Nippon India Multi Cap Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
19.38%
3Y Return
16.22%
Agar aapko ek long-term wealth creation plan chahiye, toh aaj hum do funds ka comparison karenge. Fund A, Nippon India Multi Cap Fund Direct Plan - Growth, aur Fund B, HDFC ELSS Tax Saver Fund Direct Plan - Growth. Dekho, yeh dono Very High Riskometer wale hain, lekin kya yeh unki performance ko bhi very high banata hai? Aapko pata chalega ki konsa fund aapke liye better hai.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | HDFC Mutual Fund |
| Category | Multi Cap | ELSS |
| NAV (₹) | 327.56 | 1325.00 |
| AUM (₹ Cr) | 5.26 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.84% | 1.24% |
| Riskometer | Very High | Very High |
| Volatility | 14.38 | 13.3 |
| Sharpe Ratio | 0.9 | 0.73 |
| 1 Year Return (%) | 1.81% | -5.24% |
| 3 Year Return (%) | 19.38% | 16.22% |
| 5 Year Return (%) | 20.94% | 16.62% |
| Since Launch (%) | 15.99% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 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%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | Equity: 99.5% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 89% | 32% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ka goal rakh rahe hain, toh Fund A aapke liye better hai. Yeh 3Y return mein Fund B ki comparison mein 3.16% better hai. Niche expense ratio ke hisaab se, yeh fund aapke liye adhik cost-effective hai. Haan, yeh Very High Riskometer wala hai, lekin yeh aapko better risk-adjusted returns de sakta 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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Agar aap monthly SIP karte hain, toh Fund A aapke liye better hai. Yeh 3Y return mein Fund B ki comparison mein 3.16% better hai aur iska asset allocation bhi adhik stable hai. Yeh aapko better return stability provide karega.
⚠️ Risk & Cost Analysis
Agar aap risk-adjusted returns dekhna chahte hain, toh Fund A aapke liye better hai. Yeh riskometer mein Fund B ki comparison mein 0.14 points better hai. Haan, yeh volatility mein bhi Fund B ki comparison mein 0.98 points better hai. Sharpe ratio ka hisaab lene par bhi yeh fund aapke liye better hai.
📊 Portfolio Diversification
Agar aap asset allocation aur top holdings concentration dekhna chahte hain, toh Fund A aapke liye better hai. Yeh Equity mein Fund B ki comparison mein 2.93% better hai. Haan, yeh top holdings concentration bhi Fund B ki comparison mein kam hai. Yeh aapke liye better portfolio diversification provide karega.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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 5Y mein Fund B ki comparison mein 4.32% better return de raha hai. Isliye, yeh fund aapke liye better hai.
Q2: Is the higher risk fund worth it?
Nahin, Fund A ki volatility Fund B ki comparison mein kam hai aur Sharpe ratio bhi better hai. Yeh aapke liye better risk-adjusted returns de sakta hai.
Q3: Which fund is more cost-effective?
Expense ratio ka hisaab lene par Fund A aapke liye better hai. Yeh Fund B ki comparison mein 0.4% lower 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