Nippon India Small Cap Fund vs HSBC 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%
Ab hum aapko Fund A, Nippon India Small Cap Fund aur Fund B, HSBC Mutual Fund Liquid Fund ke beech ka comparison kar rahe hain. Dekho, aapko pata lag jayega ki aapko kis fund mein invest karna chaahiye. Fund A ek Small Cap fund hai, jo high risk ka shikayat karta hai. Fund B ek Liquid Fund hai, jo low risk ka shikayat karta hai. Aap iss article mein seekhenge ki aapko kis fund mein invest karna chaahiye.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | HSBC Mutual Fund |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 5622.79 |
| AUM (₹ Cr) | 7.27 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.13% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ko long-term wealth creation ke liye preferred fund banana chaahiye. Yeh 3Y return, expense ratio aur risk ke adhar par hai. Fund A ka 3Y return 20.63% hai, jo Fund B ka 3Y return 6.93% se adhik hai. Fund A ka expense ratio bhi 0.64% hai, jo Fund B ka expense ratio 0.13% se adhik hai. Riskometer ke hisaab se, bhi Fund A high risk ka shikayat karta hai, lekin iski volatility 18.66 hai, jo Fund B ki volatility 0.11 se adhik 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Haan, SIP ke liye Fund B adhik suitable hai. Yeh fund consistent return stability ke liye jaana jaata hai. Fund A ka 5Y return 21.91% hai, lekin iski return volatility 18.66 hai, jo Fund B ki return volatility 0.11 se adhik hai. Chaliye, aapko Fund B mein SIP karna chaahiye.
⚠️ Risk & Cost Analysis
Lekin, aapko pata hai ki Fund A high risk ka shikayat karta hai, lekin iski Sharpe ratio 0.76 hai, jo Fund B ki Sharpe ratio 3.91 se adhik hai. Sharpe ratio ke hisaab se, Fund A adhik risk-adjusted returns offer karta hai. Expense ratio ke hisaab se, Fund B adhik cost-effective hai. Dekho, aapko Fund A ko high risk aur Fund B ko low risk ke liye chunna chaahiye.
📊 Portfolio Diversification
Portfolio diversification ke liye, Fund A ke asset allocation mein equity 97.17% hai aur CD 0.21% hai. Fund B ke asset allocation mein T-Bills 65.00% hai, CD 20.00% hai, CP 10.00% hai aur cash 5.00% hai. Dekho, Fund B ka asset allocation adhik diversified hai aur sector risk ka shikayat nahin karta hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
HSBC 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?
Fund A ka 5Y return 21.91% hai, jo Fund B ka 5Y return 6.11% se adhik hai. Isliye, Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka Sharpe ratio 0.76 hai, jo Fund B ki Sharpe ratio 3.91 se adhik hai. Sharpe ratio ke hisaab se, Fund A adhik risk-adjusted returns offer karta hai. Isliye, Fund A worth hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.13% hai, jo Fund A ka expense ratio 0.64% se adhik hai. Isliye, Fund B 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