Nippon India Small Cap Fund vs Groww 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
6.93%
Dekho, aap log sabse pehle Fund A aur Fund B ke categories sunne hain. Fund A Small Cap Category mein hai, jabki Fund B Liquid Fund Category mein hai. Aaj hum aapko Fund A aur Fund B ke comparison mein detail se batayenge, lekin iske liye kya hai jo aapko pata chahiye. Chaliye, hum shuru karte hain.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Groww Mutual Fund |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 5622.79 |
| AUM (₹ Cr) | 7.27 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 18.66 | 0.11 |
| Sharpe Ratio | 0.76 | 3.91 |
| 1 Year Return (%) | 5.69% | 6.17% |
| 3 Year Return (%) | 20.63% | 6.93% |
| 5 Year Return (%) | 21.91% | 6.11% |
| Since Launch (%) | 23.95% | 50.63% |
| 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) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B lekin long-term wealth creation ke liye better hai. Yeh Fund B ka 3Y return 20.63% hai, jo Fund A ke 3Y return 20.63% se zyada nahi hai, lekin expense ratio 0.12% hai, jo Fund A ke expense ratio 0.64% se kam hai. Riskometer ke liye, Fund B Low hai, jo Fund A ke Very High riskometer ke liye better hai. Haan, Fund B Fund A ke long-term wealth creation 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Haan, SIP ke liye Fund A better hai. Yeh Fund A ka 3Y return 20.63% hai, jo Fund B ka 3Y return 6.93% se zyada hai. Expense ratio ke liye, Fund A 0.64% hai, jo Fund B ke 0.12% se kam hai. Chaliye, hum Fund A ke liye SIP karte hain.
⚠️ Risk & Cost Analysis
Haan, riskometer ke liye, Fund A Very High hai, jo Fund B ke Low riskometer ke liye khatarnaak hai. Volatility ke liye, Fund A 18.66 hai, jo Fund B ke 0.11 se zyada hai. Sharpe ratio ke liye, Fund A 0.76 hai, jo Fund B ke 3.91 se kam hai. Expense ratio ke liye, Fund A 0.64% hai, jo Fund B ke 0.12% se kam hai. Sach ye hai, Fund B riskometer aur volatility ke liye better hai.
📊 Portfolio Diversification
Chaliye, hum Fund A aur Fund B ke asset allocation aur top holdings sunte hain. Fund A mein Equity 97.17% hai, jo Fund B ke T-Bills 65.00% se zyada hai. Fund A mein CD 0.21% hai, jo Fund B ke CD 20.00% se kam hai. Top holdings ke liye, Fund A mein HDFC Bank Ltd. 1.89% hai, jo Fund B ke State Bank of India CD 8.5% se kam hai. Sach ye hai, Fund B asset allocation ke liye better hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Sach ye hai, Fund A ka 5Y return 21.91% hai, jo Fund B ka 5Y return 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer Very High hai, lekin Sharpe ratio 0.76 hai, jo Fund B ke 3.91 se kam hai. Sach ye hai, Fund B riskometer aur volatility ke liye better hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jo Fund A 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