Nippon India Large Cap Fund vs Navi 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%
Chaliye, dekho, Fund A aur Fund B ka comparison karte hain. Fund A, Nippon India Large Cap Fund, ek Large Cap fund hai, jabki Fund B, Navi Mutual Fund Liquid Fund, ek Liquid fund hai. In donon funds ka comparison karte hue hum apko batayenge ki kis fund ki vajah se aapko long-term wealth creation hota hai.
| Parameter | ANippon India Large Cap Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Navi Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 98.75 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.8% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.25 | 0.13 |
| Sharpe Ratio | 0.73 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ki 3Y return 15.4% hai, jabki Fund B ki 3Y return 6.93% hai. Lekin expense ratio ke maamle mein, Fund B thoda behtar hai, kyonki uska expense ratio 0.12% hai, jabki Fund A ka 0.8% hai. Haan, Fund A ki riskometer Very High hai, jabki Fund B ki Low hai. Isliye, agar aap long-term wealth creation chahte hain, toh Fund A aur Fund B ke beech se Fund A kaafi accha fund 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Ek monthly SIP ke liye, Fund B aur Fund A donon hi acche hain. Lekin, agar aap 10+ saal ke liye SIP karte hain, toh Fund A kaafi accha fund hai. Fund B ki return stability thodi kam hai, lekin iska expense ratio kafi kam hai. Haan, Fund A ki consistency bhi thodi kam hai, lekin iska return stability aur consistency Fund B se thoda behtar hai.
⚠️ Risk & Cost Analysis
Volatility ke maamle mein, Fund A ka volatility 12.25 hai, jabki Fund B ka 0.13 hai. Sharpe ratio ke maamle mein, Fund B ka Sharpe ratio 3.31 hai, jabki Fund A ka 0.73 hai. Expense ratio ke maamle mein, Fund B ka expense ratio 0.12% hai, jabki Fund A ka 0.8% hai. Isliye, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke maamle mein, Fund A ki asset allocation 96.43% equity hai, jabki Fund B ki asset allocation T-Bills, CD, CP, aur cash mein 100% hai. Top holdings concentration ke maamle mein, Fund A ki top 3 holdings HDFC Bank, ICICI Bank, aur Reliance Industries hai, jabki Fund B ki top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Isliye, Fund B ka portfolio thoda behtar diversification hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
Navi 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?
Sach ye hai, Fund A ki 5Y return 16.46% hai, jabki Fund B ki 6.11% hai. Isliye, Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk fund hai, lekin uska return bhi thoda behtar hai. Fund B ka Sharpe ratio 3.31 hai, jabki Fund A ka 0.73 hai. Isliye, Fund A ka higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jabki Fund A ka 0.8% hai. Isliye, Fund B 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