Nippon India Multi Cap Fund vs Groww 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
6.93%
Chaliye dekho, aaj hum do mutual funds ke beech ka comparison karenge, Nippon India Multi Cap Fund aur Groww Mutual Fund Liquid Fund. Dono funds aise hi direct plan mein available hain lekin unke categories aur performance bahut alag hain. Sabse pehle, hum dekhenge ki kis fund mein long-term wealth creation ke liye investment karna chahiye.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Groww Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 5622.79 |
| AUM (₹ Cr) | 5.26 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.84% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 14.38 | 0.11 |
| Sharpe Ratio | 0.9 | 3.91 |
| 1 Year Return (%) | 1.81% | 6.17% |
| 3 Year Return (%) | 19.38% | 6.93% |
| 5 Year Return (%) | 20.94% | 6.11% |
| Since Launch (%) | 15.99% | 50.63% |
| 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) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Haan, yeh sab sahi hai. Nippon India Multi Cap Fund ko long-term wealth creation ke like karna chahiye. Yeh fund bahut hi achha return deta hai, 3Y return mein 19.38% hai, lekin expense ratio bhi achha hai, 0.84% hai. Fund ka riskometer bhi very high hai, lekin Sharpe ratio bhi achha hai, 0.9 hai. Groww Mutual Fund Liquid Fund ko short-term investment ke liye use karna chahiye. Yeh fund bahut hi kam risk mein investment karta hai, lekin return bhi kam hai, 6.93% 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Sach ye hai, Nippon India Multi Cap Fund monthly SIP ke liye bahut hi achha fund hai. Yeh fund long-term wealth creation ke liye bahut hi achha hai, lekin Groww Mutual Fund Liquid Fund ko bhi monthly SIP ke liye use karna chahiye, lekin long-term wealth creation ke liye nahi. Yeh fund monthly SIP ke liye bahut hi achha hai, lekin long-term wealth creation ke liye nahi.
⚠️ Risk & Cost Analysis
Yeh fund dono bahut hi alag hain. Nippon India Multi Cap Fund ka riskometer very high hai, volatility 14.38 hai, lekin Sharpe ratio bhi achha hai, 0.9 hai. Groww Mutual Fund Liquid Fund ka riskometer low hai, volatility 0.11 hai, lekin Sharpe ratio bhi achha hai, 3.91 hai. Expense ratio bhi bahut hi alag hain, Nippon India Multi Cap Fund ka expense ratio 0.84% hai, lekin Groww Mutual Fund Liquid Fund ka expense ratio 0.12% hai.
📊 Portfolio Diversification
Nippon India Multi Cap Fund ka asset allocation bahut hi achha hai, equity mein 99.5% investment hai. Yeh fund bahut hi diversified hai, lekin sector risk bhi hai. Groww Mutual Fund Liquid Fund ka asset allocation bahut hi kam risk mein hai, T-Bills mein 65% investment hai. Yeh fund bahut hi diversified hai, lekin sector risk kam hai.
Q1: Which fund gives better returns in the long run?
Nippon India Multi Cap Fund long-term wealth creation ke liye bahut hi achha hai, yeh fund 3Y return mein 19.38% hai, lekin Groww Mutual Fund Liquid Fund ka 3Y return 6.93% hai.
Q2: Is the higher risk fund worth it?
Nippon India Multi Cap Fund ka riskometer very high hai, lekin Sharpe ratio bhi achha hai, 0.9 hai. Yeh fund long-term wealth creation ke liye bahut hi achha hai, lekin Groww Mutual Fund Liquid Fund ka riskometer low hai, lekin Sharpe ratio bhi achha hai, 3.91 hai.
Q3: Which fund is more cost‑effective?
Nippon India Multi Cap Fund ka expense ratio 0.84% hai, lekin Groww Mutual Fund Liquid Fund ka expense ratio 0.12% hai. Groww Mutual Fund Liquid Fund bahut hi cost-effective hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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