Nippon India Large Cap Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
6.97%
Dekho, aaj hum do funds ke beech ka comparison karne ja rahe hain - Nippon India Large Cap Fund aur JM Financial Liquid Fund. Ye dono funds Indian investors ke liye vistrit options hain, lekin koi bhi fund market ki sabse badi chunautiyon ke saath aata hai. Aaj hum aapko btayeinge ki kisi bhi fund ke beech kya differences hain aur kise fund ke liye aapke paas kaafi achha options hai.
| Parameter | ANippon India Large Cap Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | JM Financial |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 98.75 | 363.19 |
| AUM (₹ Cr) | 5.17 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.8% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.25 | 0.12 |
| Sharpe Ratio | 0.73 | 3.92 |
| 1 Year Return (%) | -0.91% | 6.21% |
| 3 Year Return (%) | 15.4% | 6.97% |
| 5 Year Return (%) | 16.46% | 6.16% |
| Since Launch (%) | 15.3% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Hum aapko kehne ja rahe hain ki yadi aap long-term wealth creation ke liye invest karna chahte hain, to Nippon India Large Cap Fund hi aapke liye sabse accha fund hai. Is fund ka 3Y return 15.4% hai, jo ki bahut hi achha hai. Sath hi is fund ka expense ratio bhi 0.8% hai, jo ki anya funds ke muqabal mein kam hai. Baaki is fund ki riskometer very high hai, lekin yadi aap risk ko sahan kar sakte hain, to is fund se aapko bahut hi achha return mil sakta 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Koi bhi fund mein SIP karna ek achhi idea hai, lekin yadi aap long-term mein invest karna chahte hain, to hum aapko kehne ja rahe hain ki Nippon India Large Cap Fund hi aapke liye sabse accha fund hai. Is fund ka 3Y return 15.4% hai, jo ki koi bhi liquid fund se adhik hai. Sath hi is fund ka consistency bhi bahut hi achha hai, jisse aapko long-term mein bahut hi achha return mil sakta hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se dekha jaye, to Nippon India Large Cap Fund ka riskometer very high hai, lekin yadi aap volatility ke hisab se dekhte hain, to is fund ki volatility 12.25 hai, jo ki anya funds ke muqabal mein kam hai. Sharpe ratio ke hisab se bhi dekha jaye, to Nippon India Large Cap Fund ka Sharpe ratio 0.73 hai, jo ki koi bhi fund se adhik hai. Sath hi is fund ka expense ratio bhi 0.8% hai, jo ki anya funds ke muqabal mein kam hai.
📊 Portfolio Diversification
Nippon India Large Cap Fund mein asset allocation 96.43% hai, jo ki koi bhi fund se adhik hai. Sath hi is fund ka top holdings concentration bhi bahut hi achha hai, jisse aapko long-term mein bahut hi achha return mil sakta hai. Baaki is fund ki sector risk bhi kam hai, jisse aapko long-term mein bahut hi achha return mil sakta hai.
Q1: Which fund gives better returns in the long run?
Nippon India Large Cap Fund ka 5Y return 16.46% hai, jo ki JM Financial Liquid Fund ka 5Y return 6.16% se kai ghante adhik hai. Isliye hum aapko kehne ja rahe hain ki Nippon India Large Cap Fund aapke liye long-run investment ke liye sabse accha fund hai.
Q2: Is the higher risk fund worth it?
Nippon India Large Cap Fund ka riskometer very high hai, lekin yadi aap volatility ke hisab se dekhte hain, to is fund ki volatility 12.25 hai, jo ki anya funds ke muqabal mein kam hai. Sharpe ratio ke hisab se bhi dekha jaye, to Nippon India Large Cap Fund ka Sharpe ratio 0.73 hai, jo ki koi bhi fund se adhik hai. Isliye hum aapko kehne ja rahe hain ki Nippon India Large Cap Fund ki higher risk se aapko bahut hi achha return mil sakta hai.
Q3: Which fund is more cost-effective?
Nippon India Large Cap Fund ka expense ratio 0.8% hai, jo ki JM Financial Liquid Fund ka expense ratio 0.12% se kai ghante adhik hai. Isliye hum aapko kehne ja rahe hain ki Nippon India Large Cap Fund aapke liye cost-effective fund hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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