Nippon India Multi Cap Fund vs Navi 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%
Dekho, aaj hum do mutual funds ke beech meh comparison karenge. Fund A, Nippon India Multi Cap Fund Direct Plan Growth, Multicap category ka hai aur Fund B, Navi Mutual Fund Liquid Fund Direct Plan Growth, Liquid Fund category ka hai. Aaj humein pata chalna hai ki kis fund se aapke paas long term mein bhi wealth creation ho sakta hai.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Navi Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 5622.79 |
| AUM (₹ Cr) | 5.26 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.84% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 14.38 | 0.13 |
| Sharpe Ratio | 0.9 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Haan, Fund A ki 3Y return 19.38% hai, lekin expense ratio bhi 0.84% hai. Fund B ki 3Y return 6.93% hai, lekin expense ratio bahut kam hai, 0.12% hi. Dekho, Fund A ka riskometer bahut high hai, lekin Fund B ka bahut low hai. Haan, Fund B kam risk vala fund hai lekin Fund A ka potential return bahut high hai. Sach ye hai, Fund A long term mein better 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Chaliye, aap monthly SIP ke liye kis fund ka chayan karenge? Fund A ki consistency aur return stability Fund B se kam hai. Haan, Fund B ki return stable hai, lekin Fund A ki consistency bahut acchi hai. Dekho, Fund A ki 5Y return 20.94% hai, lekin Fund B ki 5Y return 6.11% hai. Haan, Fund A monthly SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye hum Fund A aur Fund B ka comparison karenge. Dekho, Fund A ka riskometer very high hai, lekin Fund B ka bahut low hai. Haan, Fund B ki volatility 0.13 hai, lekin Fund A ki 14.38 hai. Sharpe ratio ke liye Fund B 3.31 hai, lekin Fund A 0.9 hai. Haan, expense ratio ke liye Fund B bahut accha hai, 0.12% hi hai. Sach ye hai, Fund B risk-adjusted returns mein better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum Fund A aur Fund B ka comparison karenge. Dekho, Fund A ki asset allocation 99.5% equity hai, lekin Fund B ki asset allocation T-Bills, CD, CP aur cash mein hai. Haan, Fund B ka asset allocation bahut diversified hai, lekin Fund A ka bahut high hai. Top holdings ke liye Fund A ki HDFC Bank Ltd. 6.16%, ICICI Bank Ltd. 4.1%, aur Axis Bank Ltd. 3.41% hai. Haan, Fund B ki top holdings State Bank of India CD 8.5%, HDFC Bank CD 7.2%, aur Reliance Industries T-Bills 6.8% hai.
Q1: Which fund gives better returns in the long run?
Haan, Fund A ki 5Y return 20.94% hai, lekin Fund B ki 5Y return 6.11% hai. Dekho, Fund A long term mein better fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer very high hai, lekin Fund B ka bahut low hai. Dekho, Fund A ki volatility 14.38 hai, lekin Fund B ki 0.13 hai. Haan, Sharpe ratio ke liye Fund B 3.31 hai, lekin Fund A 0.9 hai. Sach ye hai, Fund B risk-adjusted returns mein better hai.
Q3: Which fund is more cost-effective?
Haan, Fund B ki expense ratio 0.12% hai, lekin Fund A ki 0.84% hai. Dekho, Fund B bahut cost-effective hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
Navi 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.
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