Nippon India Small Cap Fund vs LIC 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%
Ek baar phir hum aaye hain fund compare karne ke liye. Aaj hum do fundon ka compare kar rahe hain - Nippon India Small Cap Fund aur LIC Mutual Fund Liquid Fund. Ye do fund alag-alag category ke hain. Fund A small cap fund hai, jabki fund B liquid fund hai. Is article mein hum do fundon ka comparison karke pata karenge ki kis fund mein long term mein investment karna hoga.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | LIC Mutual Fund |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 5622.79 |
| AUM (₹ Cr) | 7.27 Lac Cr | 4.02 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% | 6.17% |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Hum long term wealth creation ke liye fund compare kar rahe hain. 3Y return, expense ratio, aur risk ke basis par, hamara verdict hai ki Fund A (Nippon India Small Cap Fund) long term mein accha fund hai. Iska 3Y return 20.63% hai, jo ki fund B (LIC Mutual Fund Liquid Fund) ka 3Y return 6.93% se zyada hai. Sath hi, fund A ka expense ratio 0.64% hai, jo ki fund B ka expense ratio 0.12% se zyada hai. Riskometer ke basis par bhi fund A high risk hai, lekin yehi fund long term mein accha return de sakta 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye fund compare karte hain. Hum 10 saal ke liye monthly SIP ke liye fund compare kar rahe hain. Fund A ka 3Y return 20.63% hai, jabki fund B ka 3Y return 6.93% hai. Isse hum samajhte hain ki fund A SIP ke liye accha fund hai. Fund A ka 1Y return bhi 5.69% hai, jo ki fund B ka 1Y return 6.17% se kam hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke basis par hum risk-adjusted returns compare kar rahe hain. Fund A ka riskometer Very High hai, jo ki fund B ka riskometer Low hai. Lekin, fund A ka Sharpe ratio 0.76 hai, jo ki fund B ka Sharpe ratio 3.58 se kafi alag hai. Isse hum samajhte hain ki fund B low risk hai, lekin yehi fund risk-adjusted returns pradan karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke basis par hum portfolio diversification compare kar rahe hain. Fund A ka asset allocation Equity 97.17% hai, jabki cash 0.21% hai. Fund B ka asset allocation T-Bills 65.00% hai, jabki CD 20.00% hai. Fund A ka top holdings HDFC Bank Ltd. (1.89%), Multi Commodity Exchange Of India Ltd. (1.76%), aur Bharat Heavy Electricals Ltd. (1.67%) hai. Fund B ka top holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Isse hum samajhte hain ki fund A asset allocation aur top holdings concentration mein fund B se alag hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
LIC 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?
Long run ke liye, Fund A (Nippon India Small Cap Fund) ka 5Y return 21.91% hai, jo ki fund B (LIC Mutual Fund Liquid Fund) ka 5Y return 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Higher risk fund (Fund A) ka volatility 18.66 hai, jo ki fund B ka volatility 0.12 se zyada hai. Lekin, fund A ka Sharpe ratio 0.76 hai, jo ki fund B ka Sharpe ratio 3.58 se kam hai. Isse hum samajhte hain ki fund B low risk hai, lekin yehi fund risk-adjusted returns pradan karta hai.
Q3: Which fund is more cost-effective?
Expense ratio ke basis par, fund B (LIC Mutual Fund Liquid Fund) ka expense ratio 0.12% hai, jo ki fund A (Nippon India Small Cap Fund) ka expense ratio 0.64% se kam hai. Isse hum samajhte hain ki 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