Nippon India Multi Cap Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
19.38%
3Y Return
6.85%
Agar aap ek ek investment fund chunna chahte hain, toh aaj hum do fund ke beech ka comparison karenge. Nippon India Multi Cap Fund aur Aditya Birla Sun Life Liquid Fund dono hain, lekin unki investment style aur risk level bahut alag hai. Dekho, kya fund aapke long-term wealth creation ke liye achha hai?
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Aditya Birla Sun Life |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 443.77 |
| AUM (₹ Cr) | 5.26 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.84% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 14.38 | 0.13 |
| Sharpe Ratio | 0.9 | 2.69 |
| 1 Year Return (%) | 1.81% | 6.09% |
| 3 Year Return (%) | 19.38% | 6.85% |
| 5 Year Return (%) | 20.94% | 6.05% |
| Since Launch (%) | 15.99% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (6.16%), ICICI Bank Ltd. (4.1%), Axis Bank Ltd. (3.41%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 99.5% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 89% | 279% |
🤖 AI Verdict – Which is Better?
Nippon India Multi Cap Fund aur Aditya Birla Sun Life Liquid Fund dono fund hain, lekin unki performance bahut alag hai. Fund A ka 3Y return 19.38% hai, jabki Fund B ka 3Y return 6.85% hai. Lekin expense ratio ka mukhya dhyan dena hoga. Fund A ka expense ratio 0.84% hai, jabki Fund B ka expense ratio 0.12% hai. Haan, riskometer bhi ek bahut bada factor hai. Fund A ka riskometer very high hai, jabki Fund B ka riskometer low hai. Sach ye hai, Fund B Fund A ke liye better option hai.
Why consider Nippon India Multi Cap Fund?
- Expense ratio: 0.84%
- 3Y return: 19.38%
- AUM: 5.26 Lac Cr
- Sharpe Ratio: 0.9
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Aap monthly SIP ke liye kis fund ko chunne ka vichar kar rahe hain? Fund A ka consistency aur return stability dekho. Fund A ka 1Y return 1.81% hai, jabki Fund B ka 1Y return 6.09% hai. Lekin 3Y return ka dhyan dena hoga. Fund A ka 3Y return 19.38% hai, jabki Fund B ka 3Y return 6.85% hai. Chaliye, Fund A SIP ke liye better option hai.
⚠️ Risk & Cost Analysis
Fund A aur Fund B ke riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karein. Fund A ka riskometer very high hai, jabki Fund B ka riskometer low hai. Fund A ka volatility 14.38 hai, jabki Fund B ka volatility 0.13 hai. Sharpe ratio ka dhyan dena hoga. Fund A ka Sharpe ratio 0.9 hai, jabki Fund B ka Sharpe ratio 2.69 hai. Expense ratio ka dhyan dena hoga. Fund A ka expense ratio 0.84% hai, jabki Fund B ka expense ratio 0.12% hai. Sach ye hai, Fund B Fund A se better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Fund A aur Fund B ke asset allocation aur top holdings concentration ka comparison karein. Fund A ka asset allocation equity mein 99.5% hai, jabki Fund B ka asset allocation T-Bills, CD, CP aur cash mein 65%, 20%, 10% aur 5% hai. Top holdings concentration ka dhyan dena hoga. Fund A ka top holdings HDFC Bank, ICICI Bank aur Axis Bank mein 6.16%, 4.1% aur 3.41% hai, jabki Fund B ka top holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein 8.5%, 7.2% aur 6.8% hai. Chaliye, Fund B Fund A se better diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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 20.94% hai, jabki Fund B ka 5Y return 6.05% hai. Fund A Fund B se better returns provide karta hai.
Q2: Is the higher risk fund worth it?
Fund A ka riskometer very high hai, jabki Fund B ka riskometer low hai. Lekin Fund B ka Sharpe ratio 2.69 hai, jabki Fund A ka Sharpe ratio 0.9 hai. Fund B Fund A se better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 0.84% hai. Fund B Fund A se 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