Nippon India Small Cap Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
20.63%
3Y Return
6.55%
Yeh article mein hum Nippon India Small Cap Fund aur Motilal Oswal Liquid Fund ko compare karne wale hain. Ye do funds aapke paas long-term wealth creation ke liye investment ke vikalp hain. Dekho, aapke investment ke liye kya fund aapke liye sahi hoga, yeh janna zaroori hai.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Motilal Oswal |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 14.67 |
| AUM (₹ Cr) | 7.27 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 18.66 | 0.12 |
| Sharpe Ratio | 0.76 | 0.42 |
| 1 Year Return (%) | 5.69% | 5.84% |
| 3 Year Return (%) | 20.63% | 6.55% |
| 5 Year Return (%) | 21.91% | 5.76% |
| Since Launch (%) | 23.95% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Samir Rachh (9.4 years yrs) | Niket Shah (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% | 261% |
🤖 AI Verdict – Which is Better?
Haan, yeh fund dono alag-alag category mein hain. Nippon India Small Cap Fund ek Small Cap fund hai aur Motilal Oswal Liquid Fund ek Liquid Fund hai. Sach ye hai, agar aap long-term wealth creation ke liye invest karna chahte hain, toh Nippon India Small Cap Fund aapke liye better option hoga. Yeh fund 3Y return mein 20.63% ki return de raha hai, jahan par Motilal Oswal Liquid Fund 6.55% ki return de raha hai. Lekin, expense ratio aur riskometer ko bhi dekha jana zaroori 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 Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
SIP (Systematic Investment Plan) ke through invest karna ek achha tareeka hai. Dekho, aapko koi bhi fund chunna hai. Nippon India Small Cap Fund aur Motilal Oswal Liquid Fund dono mein SIP ki consistency aur return stability ko compare karna hoga. Motilal Oswal Liquid Fund ki liquidity aur stability ke karan yeh fund SIP ke liye better option hoga.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ko compare karna zaroori hai. Nippon India Small Cap Fund ki riskometer very high hai, lekin yeh fund 18.66 ki volatility se guzarti hai. Sharpe ratio 0.76 hai, jahan par Motilal Oswal Liquid Fund ki Sharpe ratio 0.42 hai. Expense ratio 0.64% hai, jahan par Motilal Oswal Liquid Fund ki expense ratio 0.12% hai. Sach ye hai, Motilal Oswal Liquid Fund aapke liye risk-adjusted returns ke liye better option hoga.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko compare karna zaroori hai. Nippon India Small Cap Fund mein equity 97.17% aur CD 0.21% hai. Top 3 holdings mein HDFC Bank Ltd., Multi Commodity Exchange Of India Ltd., aur Bharat Heavy Electricals Ltd. hain. Motilal Oswal Liquid Fund mein T-Bills 65.00%, CD 20.00%, CP 10.00%, aur cash 5.00% hai. Top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. Sach ye hai, Motilal Oswal Liquid Fund aapke liye portfolio diversification ke liye better option hoga.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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 5Y return mein 21.91% ki return de raha hai, jahan par Motilal Oswal Liquid Fund 5.76% ki return de raha hai. Toh, Nippon India Small Cap Fund long run mein aapke liye better option hoga.
Q2: Is the higher risk fund worth it?
Nippon India Small Cap Fund ki volatility 18.66 hai, jahan par Motilal Oswal Liquid Fund ki volatility 0.12 hai. Sharpe ratio 0.76 hai, jahan par Motilal Oswal Liquid Fund ki Sharpe ratio 0.42 hai. Toh, Motilal Oswal Liquid Fund aapke liye better risk-adjusted returns ke liye hoga.
Q3: Which fund is more cost-effective?
Motilal Oswal Liquid Fund ki expense ratio 0.12% hai, jahan par Nippon India Small Cap Fund ki expense ratio 0.64% hai. Toh, Motilal Oswal Liquid Fund aapke liye cost-effective hoga.
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