Nippon India Large Cap Fund vs PPFAS 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%
Yeh dono funds kaise hain? Fund A Large Cap Fund hai, jo 10 se zyada saal ke long-term wealth creation ke liye achi hai. Fund B Liquid Fund hai, jo short-term liquidity aur stability ke liye upyukt hai. Is article mein hum dekheinge ki Fund A aur Fund B mein kya antar hai aur kis fund ka long-term wealth creation ke liye upyog karna chahiye.
| Parameter | ANippon India Large Cap Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | PPFAS Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 98.75 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 4.41 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Chaliye fundon ka verdict dekhna hai. Fund A ka 3Y return 15.4% hai, jo bahut acha hai. Lekin expense ratio 0.8% hai, jo thoda zyada hai. Fund B ka 3Y return 6.93% hai, jo kam hai. Lekin expense ratio 0.12% hai, jo bahut kam hai. Sach ye hai, Fund B better hai long-term wealth creation ke liye.
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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP (Systematic Investment Plan) karna hai to? Fund A aur Fund B mein SIP karna kis fund ke liye upyukt hai? Fund A ka 3Y return consistent hai, lekin Fund B ka return stability mein kam hai. Lekin Fund B ka expense ratio bahut kam hai, jo SIP ke liye upyukt hai. Haan, Fund B SIP ke liye upyukt hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke hisaab se Fund A aur Fund B ka risk-adjusted return dekhein. Fund A ka riskometer Very High hai, jo zyada risk hai. Volatility 12.25% hai, jo bahut zyada hai. Sharpe ratio 0.73 hai, jo kam hai. Fund B ka riskometer Low hai, jo kam risk hai. Volatility 0.12% hai, jo kam hai. Sharpe ratio 3.58 hai, jo bahut acha hai. Sach ye hai, Fund B mein better risk-adjusted return hai.
📊 Portfolio Diversification
Asset allocation aur top holdings ke hisaab se Fund A aur Fund B ka portfolio diversification dekhein. Fund A ka asset allocation Equity 96.43% hai, jo zyada concentrated hai. Top 3 holdings HDFC Bank, ICICI Bank aur Reliance Industries hai, jo sector risk hai. Fund B ka asset allocation T-Bills, CD, CP aur Cash mein 65%, 20%, 10% aur 5% hai, jo kam concentrated hai. Top 3 holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hai, jo sector risk kam hai. Sach ye hai, Fund B mein better portfolio diversification hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
PPFAS 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?
Fund A ka 5Y return 16.46% hai, jo Fund B ka 5Y return 6.11% se zyada hai. Lekin Fund B ka expense ratio bahut kam hai. Haan, Fund A long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Fund A ka riskometer Very High hai, jo zyada risk hai. Volatility 12.25% hai, jo bahut zyada hai. Sharpe ratio 0.73 hai, jo kam hai. Fund B ka riskometer Low hai, jo kam risk hai. Volatility 0.12% hai, jo kam hai. Sharpe ratio 3.58 hai, jo bahut acha hai. Lekin Fund A ka long-term return Fund B se zyada hai. Haan, Fund A ka higher risk worth hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.8% hai, jo Fund B ka expense ratio 0.12% se zyada hai. Haan, 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