Nippon India Large Cap Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
6.96%
Aapko kya chahiye? Ek senior SEBI-registered financial advisor ke roop mein hum aapko Fund A aur Fund B ke beech ka comparison karte hain. Ye do funds Nippon India Large Cap Fund aur Nippon India Liquid Fund ke Direct Plan - Growth vikalp hain. Aapko is article mein iske 3Y return, expense ratio, aur riskometer ke basis par ek clear verdict milega. Dekho, kya fund aapke long-term wealth creation ke liye better hai!
| Parameter | ANippon India Large Cap Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Nippon India |
| Category | Large Cap | Liquid |
| NAV (₹) | 98.75 | 6813.87 |
| AUM (₹ Cr) | 5.17 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.8% | 0.2% |
| Riskometer | Very High | Low |
| Volatility | 12.25 | 0.12 |
| Sharpe Ratio | 0.73 | 3.83 |
| 1 Year Return (%) | -0.91% | 6.21% |
| 3 Year Return (%) | 15.4% | 6.96% |
| 5 Year Return (%) | 16.46% | 6.14% |
| Since Launch (%) | 15.3% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | Equity: 96.43% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 70% | 260% |
🤖 AI Verdict – Which is Better?
Haan, fund A aur fund B dono hi aapke long-term wealth creation ke liye achhe hain, lekin fund A (Nippon India Large Cap Fund) better hai. Fund A ka 3Y return 15.4% hai, jisse iska 5Y return 16.46% bhi hua hai. Expense ratio bhi kam hai, 0.8%, aur riskometer bhi high hai, isse aapko acchi return mil sakti hai. Fund B (Nippon India Liquid Fund) ka 3Y return 6.96% hai, lekin expense ratio 0.2% hai, jisse iski 5Y return 6.14% hai. Fund A better hai, kyonki iska 3Y return aur 5Y return fund B se jyada hai aur expense ratio kam 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye fund A aur fund B dono hi achhe hain, lekin fund A better hai. Fund A ka 5Y return 16.46% hai, jisse fund B ka 5Y return 6.14% se jyada hai. Fund A ka expense ratio bhi kam hai, 0.8%, aur riskometer bhi high hai, isse aapko acchi return mil sakti hai. Fund B ka expense ratio 0.2% hai, lekin iska 5Y return fund A se kam hai. Fund A SIP ke liye better hai, kyonki iska return stability aur consistency fund B ke liye achhi hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke basis par fund B better hai. Fund B ka riskometer low hai, jisse volatility bhi kam hai, 0.12%. Sharpe ratio bhi high hai, 3.83%, jisse fund A ka Sharpe ratio 0.73 se jyada hai. Expense ratio bhi kam hai, 0.2%, aur fund B ka 5Y return 6.14% hai, jisse fund A ka 5Y return 16.46% hai. Fund B risk-adjusted returns better hai.
📊 Portfolio Diversification
Fund A aur fund B dono hi asset allocation mein alag hain. Fund A ka asset allocation equity mein 96.43% hai, jisse fund B ka asset allocation CP, CD, T-Bills, debenture, SDL, aur debt mein 50.93%, 33.36%, 12.23%, 0.79%, 0.12%, aur 0.08% hai. Fund A ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain, jisse fund B ka top 3 holdings Reserve Bank of India, Reserve Bank of India, aur National Bank For Agriculture & Rural Development hain. Fund A ka portfolio diversified hai, lekin fund B ka portfolio bhi diversified hai.
Q1: Which fund gives better returns in the long run?
Sach ye hai, fund A (Nippon India Large Cap Fund) ka 5Y return 16.46% hai, jisse fund B (Nippon India Liquid Fund) ka 5Y return 6.14% se jyada hai. Fund A long run mein better return deta hai.
Q2: Is the higher risk fund worth it?
Haan, fund A (Nippon India Large Cap Fund) ka riskometer very high hai, jisse volatility bhi high hai, 12.25%. Sharpe ratio bhi kam hai, 0.73%, lekin fund A ka 5Y return 16.46% hai, jisse fund B ka 5Y return 6.14% se jyada hai. Fund A ka higher risk worth hai, kyonki iska return jyada hai.
Q3: Which fund is more cost-effective?
Fund B (Nippon India Liquid Fund) ka expense ratio 0.2% hai, jisse fund A (Nippon India Large Cap Fund) ka expense ratio 0.8% se jyada hai. Fund B cost-effective hai, kyonki iska expense ratio kam hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@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