Nippon India Small Cap Fund vs Navi 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%
Dekho, aapko do mutual funds ke beech ki tulna karni hai. Fund A, Nippon India Small Cap Fund, small cap category mein hai, jabki Fund B, Navi Mutual Fund Liquid Fund, liquid fund category mein hai. Aaj hum aapko fund A aur B ke beech ki tulna karnge aur aapko bataenge ki konsa fund long-term wealth creation ke liye achha hai.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Navi Mutual Fund |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 5622.79 |
| AUM (₹ Cr) | 7.27 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 18.66 | 0.13 |
| Sharpe Ratio | 0.76 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Chaliye, hum Fund A aur Fund B ke beech ki tulna karte hain. Fund A ka 3Y return 20.63%, jabki Fund B ka 3Y return 6.93% hai. Expense ratio ke liye bhi Fund A 0.64%, jabki Fund B 0.12% hai. Riskometer ke liye bhi Fund A zyada risk valla hai. Haan, Fund B low risk valla fund hai. Lekin, Fund A ka long-term return Fund B se zyada hai. Sach ye hai, Fund A long-term wealth creation ke liye 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Monthly SIP ke liye dono funds achhe hain, lekin Fund B consistency aur return ki stability ke liye achha hai. Fund B ka 1Y return 6.17%, jabki Fund A ka 1Y return 5.69% hai. Chaliye, Fund B monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye Fund A zyada risk valla hai. Sharpe ratio ke liye bhi Fund B better hai. Expense ratio ke liye Fund B 0.12%, jabki Fund A 0.64% hai. Haan, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke liye Fund B zyada diversified hai. Top holdings concentration ke liye bhi Fund B better hai. Fund B mein T-Bills, CD, CP, aur Cash hai. Fund A mein Equity aur CD hi hai. Haan, Fund B ka portfolio diversified hai, fund A ka portfolio less diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
Navi 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?
Fund A ka 5Y return 21.91% hai, jabki Fund B ka 5Y return 6.11% hai. Fund A long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Fund A ka volatility 18.66 hai, jabki Fund B ka volatility 0.13 hai. Lekin, Fund A ka Sharpe ratio 0.76 hai, jabki Fund B ka Sharpe ratio 3.31 hai. Haan, Fund A ka higher risk fund worth 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. Haan, 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