Nippon India Small Cap Fund vs Baroda BNP Paribas Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
20.63%
3Y Return
14.62%
Agar aapke paas paisa hai aur aapko long-term wealth creation chahiye, toh yah post aapke liye kaafi hai. Aaj hum do fundon ke beech ka comparison karne ja rahe hain - Nippon India Small Cap Fund aur Baroda BNP Paribas Large Cap Fund. Dekho, in donon fundon ka category alag hai lekin donon hi Very High Riskometer par aate hain.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BBaroda BNP Paribas Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Baroda BNP Paribas |
| Category | Small Cap | Large Cap |
| NAV (₹) | 194.77 | 251.36 |
| AUM (₹ Cr) | 7.27 Lac Cr | 2.15 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 18.66 | 13.08 |
| Sharpe Ratio | 0.76 | 0.62 |
| 1 Year Return (%) | 5.69% | -0.15% |
| 3 Year Return (%) | 20.63% | 14.62% |
| 5 Year Return (%) | 21.91% | 11.06% |
| Since Launch (%) | 23.95% | 13.34% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 14 March 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Samir Rachh (9.4 years yrs) | Sanjay Chawla (3.5 years yrs) |
| Benchmark | Nifty Smallcap 250 TRI | Nifty 50 |
| Top 3 Holdings | HDFC Bank Ltd. (1.89%), Multi Commodity Exchange Of India Ltd. (1.76%), Bharat Heavy Electricals Ltd. (1.67%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Equity: 97.17% | CD: 0.21% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 32% | 34% |
🤖 AI Verdict – Which is Better?
Our verdict hai ki Nippon India Small Cap Fund (Fund A) aapke liye better hai. Ye fund 3Y mein 20.63% return deta hai jiska mean hai ki aapko 10 saal mein lagbhag 23% return mil sakta hai. Lekin expense ratio bhi thoda zyada hai. Chaliye, Fund B ke expense ratio 0.52% hai jiska matalab hai ki aapko ek lakh ka investment karte hi 5200 rupaye expense ho jayenge. Haan, Fund A ka expense ratio 0.64% hai, lekin aapko aagla 10 saal mein lagbhag 24% return mil sakta hai, jo ki Fund B se kaafi zyada 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 Baroda BNP Paribas Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.62%
- AUM: 2.15 Lac Cr
- Sharpe Ratio: 0.62
📈 SIP Suitability
SIP suitability ka topic hai, toh hum sochta hai ki kitna paisa lagana hoga aur kitni baar SIP lagana hoga. Haan, yeh donon fundon ka average return ek saal ke liye lagbhag ek jaisa hai, lekin 3 saal ke liye Fund A ka return 6.48% hai jiska matalab hai ki aapko 3 saal mein ek lakh ka investment lagbhag 64,800 rupaye mil sakta hai. Chaliye, Fund B ka return 4.47% hai, jo ki Fund A se thoda kam hai. Lekin, yeh donon fundon ka expense ratio thoda alag hai, lekin Fund A ka riskometer bhi thoda zyada hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye humne dekha hai ki Fund A ka riskometer Very High hai aur volatility 18.66 hai, jo ki Fund B se kaafi zyada hai. Lekin, Sharpe ratio ke liye humne dekha hai ki Fund A ka Sharpe ratio 0.76 hai, jiska matalab hai ki aapko aagla 10 saal mein lagbhag 76% return mil sakta hai. Chaliye, Fund B ka Sharpe ratio 0.62 hai, jo ki Fund A se thoda kam hai. Lekin, expense ratio ke liye humne dekha hai ki Fund B ka expense ratio 0.52% hai, jo ki Fund A se thoda kam hai.
📊 Portfolio Diversification
Portfolio diversification ka topic hai, toh humne dekha hai ki Fund A ka asset allocation 97.17% equity aur 0.21% CD hai. Chaliye, Fund B ka asset allocation 96.00% equity aur 4.00% T-bills hai. Haan, yeh donon fundon ka top 3 holdings HDFC Bank, ICICI Bank, aur Reliance Industries hai, lekin Fund A ka top 3 holdings ki concentration thoda zyada hai. Lekin, Fund B ka asset allocation thoda zyada diversified hai.
Q1: Which fund gives better returns in the long run?
Answer: Fund A ka 5 saal ka return 21.91% hai, jiska matalab hai ki aapko aagla 10 saal mein lagbhag 22% return mil sakta hai. Fund B ka 5 saal ka return 11.06% hai, jo ki Fund A se thoda kam hai.
Q2: Is the higher risk fund worth it?
Answer: Haan, Fund A ka riskometer Very High hai, lekin yeh fund aapko aagla 10 saal mein lagbhag 24% return deta hai. Lekin, Fund B ka riskometer bhi Very High hai aur yeh fund aapko aagla 10 saal mein lagbhag 14% return deta hai.
Q3: Which fund is more cost-effective?
Answer: Fund B ka expense ratio 0.52% hai, jo ki Fund A se thoda kam hai. Lekin, Fund A ka return bhi Fund B se kaafi zyada hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
Baroda BNP Paribas Large Cap Fund
₹1361101.96
@14.6% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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