Nippon India Multi Cap Fund vs HSBC 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%
Aaj hum do mutual funds ke beech ka comparison karne ja rahe hain - Nippon India Multi Cap Fund aur HSBC Mutual Fund Liquid Fund. Dono fund different categories mein hain, lekin is article mein hum unke long-term returns, expense ratio, aur risk ki janch karenge.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | HSBC Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 5622.79 |
| AUM (₹ Cr) | 5.26 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.84% | 0.13% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Nippon India Multi Cap Fund long-term wealth creation ke liye better hai, kyonki uska 3Y return 19.38% hai, jo HSBC Mutual Fund Liquid Fund ke 6.93% se adhik hai. Expense ratio bhi Nippon India Multi Cap Fund ka kam hai, 0.84% hai, lekin HSBC Mutual Fund Liquid Fund ka bhi bahut kam hai, 0.13% hai. Riskometer bhi Nippon India Multi Cap Fund ka very high hai, lekin sharpe ratio uska kam hai, 0.9 hai. Haan, isse pattha laghta hai ki Nippon India Multi Cap Fund long-term wealth creation ke liye 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Nippon India Multi Cap Fund monthly SIP ke liye better hai, kyonki uska 3Y return aur 5Y return both stability aur consistency mein badhta hai. HSBC Mutual Fund Liquid Fund ka 1Y return aur 3Y return kam hai, lekin expense ratio uska kam hai. Isliye, Nippon India Multi Cap Fund monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Nippon India Multi Cap Fund ka riskometer very high hai, lekin sharpe ratio uska kam hai, 0.9 hai. HSBC Mutual Fund Liquid Fund ka riskometer low hai, lekin sharpe ratio uska kam hai, 3.91 hai. Expense ratio bhi Nippon India Multi Cap Fund ka kam hai, 0.84% hai. Haan, isse pattha laghta hai ki Nippon India Multi Cap Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Nippon India Multi Cap Fund ka asset allocation equity mein 99.5% hai, jo HSBC Mutual Fund Liquid Fund ka cash mein 5.00% se adhik hai. Top 3 holdings bhi Nippon India Multi Cap Fund ka HDFC Bank Ltd. mein 6.16% hai, jo HSBC Mutual Fund Liquid Fund ka State Bank of India CD mein 8.5% se kam hai. Isliye, Nippon India Multi Cap Fund ka portfolio diversified nahin hai, lekin HSBC Mutual Fund Liquid Fund ka portfolio diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
HSBC 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.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
Nippon India Multi Cap Fund long run mein better returns deta hai, kyonki uska 5Y return 20.94% hai, jo HSBC Mutual Fund Liquid Fund ke 6.11% se adhik hai.
Q2: Is the higher risk fund worth it?
Nahin, Nippon India Multi Cap Fund ka riskometer very high hai, lekin sharpe ratio uska kam hai, 0.9 hai. HSBC Mutual Fund Liquid Fund ka riskometer low hai, lekin sharpe ratio uska kam hai, 3.91 hai. Isliye, HSBC Mutual Fund Liquid Fund better hai.
Q3: Which fund is more cost-effective?
HSBC Mutual Fund Liquid Fund adhik cost-effective hai, kyonki uska expense ratio 0.13% hai, jo Nippon India Multi Cap Fund ke 0.84% se kam 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