Nippon India Multi Cap Fund vs Kotak Mahindra 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 mein comparison karenge. Fund A, Nippon India Multi Cap Fund Direct Plan Growth hai, aur Fund B, Kotak Mahindra Liquid Fund Direct Plan Growth hai. Dekho, kis fund mein long-term wealth creation ke liye better hai!
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Kotak Mahindra |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 5622.79 |
| AUM (₹ Cr) | 5.26 Lac Cr | 3.18 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ka 3-year return 19.38% hai, jo bahut accha hai. Lekin expense ratio bhi bahut jyada hai, 0.84%. Fund B ka expense ratio toh 0.12% hai, lekin return bhi kam hai. Chaliye, hum fund B ko better fund ke roop mein chunenge.
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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Kis fund mein monthly SIP ke liye better hai? Dekho, fund A ka 1-year return 1.81% hai, jiska stability nahi hai. Fund B ka 1-year return 6.17% hai, jiska stability hai. Haan, fund B SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Kis fund mein better risk-adjusted returns hai? Dekho, fund A ka riskometer very high hai, volatility 14.38 hai. Fund B ka riskometer low hai, volatility 0.11 hai. Sharpe ratio bhi fund B ka hai, 3.91. Haan, fund B mein better risk-adjusted returns hai.
📊 Portfolio Diversification
Kis fund mein portfolio diversification better hai? Dekho, fund A mein equity 99.5% hai, aur top 3 holdings mein HDFC Bank Ltd. 6.16%, ICICI Bank Ltd. 4.1%, aur Axis Bank Ltd. 3.41% hai. Fund B mein asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00%, aur cash 5.00% hai. Haan, fund B mein portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
Kotak Mahindra 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?
Answer: Fund A ka 5-year return 20.94% hai, jo Fund B ka 6.11% se bahut accha hai.
Q2: Is the higher risk fund worth it?
Answer: Haan, Fund A ka 3-year return 19.38% hai, lekin volatility bhi bahut jyada hai, 14.38. Fund B ka riskometer low hai, volatility 0.11 hai. Sharpe ratio bhi fund B ka hai, 3.91.
Q3: Which fund is more cost‑effective?
Answer: Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.84% se bahut 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