Nippon India Small Cap Fund vs LIC Mutual Fund 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%
Ab aapko do fund ke beech mein comparison karne ke liye aaya hoon, Nippon India Small Cap Fund aur LIC Mutual Fund Multi Cap Fund. Ye dono fund very high riskometer ke under aate hain. Dekho, kya ye fund aapke long-term wealth creation ke liye achhe hain?
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Nippon India | LIC Mutual Fund |
| Category | Small Cap | Multi Cap |
| NAV (₹) | 194.77 | 19.01 |
| AUM (₹ Cr) | 7.27 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 0.64% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 18.66 | 13.9 |
| Sharpe Ratio | 0.76 | 1.03 |
| 1 Year Return (%) | 5.69% | 5.23% |
| 3 Year Return (%) | 20.63% | 20.86% |
| 5 Year Return (%) | 21.91% | 11.46% |
| 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) | Yogesh Patil (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% | 38% |
🤖 AI Verdict – Which is Better?
Our verdict hai ki Nippon India Small Cap Fund better hai long-term wealth creation ke liye. Ye fund 3Y return ke hisab se 20.63% return deta hai, jabki LIC Mutual Fund Multi Cap Fund 20.86% return deta hai lekin expense ratio 1.68% hai, jo Nippon India Small Cap Fund ki 0.64% se acha nahi hai. Therefore, Nippon India Small Cap Fund better 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
Agar aapko monthly SIP ke liye 10+ years ke liye fund chunana hai, toh Nippon India Small Cap Fund better hai. Ye fund consistency aur return stability ke liye achha hai. LIC Mutual Fund Multi Cap Fund ki asset allocation mein T-Bills 3% hai, jo Nippon India Small Cap Fund ki asset allocation mein CD 0.21% se acha nahi hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke hisab se dekha jaata hai. Nippon India Small Cap Fund ki volatility 18.66 hai, jabki LIC Mutual Fund Multi Cap Fund ki volatility 13.9 hai. Sharpe ratio ke hisab se bhi Nippon India Small Cap Fund better hai. Expense ratio ke hisab se bhi Nippon India Small Cap Fund cost-effective hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisab se dekha jaata hai. Nippon India Small Cap Fund ki asset allocation mein Equity 97.17% hai, jabki LIC Mutual Fund Multi Cap Fund ki asset allocation mein Equity 97.00% hai. Top holdings concentration ke hisab se bhi dono fund similar hain. Lekin sector risk ke hisab se, Nippon India Small Cap Fund ki asset allocation mein HDFC Bank Ltd. 1.89% hai, jo LIC Mutual Fund Multi Cap Fund ki asset allocation mein HDFC Bank Ltd. 6.5% se acha nahi hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
LIC Mutual Fund 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.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
Nippon India Small Cap Fund aur LIC Mutual Fund Multi Cap Fund dono fund very high riskometer ke under aate hain. Lekin 5Y return ke hisab se Nippon India Small Cap Fund 21.91% return deta hai, jabki LIC Mutual Fund Multi Cap Fund 11.46% return deta hai. Therefore, Nippon India Small Cap Fund better hai.
Q2: Is the higher risk fund worth it?
Nippon India Small Cap Fund ki volatility 18.66 hai, jabki LIC Mutual Fund Multi Cap Fund ki volatility 13.9 hai. Sharpe ratio ke hisab se bhi Nippon India Small Cap Fund better hai. Lekin agar aap risk aapke investment ke liye accept karte hain, toh Nippon India Small Cap Fund aapke liye achha fund ho sakta hai.
Q3: Which fund is more cost-effective?
Nippon India Small Cap Fund ki expense ratio 0.64% hai, jabki LIC Mutual Fund Multi Cap Fund ki expense ratio 1.68% hai. Lekin dono fund expense ratio ki comparison karne ke liye aapke paas pata nahi hai ki exit load kya hai. Lekin aapko pata hai ki Nippon India Small Cap Fund 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