Nippon India Multi Cap Fund vs PPFAS 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 alag-alag category ke mutual funds ke beech ki comparison karne ja rahe hain - Nippon India Multi Cap Fund aur PPFAS Mutual Fund Liquid Fund. Chaliye dekhte hain ki kya fund long-term mein aapke wealth ke liye better hai.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | PPFAS Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 5622.79 |
| AUM (₹ Cr) | 5.26 Lac Cr | 4.41 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Nippon India Multi Cap Fund aapke liye better hai. Yeh fund 3Y return mein 19.38% ki gati se chal raha hai, jiska mukhya fayda hai. Expense ratio 0.84% hai, jo thoda zyada hai lekin Sharpe ratio 0.9 hai, jiska matlab hai ki fund aapke risk ko kam karke return dete hai. Yeh fund aapke long-term wealth 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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Nippon India Multi Cap Fund monthly SIP ke liye behtar hai. Yeh fund 10+ saal tak stability aur consistency ke saath chal raha hai. PPFAS Mutual Fund Liquid Fund kareeb 6% ki return dete hai, lekin yeh fund short-term ke liye hi hai. Nippon India Multi Cap Fund long-term ke liye behtar hai.
⚠️ Risk & Cost Analysis
Nippon India Multi Cap Fund aur PPFAS Mutual Fund Liquid Fund mein kai differences hain. Nippon India Multi Cap Fund ke riskometer very high hai, volatility 14.38 hai, lekin Sharpe ratio 0.9 hai. Expense ratio 0.84% hai. PPFAS Mutual Fund Liquid Fund ke riskometer low hai, volatility 0.12 hai, lekin Sharpe ratio 3.58 hai. Expense ratio 0.12% hai. PPFAS Mutual Fund Liquid Fund mein aapke risk ko kam karke better return milti hai.
📊 Portfolio Diversification
Nippon India Multi Cap Fund aur PPFAS Mutual Fund Liquid Fund mein asset allocation alag-alag hai. Nippon India Multi Cap Fund mein equity 99.5% hai, jiska matlab hai ki asset allocation very high hai. Top 3 holdings mein HDFC Bank Ltd. 6.16%, ICICI Bank Ltd. 4.1%, Axis Bank Ltd. 3.41% hai. PPFAS Mutual Fund Liquid Fund mein asset allocation low hai, T-Bills 65.00%, CD 20.00%, CP 10.00%, Cash 5.00% hai. Top 3 holdings mein State Bank of India CD 8.5%, HDFC Bank CD 7.2%, Reliance Industries T-Bills 6.8% hai. PPFAS Mutual Fund Liquid Fund mein asset allocation low hai, lekin diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
PPFAS 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 3Y aur 5Y return mein better hai. Yeh fund aapke long-term wealth ke liye behtar hai.
Q2: Is the higher risk fund worth it?
Nippon India Multi Cap Fund ka riskometer very high hai, lekin Sharpe ratio 0.9 hai. Yeh fund aapke risk ko kam karke better return dete hai. Haan, yeh fund worth hai.
Q3: Which fund is more cost‑effective?
PPFAS Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo thoda low hai. Yeh fund aapke liye behtar 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