Nippon India Large Cap Fund vs LIC 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 alag-alag fund hain, Fund A aur Fund B. Fund A ek bada fund hai, jiska category Large Cap hai, jabki Fund B ek liquid fund hai. Aaj hum aapko bataenge ki dono fund me kya kya chhote-bade aise hi hain, aur aapko kya kya sikhne ko milega.
Chaliye, aaiye jante hain dono fund ke baare mein aur unki aise hi kya kya vishishtataen hain.
| Parameter | ANippon India Large Cap Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | LIC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 98.75 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.8% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.25 | 0.12 |
| Sharpe Ratio | 0.73 | 3.58 |
| 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) | Yogesh 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% | 241% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ki 3Y return 15.4% hai, jo bahut hi achhi hai. Lekin, expense ratio 0.8% hai, jo thoda jyada hai. Fund B ki expense ratio 0.12% hai, jo bahut hi kam hai. Haan, Fund B ki riskometer Low hai, lekin Fund A ki 5Y return 16.46% hai, jo Fund B se bahut hi acchi hai. To, aapko decision karna hai ki aapko fund ke liye long-term wealth creation ke liye Fund A ya Fund B better 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
dekho, yadi aapko monthly SIP ke liye 10+ years ke liye fund chunna hai, to Fund B better hai. Fund B ki consistency aur return stability bahut hi achhi hai. Fund A ki 1Y return -0.91% hai, jo Fund B ki 6.17% se bahut kam hai.
⚠️ Risk & Cost Analysis
chaliye, aapko pata hai ki Fund A ka riskometer Very High hai, lekin Fund B ka Low hai. Fund A ki volatility 12.25 hai, jo Fund B ki 0.12 se bahut kam hai. Fund A ka Sharpe ratio 0.73 hai, jo Fund B ki 3.58 se kam hai. Lekin, Fund B ki expense ratio 0.12% hai, jo Fund A ki 0.8% se kam hai. Sach ye hai, Fund B offers better risk-adjusted returns.
📊 Portfolio Diversification
dekho, Fund A ka asset allocation Equity mein 96.43% ho rha hai, jo bahut hi kam hai. Fund B ka asset allocation T-Bills mein 65.00%, CD mein 20.00%, CP mein 10.00%, aur Cash mein 5.00% hai. Haan, Fund B ki top holdings concentration bahut hi kam hai. Fund A ki top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai, jo Fund B ke top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills se alag hain.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
LIC 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?
Answer hai ki Fund A ki 5Y return 16.46% hai, jo Fund B ki 6.11% se bahut acchi hai. Lekin, Fund B ki consistency aur return stability Fund A se acchi hai.
Q2: Is the higher risk fund worth it?
Answer hai ki Fund A ka riskometer Very High hai, lekin Fund A ka Sharpe ratio 0.73 hai, jo Fund B ki 3.58 se kam hai. Haan, Fund A ki returns Fund B se acchi hai, lekin fund ke risk ko consider karna bhi zaroori hai.
Q3: Which fund is more cost-effective?
Answer hai ki Fund B ki expense ratio 0.12% hai, jo Fund A ki 0.8% se kam hai. Haan, Fund B ki exit load N/A hai, lekin Fund A ki exit load bhi N/A 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