Nippon India Multi Cap Fund vs ICICI Prudential 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%
Ab hum aapko do funds ki tareef kar rahe hain: Nippon India Multi Cap Fund aur ICICI Prudential Liquid Fund. Fund A ek multi cap fund hai jo bahut jyada jokhim mein invest karta hai, jabki Fund B ek liquid fund hai jo kam jokhim mein invest karta hai. Is article mein hum aapko pata karwane ki koshish karenge ki Fund A kitni achchi hai, Fund B kitni acchi hai, aur kyon.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | ICICI Prudential |
| Category | Multi Cap | Liquid |
| NAV (₹) | 327.56 | 411.88 |
| AUM (₹ Cr) | 5.26 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.84% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 14.38 | 0.12 |
| Sharpe Ratio | 0.9 | 3.58 |
| 1 Year Return (%) | 1.81% | 6.15% |
| 3 Year Return (%) | 19.38% | 6.93% |
| 5 Year Return (%) | 20.94% | 6.11% |
| Since Launch (%) | 15.99% | 6.84% |
| 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) | Nikhil Kabra; Ritesh Lunawat (4.8 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% | 241% |
🤖 AI Verdict – Which is Better?
Ab hum aapko pata karenge ki Fund A kitni achchi hai, Fund B kitni acchi hai. Fund A ka 3Y return 19.38% hai, jabki Fund B ka 3Y return 6.93% hai. Dekho, Fund A bahut jyada jokhim mein invest karta hai, lekin expense ratio bhi bahut jyada hai - 0.84%. Fund B ki expense ratio 0.12% hai, jo bahut kam hai. Sach ye hai, Fund A long-term wealth creation ke liye accha 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 ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Ab hum aapko pata karenge ki SIP ke liye kis fund accha hai. Fund A ka 5Y return 20.94% hai, jabki Fund B ka 5Y return 6.11% hai. Chaliye, hum yeh dekhenge ki Fund A ka 1Y return kitna hai - 1.81%. Fund B ka 1Y return 6.15% hai, jo bahut accha hai. Fund B ki consistency bahut acchi hai, lekin return stability Fund A mein hai.
⚠️ Risk & Cost Analysis
Ab hum aapko pata karenge ki Fund A aur Fund B ke beech riskometer, volatility, Sharpe ratio, aur expense ratio mein kya farq hai. Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Volatility mein bhi Fund A 14.38 hai, jabki Fund B 0.12 hai. Sharpe ratio mein bhi Fund B 3.58 hai, jo Fund A ke 0.9 se bahut accha hai. Expense ratio mein bhi Fund B 0.12% hai, jo Fund A ke 0.84% se bahut kam hai. Sach ye hai, Fund B risk-adjusted returns mein Fund A se bahut accha hai.
📊 Portfolio Diversification
Ab hum aapko pata karenge ki Fund A aur Fund B ke beech asset allocation aur top holdings concentration mein kya farq hai. Fund A ka asset allocation 99.5% equity mein hai, jabki Fund B ka asset allocation T-Bills, CD, CP, aur cash mein hai. Top holdings mein bhi Fund A ka HDFC Bank Ltd. 6.16% hai, jabki Fund B ka State Bank of India CD 8.5% hai. Fund A ka portfolio concentration bahut jyada hai, lekin Fund B ka portfolio bahut diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
ICICI Prudential 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?
Fund A ka 5Y return 20.94% hai, jo Fund B ka 5Y return 6.11% se bahut accha hai.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 0.12 hai, jo Fund A ke 14.38 se bahut kam hai. Sharpe ratio mein bhi Fund B 3.58 hai, jo Fund A ke 0.9 se bahut accha hai. Sach ye hai, Fund B risk-adjusted returns mein Fund A se bahut accha hai.
Q3: Which fund is more cost-effective?
Expense ratio mein bhi Fund B 0.12% hai, jo Fund A ke 0.84% se bahut kam hai. Sach ye hai, 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