Nippon India Large Cap Fund vs HSBC 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%
Kya aapko pata hai ki aapko kis prakaar ke mutual funds mein lagaan dena chaiye? Aaj hum aapko do prakar ke mutual funds ke baare mein batayenge - Nippon India Large Cap Fund aur HSBC Mutual Fund Liquid Fund. Hum aapko kya seekhne ko milega, iske liye aage badhne se pehle dekho!
| Parameter | ANippon India Large Cap Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | HSBC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 98.75 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.8% | 0.13% |
| Riskometer | Very High | Low |
| Volatility | 12.25 | 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 (%) | 16.46% | 6.11% |
| Since Launch (%) | 15.3% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Nippon India Large Cap Fund aur HSBC Mutual Fund Liquid Fund mein se jiski 3Y return sabse adhik hai, voh fund better hai. Expense ratio aur risk bhi dekhte hue, hum kaha sakte hain ki Nippon India Large Cap Fund long-term ke liye better option 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Ek monthly SIP ke liye, hum kaha sakte hain ki HSBC Mutual Fund Liquid Fund better hai. Yah fund consistent returns provide karta hai aur risk bhi kam hai. Lekin, Nippon India Large Cap Fund bhi ek achha option hai, lekin iska 3Y return kam hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karte hue, hum kaha sakte hain ki HSBC Mutual Fund Liquid Fund better option hai. Yah fund kam risk aur kam expense ratio ke saath aata hai. Lekin, Nippon India Large Cap Fund bhi ek achha option hai, lekin iska risk bhi adhik hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karte hue, hum kaha sakte hain ki HSBC Mutual Fund Liquid Fund better diversified hai. Yah fund T-Bills, CD, CP, aur cash mein 100% investment karta hai. Lekin, Nippon India Large Cap Fund bhi ek achha option hai, lekin iska asset allocation kam diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
HSBC 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 ka 5Y return 16.46% hai, jo HSBC Mutual Fund Liquid Fund ka 5Y return 6.11% se adhik hai. Isliye, Nippon India Large Cap Fund long-term ke liye better option hai.
Q2: Is the higher risk fund worth it?
Nippon India Large Cap Fund ka volatility 12.25% hai, jo HSBC Mutual Fund Liquid Fund ka volatility 0.11% se adhik hai. Sharpe ratio bhi Nippon India Large Cap Fund ka 0.73 hai, jo HSBC Mutual Fund Liquid Fund ka 3.91 se kam hai. Isliye, Nippon India Large Cap Fund ki higher risk aapke liye worth nahi hai.
Q3: Which fund is more cost-effective?
HSBC Mutual Fund Liquid Fund ka expense ratio 0.13% hai, jo Nippon India Large Cap Fund ka expense ratio 0.8% se kam hai. Isliye, HSBC Mutual Fund Liquid Fund aapke 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