064 Cr hai. Aapko pata chalega ki kis fund mein long-term wealth creation ke liye investment karna hai.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | PPFAS Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 4.41 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B, PPFAS Mutual Fund Liquid Fund, long-term wealth creation ke liye better hai. Iska 3Y return 6.93% hai, jiska 1.56% expense ratio hai. Fund A, Nippon India Large Cap Fund, ka 3Y return 15.4% hai, lekin iska expense ratio 1.56% 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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP suitability ke liye, hum SIP ke liye Fund B, PPFAS Mutual Fund Liquid Fund, better samjhate hain. Iska 1Y return 6.17% hai aur 3Y return 6.93% hai. Fund A ka consistency aur return stability kaam hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye, Fund B, PPFAS Mutual Fund Liquid Fund, better hai. Iska riskometer Low hai aur volatility 0.12 hai. Fund A ka riskometer Very High hai aur volatility 12.27 hai. Sharpe ratio ke liye bhi Fund B better hai, jiska Sharpe ratio 3.58 hai. Fund A ka Sharpe ratio 0.73 hai.
📊 Portfolio Diversification
Asset allocation ke liye, Fund B, PPFAS Mutual Fund Liquid Fund, better hai. Iska asset allocation T-Bills, CD, CP aur Cash mein hai. Fund A ka asset allocation Equity mein hai. Top holdings concentration ke liye, Fund B better hai, jiska 8.5% State Bank of India CD hai aur 7.2% HDFC Bank CD hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
PPFAS 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?
Answer: Fund B, PPFAS Mutual Fund Liquid Fund, 5Y return 6.11% aur 3Y return 6.93% ke liye better hai.
Q2: Is the higher risk fund worth it?
Answer: Naah, Fund A ka higher risk aur lower Sharpe ratio Fund B ke lower risk aur higher Sharpe ratio ke liye poori nahi hai.
Q3: Which fund is more cost‑effective?
Answer: Fund B, PPFAS Mutual Fund Liquid Fund, 0.12% expense ratio ke liye more 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