Nippon India Small Cap Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
20.63%
3Y Return
6.85%
Aaj hum aapko do mutual funds ke beech karein ge - Nippon India Small Cap Fund aur Aditya Birla Sun Life Liquid Fund. Dono fund different categories mein hain - Small Cap aur Liquid Fund. Small Cap fund mein aam taur par chhote aur mid-cap companies ka investment hota hai, jabki Liquid fund mein aam taur par short-term aur low-risk investments hoti hain. Aaj hum aapko iske beech ki comparison karenge aur bataenge ki konsa fund aapko long-term wealth creation ke liye achha hai.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Aditya Birla Sun Life |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 443.77 |
| AUM (₹ Cr) | 7.27 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 18.66 | 0.13 |
| Sharpe Ratio | 0.76 | 2.69 |
| 1 Year Return (%) | 5.69% | 6.09% |
| 3 Year Return (%) | 20.63% | 6.85% |
| 5 Year Return (%) | 21.91% | 6.05% |
| Since Launch (%) | 23.95% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Samir Rachh (9.4 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | Nifty Smallcap 250 TRI | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (1.89%), Multi Commodity Exchange Of India Ltd. (1.76%), Bharat Heavy Electricals Ltd. (1.67%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 97.17% | CD: 0.21% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 32% | 279% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye hum aapko Nippon India Small Cap Fund ko prefer karenge. Iska 3Y return 20.63% hai, jo Bahut Accha hai. Expense ratio 0.64% hai, jo kam hai. Riskometer Very High hai, lekin hum aapko yeh fund long-term wealth creation ke liye suggest karenge kyunki ye fund aapko higher returns de sakta hai. Aditya Birla Sun Life Liquid Fund aapko short-term aur low-risk investments ke liye accha hai, lekin ye fund long-term wealth creation ke liye nahin accha hai.
Why consider Nippon India Small Cap Fund?
- Expense ratio: 0.64%
- 3Y return: 20.63%
- AUM: 7.27 Lac Cr
- Sharpe Ratio: 0.76
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Nippon India Small Cap Fund ko SIP ke liye accha fund maana ja sakta hai. Iska 3Y return 20.63% hai, jo Bahut Accha hai. Expense ratio 0.64% hai, jo kam hai. Aditya Birla Sun Life Liquid Fund aapko short-term aur low-risk investments ke liye accha hai, lekin ye fund SIP ke liye nahin accha hai kyunki iska return stability kam hai. Dekho, SIP ke liye aapko is fund ko try karne ka moka hoga.
⚠️ Risk & Cost Analysis
Nippon India Small Cap Fund mein aapko higher risk riskometer Very High hai. Volatility 18.66 hai, jo kam hai. Sharpe ratio 0.76 hai, jo kam hai. Expense ratio 0.64% hai, jo kam hai. Aditya Birla Sun Life Liquid Fund mein aapko low risk riskometer Low hai. Volatility 0.13 hai, jo bahut kam hai. Sharpe ratio 2.69 hai, jo accha hai. Expense ratio 0.12% hai, jo kam hai. Isliye, Aditya Birla Sun Life Liquid Fund aapko better risk-adjusted returns de sakta hai.
📊 Portfolio Diversification
Nippon India Small Cap Fund mein aapko asset allocation Equity 97.17% hai, jo bahut accha hai. Top 3 holdings mein HDFC Bank Ltd. 1.89%, Multi Commodity Exchange Of India Ltd. 1.76%, Bharat Heavy Electricals Ltd. 1.67% hai. Isse aapko lagta hai ki fund mein sector risk hai. Aditya Birla Sun Life Liquid Fund mein aapko asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00%, Cash 5.00% hai, jo accha hai. Top 3 holdings mein State Bank of India CD 8.5%, HDFC Bank CD 7.2%, Reliance Industries T-Bills 6.8% hai. Isse aapko lagta hai ki fund mein low risk hai. Chaliye, aap is fund ko try kar sakte hain.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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 Small Cap Fund ne 5Y mein 21.91% aur 3Y mein 20.63% return diya hai, jo bahut accha hai. Aditya Birla Sun Life Liquid Fund ne 5Y mein 6.05% aur 3Y mein 6.85% return diya hai, jo kam hai. Isliye, Nippon India Small Cap Fund aapko better long-term returns de sakta hai.
Q2: Is the higher risk fund worth it?
Nippon India Small Cap Fund mein riskometer Very High hai, jo bahut accha hai. Volatility 18.66 hai, jo kam hai. Sharpe ratio 0.76 hai, jo kam hai. Isliye, aapko lagta hai ki fund mein higher risk hai, lekin ye fund aapko higher returns de sakta hai. Aditya Birla Sun Life Liquid Fund mein riskometer Low hai, jo bahut kam hai. Volatility 0.13 hai, jo bahut kam hai. Sharpe ratio 2.69 hai, jo accha hai. Isliye, aapko lagta hai ki fund mein low risk hai. Chaliye, aap is fund ko try kar sakte hain.
Q3: Which fund is more cost-effective?
Aditya Birla Sun Life Liquid Fund ka expense ratio 0.12% hai, jo kam hai. Nippon India Small Cap Fund ka expense ratio 0.64% hai, jo bahut jyada hai. Isliye, Aditya Birla Sun Life Liquid Fund aapko more cost-effective hai. Haan, aap is fund ko try kar sakte hain.
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