Nippon India Small Cap Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
20.63%
3Y Return
16.22%
Aap logon ke liye sabse pahle dekho, Fund A aur Fund B donon ke categories kya hain. Ye do ELSS aur Small Cap Funds hain. Aaj hum apke beech mein comparison karenge. Hamein jaanenge ki Fund A aur Fund B mein kya anter hai. Humein bhi pata chalega ki aapko kis fund mein invest karna chahiye. Chaliye shuru karein.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | HDFC Mutual Fund |
| Category | Small Cap | ELSS |
| NAV (₹) | 194.77 | 1325.00 |
| AUM (₹ Cr) | 7.27 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.64% | 1.24% |
| Riskometer | Very High | Very High |
| Volatility | 18.66 | 13.3 |
| Sharpe Ratio | 0.76 | 0.73 |
| 1 Year Return (%) | 5.69% | -5.24% |
| 3 Year Return (%) | 20.63% | 16.22% |
| 5 Year Return (%) | 21.91% | 16.62% |
| Since Launch (%) | 23.95% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Samir Rachh (9.4 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | Nifty Smallcap 250 TRI | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (1.89%), Multi Commodity Exchange Of India Ltd. (1.76%), Bharat Heavy Electricals Ltd. (1.67%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | Equity: 97.17% | CD: 0.21% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 32% | 32% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye Fund A bhi acchi chuni hai. Iska 3Y return 20.63% hai, jiski tulna Fund B ka 3Y return 16.22% se karein. Lekin expense ratio ke mukhya baad Fund B kafi lambi hai, 1.24%. Fund A ka expense ratio 0.64% hai, jo bahut kam hai. Haan, Fund A ka riskometer bhi very high hai, lekin iska Sharpe ratio 0.76 hai, jo Fund B ka 0.73 se ziada hai. Dekho, Fund A aapko better risk-adjusted returns deta 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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP ke liye Fund A bhi achha chunna hai. Iska 3Y return Fund B ka 3Y return se ziada hai, aur expense ratio bahut kam hai. Lekin Fund B ka 1Y return -5.24% hai, jiska koi achha karan nahi hai. Haan, Fund A ka 1Y return 5.69% hai, lekin expense ratio Fund B ka expense ratio se kam hai. Chaliye SIP ke liye Fund A chun lein.
⚠️ Risk & Cost Analysis
Riskometer ke mukhya baad Fund A ka riskometer very high hai, lekin Fund B ka bhi very high hai. Volatility ke mukhya baad Fund A ka volatility 18.66 hai, jo Fund B ka 13.3 se ziada hai. Sharpe ratio ke mukhya baad Fund A ka Sharpe ratio 0.76 hai, jo Fund B ka 0.73 se ziada hai. Lekin expense ratio ke mukhya baad Fund B ka expense ratio 1.24% hai, jo Fund A ka expense ratio 0.64% se lamba hai.
📊 Portfolio Diversification
Asset allocation ke mukhya baad Fund A ka 97.17% asset allocation equity mein hai, aur Fund B ka 96.57% asset allocation equity mein hai. Lekin Fund A ka asset allocation CD mein 0.21% hai, aur Fund B ka asset allocation GOI Sec mein 0.33% hai. Top holdings concentration ke mukhya baad Fund A ka top 3 holdings HDFC Bank Ltd., Multi Commodity Exchange Of India Ltd., aur Bharat Heavy Electricals Ltd. hain. Fund B ka top 3 holdings ICICI Bank Ltd., HDFC Bank Ltd., aur Axis Bank Ltd. hain.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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?
Fund A ka 5Y return 21.91% hai, jo Fund B ka 5Y return 16.62% se ziada hai. Isliye, Fund A aapko better returns deta hai.
Q2: Is the higher risk fund worth it?
Fund A ka volatility 18.66 hai, jo Fund B ka 13.3 se ziada hai. Lekin Fund A ka Sharpe ratio 0.76 hai, jo Fund B ka 0.73 se ziada hai. Isliye, Fund A aapko better risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.64% hai, jo Fund B ka expense ratio 1.24% se kam hai. Isliye, Fund A aapko more 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