Nippon India Small Cap Fund vs ICICI Prudential 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%
Chaliye dekho, Fund A aur Fund B dono alag-alag categories mein hai: Small Cap aur Liquid. Aaj humein Fund A Nippon India Small Cap Fund aur Fund B ICICI Prudential Liquid Fund ke beech ka comparison karne mein interest hai. Kya Fund A long-term mein aapko better returns dega, ya Fund B apne liquid assets ke liye bhaari hai? Is article mein humein in dono funds ke beech ka comparison karna hoga aur aapko seekhne ko milayega ki konsa fund aapke liye better hai.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | ICICI Prudential |
| Category | Small Cap | Liquid |
| NAV (₹) | 194.77 | 411.88 |
| AUM (₹ Cr) | 7.27 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 18.66 | 0.12 |
| Sharpe Ratio | 0.76 | 3.58 |
| 1 Year Return (%) | 5.69% | 6.15% |
| 3 Year Return (%) | 20.63% | 6.93% |
| 5 Year Return (%) | 21.91% | 6.11% |
| Since Launch (%) | 23.95% | 6.84% |
| 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) | Nikhil Kabra; Ritesh Lunawat (4.8 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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B dono alag-alag categories mein hai, lekin humein long-term mein aapko better returns dena hai. Isliye, hum Fund A ki 5Y return (21.91%) aur Fund B ki 5Y return (6.11%) ka comparison karenge. Expense ratio aur riskometer bhi ek important factor hai. Fund A ki expense ratio 0.64% hai, jo Fund B ki expense ratio 0.12% se badi hai. Riskometer mein bhi Fund A 2 aur Fund B 1 par hai. Isliye, hum Fund A ko long-term mein better fund ke roop mein dekhaenge.
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 ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Kya aap SIP ke liye Fund A ya Fund B ka chayan karenge? Fund A ki 3Y return 20.63% hai, jo Fund B ki 3Y return 6.93% se badi hai. Lekin Fund A ki volatility 18.66 hai, jo Fund B ki volatility 0.12 se badi hai. Isliye, Fund B aapke SIP ke liye bhi adhik suitable hai, kyonki ise thoda bhi khaone mein nahi hai. Lekin, yah bhi important hai ki aap apne investment goals aur risk appetite ka dhyan rakhna.
⚠️ Risk & Cost Analysis
Riskometer aur volatility Fund A aur Fund B ke beech ka ek important difference hai. Fund A ki riskometer 5 par hai, jo Fund B ki riskometer 1 par hai. Volatility mein bhi Fund A 18.66 par hai, jo Fund B 0.12 par hai. Sharpe ratio mein bhi Fund A 0.76 par hai, jo Fund B 3.58 par hai. Isliye, Fund B aapko better risk-adjusted returns dega.
📊 Portfolio Diversification
Fund A aur Fund B dono alag-alag asset allocation mein hai. Fund A ki 97.17% investment equity mein hai, jo Fund B ki 90% investment T-Bills, CD, CP aur Cash mein hai. Fund A ki top 3 holdings HDFC Bank, Multi Commodity Exchange Of India Ltd. aur Bharat Heavy Electricals Ltd. hai, jo Fund B ki top 3 holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hai. Isliye, Fund A ki portfolio mein sector risk hai, lekin Fund B ki portfolio mein thoda bhi khaone mein nahi hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
ICICI Prudential 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 ki 5Y return 21.91% hai, jo Fund B ki 5Y return 6.11% se badi hai. Isliye, Fund A long-term mein better fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki higher risk riskometer 5 par hai, lekin isme sharpe ratio 0.76 hai, jo Fund B ki sharpe ratio 3.58 se kam hai. Isliye, Fund A ka higher risk worth hai.
Q3: Which fund is more cost-effective?
Fund B ki expense ratio 0.12% hai, jo Fund A ki expense ratio 0.64% se kam hai. Isliye, Fund B aapke liye 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