Nippon India Multi Cap Fund vs DSP 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
6.77%
Arre, dekho! Aaj hum do aur mutual funds ke beech ka comparison karenge. Fund A Nippon India Multi Cap Fund hai, jiska category Multi Cap hai. Fund B DSP Mutual Fund Liquid Fund hai, jiska category Liquid Fund hai. Hum aapko iske beech ka comparison karke aapko malum karayenge ki kis fund mein aapko aur paise kamana chahiye.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | DSP Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 89.77 |
| AUM (₹ Cr) | 5.26 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.84% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 14.38 | 0.12 |
| Sharpe Ratio | 0.9 | 2.25 |
| 1 Year Return (%) | 1.81% | 2.95% |
| 3 Year Return (%) | 19.38% | 6.77% |
| 5 Year Return (%) | 20.94% | 5.92% |
| Since Launch (%) | 15.99% | 6.91% |
| 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) | Atul Bhole (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% | 243% |
🤖 AI Verdict – Which is Better?
Humne dekha ki Fund A ka 3Y return 19.38% hai, lekin expense ratio bhi 0.84% hai. Fund B ka 3Y return 6.77% hai, lekin expense ratio 0.12% hai. Isliye humne socha hai ki Fund A long-term mein aapko zaroori return deti hai, lekin Fund B aapko kam expense ratio deti hai. Haan, humka lagta hai ki Fund A 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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
Arre, SIP ke liye Fund B toot gaya hai. Iska 1Y return 2.95% hai, jiska 3Y aur 5Y return kam hai. Fund A ka 1Y return 1.81% hai, lekin 3Y aur 5Y return kam hai. Isliye humka lagta hai ki Fund A SIP ke liye accha fund hai.
⚠️ Risk & Cost Analysis
Chaliye, humne dekha ki Fund A ka riskometer Very High hai, lekin Sharpe ratio bhi 0.9 hai. Fund B ka riskometer Low hai, lekin Sharpe ratio bhi 2.25 hai. Isliye humka lagta hai ki Fund B aapko better risk-adjusted returns deti hai. Lekin expense ratio ke liye, Fund B accha hai.
📊 Portfolio Diversification
Humne dekha ki Fund A ka asset allocation Equity mein 99.5% hai, jiska sector risk hai. Fund B ka asset allocation T-Bills mein 65.00% hai, jiska sector risk kam hai. Isliye humka lagta hai ki Fund B portfolio ke liye better hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@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?
Sach ye hai, Fund A ka 5Y return 20.94% hai, jiska 3Y return 19.38% hai. Isliye humka lagta hai ki Fund A long run mein better returns deti hai.
Q2: Is the higher risk fund worth it?
Humne dekha ki Fund A ka volatility 14.38 hai, jiska Sharpe ratio 0.9 hai. Isliye humka lagta hai ki Fund A aapko kam return deti hai, lekin Fund B aapko better risk-adjusted returns deti hai.
Q3: Which fund is more cost-effective?
Humne dekha ki Fund B ka expense ratio 0.12% hai, jiska Fund A ka expense ratio 0.84% hai. Isliye humka lagta hai ki Fund B 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