Nippon India Multi Cap Fund vs Tata 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%
Ab aapko do aise funds ke baare mein jaanna hai jo Nippon India Multi Cap Fund aur Tata Mutual Fund Liquid Fund ke naam se jaane jaate hain. Fund A ek multi-cap fund hai, jabki Fund B ek liquid fund hai. Aaj hum apne patrakaar ke madhyam se aapko is dono funds ke beech ki tulna karte hain aur aapko batate hain ki kis fund mein nivesh karna hai.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Tata Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 5622.79 |
| AUM (₹ Cr) | 5.26 Lac Cr | 3.50 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Hum apne patrakaar ke madhyam se aapko batane jaate hain ki Fund A mein 3-saal ki return 19.38% hai, jabki Fund B mein 6.93% hai. Iske alawa, Fund A ka expense ratio 0.84% hai, jabki Fund B ka expense ratio 0.12% hai. Iske alawa, Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Haan, Fund A mein risk jyada hai, lekin expense ratio kam hai. In sabse aapko lagta hai ki Fund A pehle 3-saal ke liye behtar 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Ab hum SIP suitability ke baare mein baat karte hain. Fund A mein 3-saal ki return 19.38% hai, jabki Fund B mein 6.93% hai. Iske alawa, Fund A ka expense ratio 0.84% hai, jabki Fund B ka expense ratio 0.12% hai. Chaliye, hum SIP suitability ke liye Fund A ko behtar fund maante hain, kyunki iska expense ratio kam hai aur return jyada hai.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio, aur expense ratio ke baare mein baat karte hain. Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Iske alawa, Fund A ka volatility 14.38 hai, jabki Fund B ka volatility 0.13 hai. Lekin Fund A ka Sharpe ratio 0.9 hai, jabki Fund B ka Sharpe ratio 3.31 hai. Iske alawa, Fund A ka expense ratio 0.84% hai, jabki Fund B ka expense ratio 0.12% hai. Haan, Fund A mein risk jyada hai, lekin Sharpe ratio jyada hai. Isliye, hum Fund B ko behtar fund maante hain.
📊 Portfolio Diversification
Ab hum asset allocation ke baare mein baat karte hain. Fund A mein equity 99.5% hai, jabki Fund B mein T-Bills, CD, CP, aur cash 65%, 20%, 10%, aur 5% hai. Iske alawa, Fund A ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Axis Bank Ltd. hai, jabki Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Haan, Fund A ka asset allocation jyada concentrated hai, lekin Fund B ka asset allocation jyada diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
Tata 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 mein 5-saal ki return 20.94% hai, jabki Fund B mein 6.11% hai. Isliye, Fund A pehle long run ke liye behtar fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A mein risk jyada hai, lekin Sharpe ratio jyada hai. Isliye, Fund A ko behtar fund maana jaata hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 0.84% hai. Isliye, Fund B pehle cost-effective fund 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