Nippon India Large Cap Fund vs UTI 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%
Ab humein do funds ke beech kuch mahatvapoorn tarko par charcha karni hogi. Fund A Nippon India Large Cap Fund hai aur iska category Large Cap hai. Fund B UTI Mutual Fund Liquid Fund hai aur iska category Liquid Fund hai. Aaj hum is article mein Fund A aur Fund B ke beech kuch mahatvapoorn tarko par charcha karenge. Dekho, Fund A aur Fund B dono mein kya aisa hai jo unhein alag banata hai.
| Parameter | ANippon India Large Cap Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | UTI Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 98.75 | 5622.79 |
| AUM (₹ Cr) | 5.17 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.8% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.25 | 0.11 |
| Sharpe Ratio | 0.73 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B UTI Mutual Fund Liquid Fund hai, jo low risk vallabh hai. Lekin, Fund A Nippon India Large Cap Fund bhi ek achha fund hai, lekin yeh very high risk vallabh hai. Haan, 3Y return aur expense ratio ke hisaab se, Fund B bahut achha fund hai. Dekho, ismein 6.93% ki return hai aur expense ratio 0.12% hai. Fund A mein 15.4% ki return hai, lekin expense ratio 0.8% hai. Chaliye, Fund B ko prefer karna chahiye.
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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye Fund B bahut achha hai. Ismein consistency aur return stability bahut achhi hai. Dekho, ismein 1Y return 6.17% hai aur 3Y return 6.93% hai. Fund A mein 1Y return -0.91% hai aur 3Y return 15.4% hai. Lekin, Fund A mein ek bar 15.4% ki return hai, jiska matlab hai ki yeh Fund B se zyada riski hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke hisaab se Fund B bahut achha hai. Dekho, Fund B mein riskometer low hai, jiska matlab hai ki yeh kam riski hai. Fund A mein riskometer very high hai, jiska matlab hai ki yeh bahut riski hai. Volatility ke hisaab se bhi Fund B bahut achha hai. Fund A mein volatility 12.25 hai, jiska matlab hai ki yeh bahut riski hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye Fund B bahut achha hai. Dekho, Fund B mein T-Bills aur CD ki allocation bahut achhi hai. Fund A mein equity ki allocation bahut high hai, jiska matlab hai ki yeh bahut riski hai. Top holdings concentration ke liye bhi Fund B bahut achha hai. Fund B mein top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Fund A mein top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
UTI 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: Fund B UTI Mutual Fund Liquid Fund hai, jo 5Y aur 3Y return ki jaankari ke hisaab se bahut accha fund hai.
Q2: Is the higher risk fund worth it?
Answer: Nahin, Fund A Nippon India Large Cap Fund kam riski fund mein se bahut riski hai aur volatility bhi bahut high hai. Sharpe ratio ke hisaab se bhi Fund B bahut achha fund hai.
Q3: Which fund is more cost‑effective?
Answer: Fund B UTI Mutual Fund Liquid Fund hai, jo expense ratio 0.12% hai. Fund A Nippon India Large Cap Fund mein expense ratio 0.8% hai, jiska matlab hai ki yeh Fund B se kam 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