Nippon India Small Cap Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
20.63%
3Y Return
20.86%
Chaliye dekho, main aapko do small cap funds ke baare mein batane ja raha hoon: Nippon India Small Cap Fund aur JM Financial Multi Cap Fund. Ye do funds alag-alag categories mein aate hain lekin inki aapne fund ke liye zaroorat hai apne investment ke liye. Main aapko iske comparison ke baare mein batane jaunga aur inme se kis fund ki aapko invest karna chahiye.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Nippon India | JM Financial |
| Category | Small Cap | Multi Cap |
| NAV (₹) | 194.77 | 19.01 |
| AUM (₹ Cr) | 7.27 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.64% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 18.66 | 14.35 |
| Sharpe Ratio | 0.76 | 1 |
| 1 Year Return (%) | 5.69% | 5.23% |
| 3 Year Return (%) | 20.63% | 20.86% |
| 5 Year Return (%) | 21.91% | 0% |
| Since Launch (%) | 23.95% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 3 February 2023 |
| 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 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (1.89%), Multi Commodity Exchange Of India Ltd. (1.76%), Bharat Heavy Electricals Ltd. (1.67%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Equity: 97.17% | CD: 0.21% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 32% | 44% |
🤖 AI Verdict – Which is Better?
Haan, ismein aapko koi confusion nahin hogi. Fund B, JM Financial Multi Cap Fund, long-term wealth creation ke liye better hai. Iska 3Y return 20.86% hai, jo Fund A se zyada hai. Iske alawa, expense ratio 1.68% hai, jo Fund A ke 0.64% se zyada hai. Riskometer bhi dono fund Very High hai, lekin Fund A ke volatility 18.66 hai, jo Fund B ke 14.35 se zyada hai. Sharpe ratio Fund B ka 1 hai, jo Fund A ka 0.76 se zyada hai. Sach ye hai, Fund B aapke long-term investment ke liye better fund 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 JM Financial Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
Chaliye dekho, SIP suitability ke liye, ismein consistency aur return stability ka dhyan dena hoga. Fund B ke 1Y return 5.23% hai, jo Fund A ke 5.69% se kam hai, lekin 3Y return 20.86% hai, jo Fund A ke 20.63% se zyada hai. Fund A ke SIP investors ke liye consistent return deta hai, lekin Fund B ke return se zyada hai. Haan, Fund B ke expense ratio 1.68% hai, jo Fund A ke 0.64% se zyada hai.
⚠️ Risk & Cost Analysis
Chaliye dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ke rishte mein dekhte hain. Dono fund Very High riskometer par aate hain, lekin Fund A ke volatility 18.66 hai, jo Fund B ke 14.35 se zyada hai. Sharpe ratio Fund B ka 1 hai, jo Fund A ka 0.76 se zyada hai. Expense ratio Fund A ka 0.64% hai, jo Fund B ke 1.68% se kam hai. Haan, risk-adjusted return ke liye, Fund B better hai.
📊 Portfolio Diversification
Chaliye dekho, asset allocation aur top holdings concentration ke rishte mein dekhte hain. Fund A ke asset allocation mein Equity 97.17% hai aur CD 0.21% hai, jo Fund B ke Equity 97.00% aur T-Bills 3.00% se alag hai. Fund A ke top 3 holdings mein HDFC Bank Ltd, Multi Commodity Exchange Of India Ltd, aur Bharat Heavy Electricals Ltd hain, jo Fund B ke HDFC Bank Ltd, ICICI Bank Ltd, aur Reliance Industries Ltd se alag hain. Haan, Fund A ke asset allocation aur top holdings concentration se, Fund A ka portfolio diversified hai.
Q1: Which fund gives better returns in the long run?
Sach ye hai, Fund B ki 5Y return 21.91% hai, jo Fund A ki 21.91% se barabar hai. Haan, Fund B ke 3Y return 20.86% hai, jo Fund A ke 20.63% se zyada hai. Isliye, Fund B aapke long-term investment ke liye better fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ke higher risk se, aapko zyada returns milega, lekin aapko yeh dhyan rakhna hoga ki Fund B ka volatility 14.35 hai, jo Fund A ka 18.66 se kam hai. Iske alawa, Sharpe ratio Fund B ka 1 hai, jo Fund A ka 0.76 se zyada hai. Isliye, Fund B ke higher risk se, aapko zyada returns milega, lekin aapko yeh dhyan rakhna hoga.
Q3: Which fund is more cost-effective?
Chaliye dekho, expense ratio ke liye, Fund A ka 0.64% hai, jo Fund B ke 1.68% se kam hai. Isliye, Fund A aapke liye better cost-effective fund hai. Haan, yeh dhyan rakhna hoga ki Fund A ke expense ratio Fund B ke expense ratio se kam hai, lekin Fund A ke returns Fund B ke returns se kam hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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