Nippon India Large Cap Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
6.85%
Ab aap dekho, Fund A aur Fund B mein kya antar hai. Fund A Large Cap Fund hai aur Fund B Liquid Fund. Aaj hum yahaan Fund A aur Fund B ke beech ka ullekh karenge aur aapko pata lagayenge ki yeh fund kya chune hain.
| Parameter | ANippon India Large Cap Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Aditya Birla Sun Life |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 98.75 | 443.77 |
| AUM (₹ Cr) | 5.17 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.8% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.25 | 0.13 |
| Sharpe Ratio | 0.73 | 2.69 |
| 1 Year Return (%) | -0.91% | 6.09% |
| 3 Year Return (%) | 15.4% | 6.85% |
| 5 Year Return (%) | 16.46% | 6.05% |
| Since Launch (%) | 15.3% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | BSE 100 Total Return Index | 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% | 279% |
🤖 AI Verdict – Which is Better?
Agar hum long-term wealth creation ke liye fund chunenge, to Fund B Aditya Birla Sun Life Liquid Fund bhaari hain. Iska 3Y return 6.85% hai aur expense ratio 0.12% hai, jo Fund A ki tule ki compare mein kam hai. Haan, Fund A ka 3Y return 15.4% hai, lekin yeh riskometer Very High hai, jo Fund B se kaha se bhi adhik hai. Chaliye, Fund B long-term wealth creation ke liye acha fund hai.
Why consider Nippon India Large Cap Fund?
- Expense ratio: 0.8%
- 3Y return: 15.4%
- AUM: 5.17 Lac Cr
- Sharpe Ratio: 0.73
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Agar aap monthly SIP ke liye fund chunenge, to Fund B acha fund hai. Fund B ka consistency aur return stability Fund A se zyada hai. Dekho, Fund B ka 1Y return 6.09% hai, jo Fund A ka 1Y return -0.91% se kaha se bhi adhik hai. Haan, Fund A ka 3Y return Fund B se adhik hai, lekin yeh riskometer Very High hai, jo SIP ke liye nahi sahi hai.
⚠️ Risk & Cost Analysis
Ab aap dekho, Fund B ka riskometer Low hai, jo Fund A ka Very High riskometer se kaha se bhi kam hai. Volatility ka dhyaan rakhein, jo Fund A ka 12.25 hai, jo Fund B ka 0.13 se kaha se bhi adhik hai. Lekin Sharpe ratio ka dhyaan rakhein, jo Fund B ka 2.69 hai, jo Fund A ka 0.73 se kaha se bhi adhik hai. Haan, expense ratio ka dhyaan rakhein, jo Fund B ka 0.12% hai, jo Fund A ka 0.8% se kam hai. Sach ye hai, Fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Ab aap dekho, Fund B ka asset allocation T-Bills, CD, CP, aur Cash mein hai, jo diversification ke liye accha hai. Haan, Fund A ka asset allocation Equity mein hai, jo sector risk se jukti hai. Dekho, Fund A ka top 3 holdings HDFC Bank, ICICI Bank, aur Reliance Industries mein hai, jo sector risk se jukti hai. Haan, Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai, jo diversification ke liye accha hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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?
Ismein 5Y aur 3Y returns dekhein. Fund B ka 5Y return 6.05% hai aur 3Y return 6.85% hai, jo Fund A ka 5Y return 16.46% aur 3Y return 15.4% se kam hai. Haan, Fund A ka short-term return Fund B se adhik hai, lekin long-term return mein Fund B acha hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ka dhyaan rakhein. Fund A ka volatility 12.25 hai, jo Fund B ka 0.13 se kaha se bhi adhik hai. Haan, Fund A ka Sharpe ratio 0.73 hai, jo Fund B ka 2.69 se kam hai. Haan, Fund B ka higher Sharpe ratio hai, jo Fund A ke high risk se jukti hai.
Q3: Which fund is more cost-effective?
Expense ratio ka dhyaan rakhein. Fund B ka expense ratio 0.12% hai, jo Fund A ka 0.8% se kam hai. Haan, Fund B 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