Nippon India Small Cap Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
20.63%
3Y Return
6.97%
Chaliye, dekho, we are comparing two funds - Nippon India Small Cap Fund and JM Financial Liquid Fund. Fund A is a Small Cap Fund, while Fund B is a Liquid Fund. In this article, we will analyze their performance, risk, and cost to help you decide which fund is better for you.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | JM Financial |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 363.19 |
| AUM (₹ Cr) | 7.27 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 18.66 | 0.12 |
| Sharpe Ratio | 0.76 | 3.92 |
| 1 Year Return (%) | 5.69% | 6.21% |
| 3 Year Return (%) | 20.63% | 6.97% |
| 5 Year Return (%) | 21.91% | 6.16% |
| Since Launch (%) | 23.95% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Samir Rachh (9.4 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Haan, based on our analysis, Fund A is better for long-term wealth creation. Its 3Y return is 20.63%, which is much higher than Fund B's 6.97%. Lekin, it also has a very high expense ratio of 0.64%, which is higher than Fund B's 0.12%. Dekho, the trade-off is worth it, considering Fund A's higher returns. Sach ye hai, Fund A is better for long-term investors.
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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Chaliye, let's compare the two funds for a monthly SIP for 10+ years. Fund A is more consistent in its returns, but Fund B is more stable. Haan, if you want higher returns, Fund A is a better option. Lekin, if you want to minimize risk, Fund B is a safer bet.
⚠️ Risk & Cost Analysis
Lekin, let's compare the riskometer, volatility, and Sharpe ratio of the two funds. Fund A has a very high riskometer and volatility, but its Sharpe ratio is good. Haan, Fund B has a low riskometer and volatility, but a high Sharpe ratio. Dekho, Fund B offers better risk-adjusted returns, considering its low expense ratio.
📊 Portfolio Diversification
Chaliye, let's compare the asset allocation and top holdings of the two funds. Fund A has a high concentration of equity, which can be risky. Haan, Fund B has a diversified asset allocation, with a low concentration of any single asset. Lekin, Fund A's top holdings are well-diversified, with no single stock accounting for more than 2% of its assets. Dekho, Fund B has a more diversified portfolio.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% 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 gives better returns in the long run, with a 5Y return of 21.91% compared to Fund B's 6.16%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund (Fund A) may not be worth it, considering its high volatility and expense ratio. Fund B offers better risk-adjusted returns with lower volatility and expense ratio.
Q3: Which fund is more cost-effective?
Fund B is more cost-effective, with an expense ratio of 0.12% compared to Fund A's 0.64%.
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