Nippon India Large Cap Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
11.02%
Chaliye, aaj hum do bade mutual funds ke beech ka comparison karne jaana hai - Nippon India Large Cap Fund aur HDFC Top 100 Fund. Dono fund large cap category mein aaate hain. Ye article humein batayega ki dono fund ke beech kya faayda aur nuksan hain, aur kis fund se aapke paisa sabse zyaada faayda ho sakta hai.
| Parameter | ANippon India Large Cap Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Nippon India | HDFC Mutual Fund |
| Category | Large Cap | Large Cap |
| NAV (₹) | 98.75 | 11.21 |
| AUM (₹ Cr) | 5.17 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.8% | 1.52% |
| Riskometer | Very High | Very High |
| Volatility | 12.25 | 13.06 |
| Sharpe Ratio | 0.73 | 0.35 |
| 1 Year Return (%) | -0.91% | -2.86% |
| 3 Year Return (%) | 15.4% | 11.02% |
| 5 Year Return (%) | 16.46% | 10.33% |
| Since Launch (%) | 15.3% | 4.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 25 June 2014 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Rahul Baijal; Roshi Jain (4.1 years yrs) |
| Benchmark | BSE 100 Total Return Index | Nifty 50 |
| Top 3 Holdings | HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), Reliance Industries Ltd. (4.3%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Equity: 96.43% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 70% | 33% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye Fund A (Nippon India Large Cap Fund) zyaada hi behtar hai. Iska 3Y return 15.4% hai, jo Fund B (HDFC Top 100 Fund) se 4.38% jyada hai. Iske alawa, Fund A ka expense ratio bhi kam hai, 0.8% hi hai, jabki Fund B ka expense ratio 1.52% hai. Riskometer bhi dono fund ko very high risk ka darshata hai, lekin Fund A ka Sharpe ratio 0.73 hai, jo Fund B ka 0.35 se jyada hai. Haan, Fund B ka AUM thoda kam hai, lekin isse aapko pata chalta hai ki Fund A zyaada hi investor ka trust 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 HDFC Top 100 Fund?
- Expense ratio: 1.52%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Haan, SIP suitabilit ka matter hai. Chaliye, hum dono fund ke 1Y return ke baare mein sochte hai. Fund A ka 1Y return -0.91% hai, jabki Fund B ka 1Y return -2.86% hai. Lekin, SIP ke liye hum long-term return dekhate hai. Fund A ka 3Y return 15.4% hai, jabki Fund B ka 3Y return 11.02% hai. Haan, Fund A ka expense ratio bhi kam hai, jisse aapko zyaada hi paise milenge. To, Fund A SIP ke liye zyaada hi behtar fund hai.
⚠️ Risk & Cost Analysis
Risk & cost analysis ke liye hum dono fund ke riskometer, volatility, Sharpe ratio, aur expense ratio dekhenge. Fund A ka riskometer bhi dono fund ko very high risk ka darshata hai, lekin Fund A ka volatility 12.25 hai, jo Fund B ka 13.06 se kam hai. Haan, Fund A ka Sharpe ratio 0.73 hai, jo Fund B ka 0.35 se jyada hai. Iske alawa, Fund A ka expense ratio bhi kam hai, 0.8% hi hai. To, Fund A zyaada hi risk-adjusted returns deta hai.
📊 Portfolio Diversification
Haan, portfolio diversification ke liye hum dono fund ke asset allocation aur top holdings concentration dekhenge. Fund A ka asset allocation 96.43% equity aur 3.57% debt hai, jabki Fund B ka asset allocation 96.00% equity aur 4.00% T-Bills hai. Haan, Fund A ka top holdings concentration bhi kam hai, HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), aur Reliance Industries Ltd. (4.3%) hain. Fund B ka top holdings concentration bhi kam hai, HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) hain. To, Fund A zyaada hi portfolio diversification ka hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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?
Fund A (Nippon India Large Cap Fund) zyaada hi long-term return deta hai. Iska 5Y return 16.46% hai, jo Fund B (HDFC Top 100 Fund) ka 10.33% se jyada hai.
Q2: Is the higher risk fund worth it?
Fund A (Nippon India Large Cap Fund) ka volatility 12.25 hai, jo Fund B (HDFC Top 100 Fund) ka 13.06 se kam hai. Haan, Fund A ka Sharpe ratio bhi jyada hai, 0.73. Iske alawa, Fund A ka expense ratio bhi kam hai, 0.8%. To, Fund A zyaada hi risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
Fund A (Nippon India Large Cap Fund) ka expense ratio 0.8% hai, jo Fund B (HDFC Top 100 Fund) ka 1.52% se kam hai. Haan, Fund A ka Sharpe ratio bhi jyada hai, 0.73. Iske alawa, Fund A ka volatility bhi kam hai, 12.25. To, Fund A zyaada hi 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