Nippon India Large Cap Fund vs LIC Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
20.86%
Aaj hum do mutual funds ke beech ka comparison karne ja rahe hain, Nippon India Large Cap Fund aur LIC Mutual Fund Multi Cap Fund. Ye do funds apne kisi apne category me hain, Large Cap aur Multi Cap. Ye fund dono investors ke liye ek accha vikalp ho sakte hain jinke paas 10+ saal ka SIP lagane ka plan hai. Chaliye dekhna kya fund dono ke beech mein kya farq hai aur kis fund mein investment karna achha hai.
[VERDICT]| Parameter | ANippon India Large Cap Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Nippon India | LIC Mutual Fund |
| Category | Large Cap | Multi Cap |
| NAV (₹) | 98.75 | 19.01 |
| AUM (₹ Cr) | 5.17 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 0.8% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 12.25 | 13.9 |
| Sharpe Ratio | 0.73 | 1.03 |
| 1 Year Return (%) | -0.91% | 5.23% |
| 3 Year Return (%) | 15.4% | 20.86% |
| 5 Year Return (%) | 16.46% | 11.46% |
| Since Launch (%) | 15.3% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 February 2023 |
| 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 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), Reliance Industries Ltd. (4.3%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Equity: 96.43% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 70% | 38% |
🤖 AI Verdict – Which is Better?
Haan, dono fundon ka 3Y return bahut achha hai lekin Fund A ki expense ratio kam hai. Fund A ka 3Y return 15.4% hai, jiska mukhya kaaran hai ki yeh fund apne 96.43% asset allocation equity me deti hai. Lekin yeh fund riskometer ke hisab se bhi bahut high hai, jiska mukhya kaaran hai ki yeh fund apne 12.25% volatility se jodta hai. Fund B ka 3Y return 20.86% hai, lekin yeh fund apne expense ratio se jodta hai. Haan, Fund B ka expense ratio Fund A ka kam hai, lekin yeh fund apne asset allocation aur holdings ke hisab se bhi bahut accha hai. Toh, humein lagta hai ki Fund B better fund hai.
[SIP_SUITABILITY]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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
SIP ke liye, humein lagta hai ki Fund B better fund hai. Fund B ka 3Y return 20.86% hai, jiska mukhya kaaran hai ki yeh fund apne asset allocation aur holdings ke hisab se bhi bahut accha hai. Fund B ka consistency aur return stability bhi Fund A se thoda accha hai. Lekin yeh fund apne expense ratio se jodta hai, jiska mukhya kaaran hai ki yeh fund apne asset allocation aur holdings ke hisab se bhi bahut accha hai. Toh, humein lagta hai ki Fund B SIP ke liye better fund hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Haan, dono fundon ka riskometer high hai lekin Fund B ka Sharpe ratio Fund A se thoda accha hai. Fund B ka Sharpe ratio 1.03 hai, jiska mukhya kaaran hai ki yeh fund apne asset allocation aur holdings ke hisab se bhi bahut accha hai. Fund A ka Sharpe ratio 0.73 hai, jiska mukhya kaaran hai ki yeh fund apne expense ratio aur volatility ke hisab se bhi bahut accha hai. Lekin yeh fund apne riskometer ke hisab se bhi bahut high hai, jiska mukhya kaaran hai ki yeh fund apne asset allocation aur holdings ke hisab se bhi bahut accha hai. Toh, humein lagta hai ki Fund B risk & cost ke hisab se better fund hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Haan, dono fundon ka asset allocation apne category ke hisab se accha hai. Fund A ka asset allocation 96.43% hai, jiska mukhya kaaran hai ki yeh fund apne equity holdings ke hisab se bhi bahut accha hai. Fund B ka asset allocation 97.00% hai, jiska mukhya kaaran hai ki yeh fund apne equity holdings ke hisab se bhi bahut accha hai. Lekin yeh fund apne T-Bills holdings ke hisab se bhi bahut accha hai. Toh, humein lagta hai ki Fund B portfolio diversification ke hisab se better fund hai.
[FAQ]SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
LIC Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Sach ye hai, Fund B ka 5Y return 11.46% hai, jiska mukhya kaaran hai ki yeh fund apne asset allocation aur holdings ke hisab se bhi bahut accha hai. Yeh fund long run mein better returns deti hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility Fund A se thoda accha hai, jiska mukhya kaaran hai ki yeh fund apne asset allocation aur holdings ke hisab se bhi bahut accha hai. Lekin yeh fund apne Sharpe ratio se jodta hai, jiska mukhya kaaran hai ki yeh fund apne riskometer aur expense ratio ke hisab se bhi bahut accha hai. Toh, humein lagta hai ki Fund B higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio Fund B se thoda kam hai, jiska mukhya kaaran hai ki yeh fund apne asset allocation aur holdings ke hisab se bhi bahut accha hai. Lekin yeh fund apne riskometer aur volatility ke hisab se bhi bahut accha hai. Toh, humein lagta hai ki Fund A more cost-effective fund 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