Nippon India Small Cap Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
20.63%
3Y Return
6.98%
Dekho, aaj hum do mutual funds ke beech comparison karne ja rhe hain. Fund A Nippon India Small Cap Fund hai aur Fund B Bandhan Mutual Fund Liquid Fund. Ye dono fund Indian investors ke liye kya nishkarsh dete hain, ye hame janne ke liye hain. Hum aapko samajhne me madad karenge ki kis fund se aapko bhi fayda hoga.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Bandhan Mutual Fund |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 39.33 |
| AUM (₹ Cr) | 7.27 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 18.66 | 0.12 |
| Sharpe Ratio | 0.76 | 4 |
| 1 Year Return (%) | 5.69% | 1.41% |
| 3 Year Return (%) | 20.63% | 6.98% |
| 5 Year Return (%) | 21.91% | 5.96% |
| Since Launch (%) | 23.95% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Samir Rachh (9.4 years yrs) | Manish Gunwani (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% | 251% |
🤖 AI Verdict – Which is Better?
Haan, hum samajhne ke baad aapko bata sakte hain ki kis fund se aapko bhi fayda hoga. Dekho, Fund A ka 3Y return 20.63% hai, lekin expense ratio bhi 0.64% hai. Fund B ka 3Y return 6.98% hai, lekin expense ratio 0.12% hai. Sach ye hai, Fund B aapke paiso ko adhik samay ke liye bacha sakta 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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Chaliye, hum SIP ke liye kis fund ki suitability hai. Fund A ka 3Y return adhik hai, lekin Fund B ka return consistent hai. Lekin Fund A ka riskometer very high hai, jisse aapke paiso ke liye danger hai. Fund B ka riskometer low hai, jisse aapke paiso ko adhik surakshit hai.
⚠️ Risk & Cost Analysis
Dekho, hum aapko kis fund se aapke paiso ko adhik surakshit hai. Fund A ka riskometer very high hai aur volatility 18.66 hai, lekin Sharpe ratio 0.76 hai. Fund B ka riskometer low hai aur volatility 0.12 hai, lekin Sharpe ratio 4 hai. Lekin expense ratio Fund B ka adhik accha hai.
📊 Portfolio Diversification
Chaliye, hum aapko batate hain ki kis fund ka portfolio adhik diversified hai. Fund A ka asset allocation equity mein 97.17% hai aur CD mein 0.21% hai. Fund B ka asset allocation T-Bills mein 65.00% hai, CD mein 20.00% hai, CP mein 10.00% hai aur cash mein 5.00% hai. Fund B ka portfolio adhik diversified hai aur sector risk adhik kam hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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?
Haan, Fund A ka 5Y return 21.91% hai aur 3Y return 20.63% hai, lekin Fund B ka 5Y return 5.96% hai aur 3Y return 6.98% hai. Fund A ka long term return adhik hai.
Q2: Is the higher risk fund worth it?
Nahin, Fund A ka riskometer very high hai aur volatility 18.66 hai, lekin Sharpe ratio 0.76 hai. Fund B ka riskometer low hai aur volatility 0.12 hai, lekin Sharpe ratio 4 hai. Fund B ka riskometer adhik accha hai.
Q3: Which fund is more cost-effective?
Haan, Fund B ka expense ratio 0.12% hai, jisse adhik accha hai. Fund A ka expense ratio 0.64% hai, jisse kam accha hai. Fund B adhik 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