Nippon India Multi Cap Fund vs UTI 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 me comparison karne ja rhe hain - Nippon India Multi Cap Fund aur UTI Liquid Fund. Fund A ek Multi Cap fund hai, jiski category hai Very High riskometer. Fund B ek Liquid Fund hai, jiski category hai Low riskometer. Aapko is article me pata chalega ki kis fund se aapko long term mein zyada laabh mil sakta hai.
| Parameter | ANippon India Multi Cap Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | UTI Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 327.56 | 5622.79 |
| AUM (₹ Cr) | 5.26 Lac Cr | 3.63 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Chaliye, hum pehle Fund A ke 3Y return, expense ratio, aur riskometer ko dekhte hain. Fund A ka 3Y return hai 19.38%, jo bahut achha hai. Expense ratio bhi kam hai, 0.84%. Riskometer bhi thoda zyada hai, lekin Fund B ka riskometer bahut kam hai. Haan, hum keh sakte hain ki Fund A long term mein zyada laabh dena sambhav 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye, hum Fund A aur Fund B ka 1Y, 3Y, aur 5Y return dekhte hain. Fund A ka 1Y return 1.81% hai, jo Fund B se kam hai. Lekin, Fund A ka 5Y return 20.94% hai, jo bahut achha hai. Fund B ka 5Y return 6.11% hai. Haan, Fund A SIP ke liye zyada accha hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se bhi hum dekh sakte hain ki Fund A kis tarah se zyada risk lene wala hai. Fund A ka riskometer Very High hai, aur volatility bhi 14.38% hai. Fund B ka riskometer Low hai, aur volatility bhi bahut kam hai. Haan, Fund A mein risk zyada hai. Lekin, Sharpe ratio ke hisaab se, Fund B zyada accha hai. Sharpe ratio Fund B ka 3.91 hai, aur Fund A ka 0.9 hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se bhi hum dekh sakte hain ki Fund A aur Fund B mein kya difference hai. Fund A mein 99.5% equity hai, jo Fund B se bahut zyada hai. Fund B mein T-Bills, CD, CP, aur cash ki allocation hai. Haan, Fund B mein asset allocation bahut diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Multi Cap Fund
₹1836667.31
@19.4% annual return (3Y)
UTI 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 ka 5Y return 20.94% hai, jo Fund B se bahut zyada hai. Haan, Fund A long term mein zyada laabh dena sambhav hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer Very High hai, lekin Fund A ka Sharpe ratio 0.9 hai, jo Fund B ke 3.91 se kam hai. Haan, Fund A mein risk zyada hai, lekin Sharpe ratio Fund B ke kam hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisaab se, Fund B zyada cost-effective hai. Fund B ka expense ratio 0.12% hai, jo Fund A ke 0.84% se kam hai. Haan, Fund B cost-effective 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