Nippon India Small Cap Fund vs Kotak Mahindra 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 ki comparison. Fund A, Nippon India Small Cap Fund, ek Small Cap fund hai, jabki Fund B, Kotak Mahindra Liquid Fund, ek Liquid Fund hai. Aaj humein iske beech mein difference aur similarity nikalne ke liye jaana hai. Fund A mein se long-term wealth creation ke liye kya hai, iske beech mein aapka fund choice kaise hoga, yeh sab kuchh humein is article mein jaanne ke liye hoga.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Kotak Mahindra |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 5622.79 |
| AUM (₹ Cr) | 7.27 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.12% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B ke beech mein humein Fund A ko better fund mana hoga, lekin kyon? Isliye kyon? Fund A ka 3Y return 20.63% hai, jabki Fund B ka 3Y return 6.93% hai. Fund A ke expense ratio 0.64% hai, jabki Fund B ke expense ratio 0.12% hai. Aur Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Toh Fund A long-term wealth creation 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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye Fund A aur Fund B ke beech mein Fund B better hai. Fund B ka return stability aur consistency kaafi better hai. Fund B ka 1Y return 6.17% hai, jabki Fund A ka 1Y return 5.69% hai. Isliye, yadi aap SIP ke liye invest karna chahte hain, toh Fund B aapke liye better fund hai.
⚠️ Risk & Cost Analysis
Fund A aur Fund B ke beech mein riskometer aur volatility ke beech mein kya hai? Fund A ka riskometer Very High hai aur volatility 18.66 hai. Jabki Fund B ka riskometer Low hai aur volatility 0.11 hai. Lekin Fund A ka expense ratio 0.64% hai aur Fund B ka expense ratio 0.12% hai. Toh Fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Fund A aur Fund B ke asset allocation ke beech mein kya hai? Fund A ka 97.17% equity mein invest hai, jabki Fund B ka 65.00% T-Bills mein invest hai. Fund A ka asset allocation bahut hi concentrated hai, jabki Fund B ka asset allocation kaafi diversified hai. Isliye, Fund B ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
Kotak Mahindra 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 ki Fund A ka 5Y return 21.91% hai, jabki Fund B ka 5Y return 6.11% hai. Isliye, Fund A long-term mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Kiya Fund A ka high risk worth hai? Fund A ka volatility 18.66 hai, jabki Fund B ka volatility 0.11 hai. Lekin Fund A ka Sharpe ratio 0.76 hai, jabki Fund B ka Sharpe ratio 3.91 hai. Isliye, Fund B better risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 0.64% hai. Isliye, Fund B 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