Nippon India Multi Cap Fund vs LIC 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 fundon ko compare karne wale hain. Fund A, Nippon India Multi Cap Fund Direct Plan Growth, ek Multi Cap fund hai, jabki Fund B, LIC Mutual Fund Liquid Fund Direct Plan Growth, ek Liquid fund hai. Hum aapko batayenge ki kis fund mein aapko long-term wealth creation ke liye invest karna chahiye.
[VERDICT]| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | LIC Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 5622.79 |
| AUM (₹ Cr) | 5.26 Lac Cr | 4.02 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% | 6.17% |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki Fund A, Nippon India Multi Cap Fund Direct Plan Growth, 3Y return ke hisab se 19.38% ke liye fund B se bhi behtar hai. Lekin, expense ratio ke hisab se fund B, LIC Mutual Fund Liquid Fund Direct Plan Growth, 0.12% ke liye behtar hai. Aur fund B ki riskometer Low hai, jabki fund A ki riskometer Very High hai. Haan, fund B ki return stability Fund A ke compare karegi kam hai. Lekin expense ratio ke hisab se fund B behtar hai.
[SIP_SUITABILITY]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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP ke liye Fund A, Nippon India Multi Cap Fund Direct Plan Growth, better hai. Iska 3Y return 19.38% hai, jo Fund B ke 3Y return 6.93% se behtar hai. Lekin, expense ratio ke hisab se Fund B behtar hai. SIP ke liye, fund ki consistency aur return stability bahut jaruri hai, aur fund A isme accha perform karta hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Fund B, LIC Mutual Fund Liquid Fund Direct Plan Growth, ki riskometer Low hai, lekin fund A ki riskometer Very High hai. Sharpe ratio ke hisab se bhi fund B behtar hai. Sharpe ratio 3.58 hai, jo fund A ke 0.9 se behtar hai. Lekin, volatility ke hisab se fund A 14.38 hai, jo fund B ke 0.12 se behtar hai. Haan, expense ratio ke hisab se fund B behtar hai, lekin risk-adjusted returns ke liye fund A behtar hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Fund A, Nippon India Multi Cap Fund Direct Plan Growth, ki asset allocation Equity mein 99.5% hai, jo Fund B ke asset allocation ke compare karegi kam hai. Fund A ki top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Axis Bank Ltd. hai, jo Fund B ki top 3 holdings se alag hain. Fund B ki top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Haan, fund B ka asset allocation T-Bills, CD, CP, aur cash mein 65%, 20%, 10%, aur 5% hai, jo fund A se alag hai.
[FAQ]SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
LIC 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?
Sach ye hai ki Fund A, Nippon India Multi Cap Fund Direct Plan Growth, ki 5Y return 20.94% hai, jo Fund B ki 5Y return 6.11% se behtar hai. Haan, Fund A ki 3Y return 19.38% hai, jo Fund B ki 3Y return 6.93% se behtar hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A, Nippon India Multi Cap Fund Direct Plan Growth, ki riskometer Very High hai, lekin Sharpe ratio 0.9 hai, jo Fund B ki Sharpe ratio 3.58 se kam hai. Lekin, volatility ke hisab se Fund A 14.38 hai, jo Fund B ke 0.12 se behtar hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B, LIC Mutual Fund Liquid Fund Direct Plan Growth, ki expense ratio 0.12% hai, jo Fund A ki expense ratio 0.84% se kam hai. Haan, Fund B ki return stability Fund A ke compare karegi 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