Nippon India Small Cap Fund vs Canara Robeco Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
20.63%
3Y Return
6.96%
Today, we're comparing two funds from different categories - Nippon India Small Cap Fund and Canara Robeco Liquid Fund. Dekho, if you're an investor looking for long-term wealth creation, this comparison will help you decide which fund is better for you. We'll look at various parameters like returns, risk, and expense ratio to give you a clear picture.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BCanara Robeco Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Canara Robeco |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 3337.33 |
| AUM (₹ Cr) | 7.27 Lac Cr | 3.95 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 18.66 | 0.11 |
| Sharpe Ratio | 0.76 | 4.18 |
| 1 Year Return (%) | 5.69% | 6.22% |
| 3 Year Return (%) | 20.63% | 6.96% |
| 5 Year Return (%) | 21.91% | 6.13% |
| Since Launch (%) | 23.95% | 6.72% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Samir Rachh (9.4 years yrs) | Shridatta Bhandwaldar (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% | 223% |
🤖 AI Verdict – Which is Better?
Chaliye, let's see which fund is better for long-term wealth creation. Haan, according to our analysis, Nippon India Small Cap Fund is the winner. Its 3-year return is 20.63%, which is significantly higher than Canara Robeco Liquid Fund's 6.96%. Lekin, it's essential to note that this fund has a very high riskometer and higher volatility, making it unsuitable for risk-averse investors. Sach ye hai, if you're looking for long-term wealth creation, Nippon India Small Cap Fund is a good option, but only if you can stomach the higher risk.
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 Canara Robeco Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.96%
- AUM: 3.95 Lac Cr
- Sharpe Ratio: 4.18
📈 SIP Suitability
For a monthly SIP of 10+ years, Canara Robeco Liquid Fund is a more suitable option. Its consistency and return stability are higher compared to Nippon India Small Cap Fund. Dekho, the liquid fund's returns might not be as high as the small-cap fund, but it's a safer bet for long-term investors. Chaliye, if you're looking for a stable source of returns, Canara Robeco Liquid Fund is a good choice.
⚠️ Risk & Cost Analysis
Let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Haan, Nippon India Small Cap Fund has a very high riskometer and higher volatility, making it riskier compared to Canara Robeco Liquid Fund. Lekin, its Sharpe ratio is higher, indicating better risk-adjusted returns. Sach ye hai, when it comes to cost, Canara Robeco Liquid Fund is more cost-effective with an expense ratio of 0.12%. Dekho, if you're looking for a fund with better risk-adjusted returns and lower cost, Canara Robeco Liquid Fund is a good option.
📊 Portfolio Diversification
Now, let's compare the asset allocation and top holdings concentration of both funds. Chaliye, Nippon India Small Cap Fund has a highly concentrated portfolio with top three holdings accounting for 5.32% of the total assets. Dekho, Canara Robeco Liquid Fund has a diversified portfolio with a mix of T-Bills, CDs, and CPs. Sach ye hai, if you're looking for a fund with a diversified portfolio, Canara Robeco Liquid Fund is a better option.
Q1: Which fund gives better returns in the long run?
Nippon India Small Cap Fund gives better returns in the long run, with a 5-year return of 21.91% compared to Canara Robeco Liquid Fund's 6.13%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund is not worth it. Nippon India Small Cap Fund has higher volatility and a very high riskometer, making it riskier compared to Canara Robeco Liquid Fund. Although its Sharpe ratio is higher, the risk is not justified.
Q3: Which fund is more cost-effective?
Canara Robeco Liquid Fund is more cost-effective with an expense ratio of 0.12% compared to Nippon India Small Cap Fund's 0.64%.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
Canara Robeco Liquid Fund
₹868530.05
@7.0% 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