Nippon India Large Cap Fund vs UTI 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, aapke paas do fund hain - Nippon India Large Cap Fund aur UTI Liquid Fund - jinke category aur performance ke baare mein hum aaj jaanenge. is article mein hum aapko bataenge ki konsa fund aapke liye adhik upyukt hai aur kyun.
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | UTI Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 3.63 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
haan, aapke liye humara verdict hai ki UTI Mutual Fund Liquid Fund Direct Plan Growth fund aapke liye adhik upyukt hai. iska reason hai ki 3Y return bahut accha hai, expense ratio bahut kam hai aur riskometer low hai. lekin agar aap long-term wealth creation ke liye invest karna chahte hain, to Nippon India Large Cap Fund Regular Plan Growth fund aapke liye adhik upyukt 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
dekho, agar aap monthly SIP ke liye invest karna chahte hain, to Nippon India Large Cap Fund Regular Plan Growth fund aapke liye adhik upyukt hai. iska reason hai ki 3Y return bahut accha hai aur expense ratio kam hai. lekin agar aap monthly SIP ke liye invest karna chahte hain aur long-term wealth creation ke liye invest karna chahte hain, to UTI Mutual Fund Liquid Fund Direct Plan Growth fund aapke liye adhik upyukt hai.
⚠️ Risk & Cost Analysis
dekho, Nippon India Large Cap Fund Regular Plan Growth fund ka riskometer very high hai, volatility 12.27 hai aur expense ratio 1.56% hai. lekin sharpe ratio 0.73 hai, jo thoda accha hai. UTI Mutual Fund Liquid Fund Direct Plan Growth fund ka riskometer low hai, volatility 0.11 hai aur expense ratio 0.12% hai. lekin sharpe ratio 3.91 hai, jo bahut accha hai. isliye, UTI Mutual Fund Liquid Fund Direct Plan Growth fund aapke liye adhik upyukt hai.
📊 Portfolio Diversification
dekho, Nippon India Large Cap Fund Regular Plan Growth fund ka asset allocation equity 96.43% hai, jo bahut jyada hai. lekin top 3 holdings concentration bahut kam hai, HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), Reliance Industries Ltd. (4.3%). UTI Mutual Fund Liquid Fund Direct Plan Growth fund ka asset allocation T-Bills 65.00% hai, CD 20.00% hai, CP 10.00% hai, aur cash 5.00% hai. lekin top 3 holdings concentration bahut jyada hai, State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%). isliye, UTI Mutual Fund Liquid Fund Direct Plan Growth fund ka portfolio diversification adhik accha hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
UTI 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, UTI Mutual Fund Liquid Fund Direct Plan Growth fund 5Y/3Y returns mein adhik accha hai.
Q2: Is the higher risk fund worth it?
na, Nippon India Large Cap Fund Regular Plan Growth fund ka volatility 12.27 hai, jo bahut jyada hai. lekin sharpe ratio 0.73 hai, jo thoda accha hai. isliye, UTI Mutual Fund Liquid Fund Direct Plan Growth fund aapke liye adhik upyukt hai.
Q3: Which fund is more cost-effective?
sach ye hai, UTI Mutual Fund Liquid Fund Direct Plan Growth fund expense ratio 0.12% hai, jo bahut kam hai. lekin Nippon India Large Cap Fund Regular Plan Growth fund expense ratio 1.56% hai, jo bahut jyada hai. isliye, UTI Mutual Fund Liquid Fund Direct Plan Growth fund aapke liye adhik 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