Nippon India Small Cap Fund vs DSP 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
6.77%
Dekho, aapke paas do fund hain, Nippon India Small Cap Fund aur DSP Mutual Fund Liquid Fund. Dono fund alag-alag categories mein hai, Small Cap aur Liquid Fund. Aaj hum yeh jaanne ke liye hain ki dono fund kis tarah hai aur kis mein nivesh karne ke liye achha hai.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | DSP Mutual Fund |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 89.77 |
| AUM (₹ Cr) | 7.27 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 18.66 | 0.12 |
| Sharpe Ratio | 0.76 | 2.25 |
| 1 Year Return (%) | 5.69% | 2.95% |
| 3 Year Return (%) | 20.63% | 6.77% |
| 5 Year Return (%) | 21.91% | 5.92% |
| Since Launch (%) | 23.95% | 6.91% |
| 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) | Atul Bhole (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% | 243% |
🤖 AI Verdict – Which is Better?
Chaliye, hum yeh jaanne ke liye hain ki Fund B, DSP Mutual Fund Liquid Fund, kis tarah hai. Yeh fund low-risk hota hai aur 3Y return 6.77% hai. Expense ratio bhi bahut kam hai, 0.12% hi. Isliye, hum yeh keh sakte hain ki Fund B long-term mein wealth create karne ke liye better 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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
SIP Suitability ke liye, hum dekhenge ki Fund A aur Fund B dono mein SIP karke kaisa hai. Fund A mein 5Y return 21.91% hai, lekin expense ratio bhi 0.64% hai. Fund B mein 5Y return 5.92% hai, lekin expense ratio bahut kam hai, 0.12%. Isliye, Fund B SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye, hum dekhenge ki Fund A aur Fund B mein kya hai. Fund A mein riskometer very high hai, lekin volatility 18.66 hai. Sharpe ratio bhi 0.76 hai. Fund B mein riskometer low hai, lekin volatility 0.12 hai. Sharpe ratio bhi 2.25 hai. Isliye, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye, hum dekhenge ki Fund A aur Fund B mein kya hai. Fund A mein equity 97.17% hai, lekin CD 0.21% hai. Top 3 holdings HDFC Bank Ltd., Multi Commodity Exchange Of India Ltd., aur Bharat Heavy Electricals Ltd. hai. Fund B mein T-Bills 65.00% hai, CD 20.00% hai, CP 10.00% hai, aur cash 5.00% hai. Top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Isliye, Fund B more diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@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?
Haan, Fund A Nippon India Small Cap Fund 5Y return 21.91% deta hai, jiska mukhya fund DSP Mutual Fund Liquid Fund 5.92% deta hai.
Q2: Is the higher risk fund worth it?
Nahin, lekin Fund A mein returns bahut acche hain, lekin volatility bhi 18.66 hai. Fund B mein returns thode kam hain, lekin volatility 0.12 hai. Isliye, Fund B better hai.
Q3: Which fund is more cost-effective?
Haan, Fund B DSP Mutual Fund Liquid Fund expense ratio 0.12% hai, jo Fund A Nippon India Small Cap Fund ke expense ratio 0.64% se kam 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