Nippon India Multi Cap Fund vs Franklin Templeton Flexi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
19.38%
3Y Return
14.63%
Dekho, aaj hum do mutual funds ke beech mein comparison karne ja rhe hain. Nippon India Multi Cap Fund aur Franklin Templeton Flexi Cap Fund dono hi bahut hi riski fund hain, lekin is article mein hum dekhege ki dono fund kis tarah karte hain aur kis fund mein long-term wealth creation ke liye investment karna achha hai.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BFranklin Templeton Flexi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Franklin Templeton |
| Category | Multi Cap | Flexi Cap |
| NAV (₹) | 327.56 | 110.79 |
| AUM (₹ Cr) | 5.26 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 0.84% | 0.96% |
| Riskometer | Very High | Very High |
| Volatility | 14.38 | 14.27 |
| Sharpe Ratio | 0.9 | 0.57 |
| 1 Year Return (%) | 1.81% | -2.38% |
| 3 Year Return (%) | 19.38% | 14.63% |
| 5 Year Return (%) | 20.94% | 12.31% |
| Since Launch (%) | 15.99% | 14.46% |
| 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) | Anand Radhakrishnan (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.16%), ICICI Bank Ltd. (4.1%), Axis Bank Ltd. (3.41%) | HDFC Bank Ltd. (8.2%), ICICI Bank Ltd. (6.9%), Infosys Ltd. (5.5%) |
| Asset Allocation | Equity: 99.5% | Equity: 95.00% | T-Bills: 5.00% |
| Portfolio Turnover | 89% | 48% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki humein long-term wealth creation ke liye 3Y return, expense ratio, aur risk ka dhyan rakhna hoga. Fund A ka 3Y return 19.38% hai aur expense ratio 0.84% hai, jo kitna hi achha hai. Humein lagta hai ki Nippon India Multi Cap Fund Fund B ke compare mein 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 Franklin Templeton Flexi Cap Fund?
- Expense ratio: 0.96%
- 3Y return: 14.63%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.57
📈 SIP Suitability
SIP ke liye humein consistency aur return stability ka dhyan rakhna hoga. Fund A ka 1Y return 1.81% hai aur 3Y return 19.38% hai, jo kitna hi stable hai. Fund B ka 1Y return -2.38% hai, jo kitna hi ghata hai. Isliye, hume lagta hai ki Nippon India Multi Cap Fund SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke base par hum dekhenge ki Fund A aur Fund B mein kya difference hai. Fund A ka riskometer Very High hai, lekin expense ratio 0.84% hai, jo kitna hi achha hai. Fund B ka expense ratio 0.96% hai, jo Fund A se zyada hai. Isliye, hume lagta hai ki Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke base par hum dekhenge ki Fund A aur Fund B mein kya difference hai. Fund A ka equity allocation 99.5% hai, lekin top holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Axis Bank Ltd. 13.47% ke share ke sath hai. Fund B ka equity allocation 95.00% hai, lekin top holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Infosys Ltd. 20.61% ke share ke sath hai. Isliye, hume lagta hai ki Fund A more diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
Franklin Templeton Flexi Cap Fund
₹1361937.60
@14.6% 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, jo Fund B ke 5Y return 12.31% se zyada hai. Isliye, Fund A long-run mein better returns karta hai.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 14.27 hai, jo Fund A ke 14.38 se kam hai. Iske alawa, Fund B ka Sharpe ratio 0.57 hai, jo Fund A ke 0.9 se kam hai. Isliye, hume lagta hai ki Fund B ka higher risk fund worth nahi hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.84% hai, jo Fund B ke 0.96% se kam hai. Isliye, Fund A more 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