Nippon India Multi Cap Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
19.38%
3Y Return
6.98%
Arre dekho, aapke paas do mutual funds hain – Nippon India Multi Cap Fund aur Bandhan Mutual Fund Liquid Fund. Fund A ek multi-cap fund hai, jabki Fund B ek liquid fund hai. Chaliye, aaj hum aapko batayenge ki kis fund mein aapko invest karna chahiye aur kyun.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Bandhan Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 39.33 |
| AUM (₹ Cr) | 5.26 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.84% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 14.38 | 0.12 |
| Sharpe Ratio | 0.9 | 4 |
| 1 Year Return (%) | 1.81% | 1.41% |
| 3 Year Return (%) | 19.38% | 6.98% |
| 5 Year Return (%) | 20.94% | 5.96% |
| Since Launch (%) | 15.99% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Manish Gunwani (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% | 251% |
🤖 AI Verdict – Which is Better?
Haan, our verdict hai ki Fund A better hai. Fund A ka 3Y return 19.38% hai, expense ratio 0.84% hai, lekin riskometer Very High hai. Fund B ka 3Y return 6.98% hai, lekin expense ratio 0.12% hai. Sach ye hai, Fund A long-term mein aapke liye better 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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Arre dekho, SIP suitabilita mein Fund B better hai. Fund B ka 1Y return 1.41% hai, lekin it's consistency aur return stability mein better hai. Fund A ka 1Y return 1.81% hai, lekin it's consistency aur return stability mein better nahin hai.
⚠️ Risk & Cost Analysis
Haan, hum dekhenge ki kis fund mein aapko invest karna chahiye. Fund A ka riskometer Very High hai, volatility 14.38 hai, Sharpe ratio 0.9 hai, aur expense ratio 0.84% hai. Fund B ka riskometer Low hai, volatility 0.12 hai, Sharpe ratio 4 hai, aur expense ratio 0.12% hai. Sach ye hai, Fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Arre dekho, asset allocation mein Fund B better hai. Fund B ka asset allocation T-Bills mein 65.00% hai, CD mein 20.00% hai, CP mein 10.00% hai, aur cash mein 5.00% hai. Fund A ka asset allocation equity mein 99.5% hai, jiski concentration risk hai. Sach ye hai, Fund B portfolio diversification mein better hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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 hai ki Fund A 3Y aur 5Y mein better returns deta hai - 19.38% aur 20.94%, jabki Fund B 3Y aur 5Y mein 6.98% aur 5.96% returns deta hai.
Q2: Is the higher risk fund worth it?
Answer hai ki Fund A ka riskometer Very High hai, volatility 14.38 hai, aur Sharpe ratio 0.9 hai, jabki Fund B ka riskometer Low hai, volatility 0.12 hai, aur Sharpe ratio 4 hai. Fund A mein aapko high returns mile, lekin Fund B mein aapko stable returns mile.
Q3: Which fund is more cost-effective?
Answer hai ki Fund B expense ratio 0.12% hai, jabki Fund A expense ratio 0.84% hai. Fund B mein aapko cost-effective investment milta 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