Nippon India Multi Cap Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
19.38%
3Y Return
6.92%
Dekho, aap logon ko lagta hai ki kya chahiye aur kya nahin, lekin kuch samay se hum fund invest karne ka vichaar karte hain, lekin isme se pehle kuch jaankari aur vichar karnaa zaroori hai. Aaj hum 2 different funds ke beech mein comparison karenge, jinka naam hai Nippon India Multi Cap Fund aur Baroda BNP Paribas Liquid Fund. Ye dono funds kai tarah se alag hain, lekin kya fund aapke liye best hai, iska jaan karne ke liye hum is article mein aapko sabse zaroori jaankari di jayegi.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Baroda BNP Paribas |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 3208.35 |
| AUM (₹ Cr) | 5.26 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.84% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 14.38 | 0.11 |
| Sharpe Ratio | 0.9 | 3.82 |
| 1 Year Return (%) | 1.81% | 6.16% |
| 3 Year Return (%) | 19.38% | 6.92% |
| 5 Year Return (%) | 20.94% | 6.14% |
| Since Launch (%) | 15.99% | 6.88% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Sach ye hai, agar aapka investment goal long term hai, to Fund A neeche ka Fund B se bada return diya hai. 3 saal ke return mein Fund A ne 19.38% return diya hai, jabki Fund B ne 6.92% return diya hai. Haan, expense ratio bhi thoda jyada hai, lekin yeh investment ke liye thoda aur nahi hai. Isliye, humein lagta hai ki Fund A aapke liye better fund 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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
SIP invest karne ke liye humein Fund B ka vichaar karna chahiye, kyunki yeh fund bahut achhe se stable hai. Fund B ne 1 saal mein 6.16% return diya hai, jisse yeh fund monthly SIP ke liye thoda sahi hai. Haan, Fund A ka 3 saal ka return bhi bahut achha hai, lekin yeh fund bahut hi unstable hai, jo SIP invest karne ke liye theek nahi hai.
⚠️ Risk & Cost Analysis
Volatility ke hisaab se Fund B bahut hi chote se risk mein hai, jisse yeh fund aapke liye thoda sahi hai. Sharpe ratio ke hisaab se bhi Fund B bahut hi achha hai. Haan, expense ratio Fund A ka thoda jyada hai, lekin iski wajah se bhi Fund A ne apne investment mein bhi thoda jyada return diya hai. Isliye, humein lagta hai ki Fund B aapke liye better fund hai.
📊 Portfolio Diversification
Fund A ka asset allocation bahut hi high hai, jisse yeh fund bahut hi unstable hai. Haan, yeh fund ne bhi thoda sahi return diya hai, lekin yeh fund bahut hi risk mein hai. Fund B ka asset allocation bahut hi low hai, jisse yeh fund bahut hi stable hai. Haan, yeh fund ne bhi thoda sahi return diya hai, lekin yeh fund bahut hi low hai. Isliye, humein lagta hai ki Fund B aapke liye better fund hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@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?
Sach ye hai, Fund A ne 5 saal mein 20.94% return diya hai, jisse yeh fund long run mein bhi bahut hi achha hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka volatility bahut hi high hai, lekin Sharpe ratio bhi bahut hi accha hai. Isliye, humein lagta hai ki Fund A aapke liye better fund hai.
Q3: Which fund is more cost-effective?
Haan, Fund B ka expense ratio Fund A se thoda low hai, jisse yeh fund aapke liye better 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