Nippon India Small Cap Fund vs PPFAS 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%
Today, we are comparing two popular mutual funds in India: Nippon India Small Cap Fund and PPFAS Mutual Fund Liquid Fund. Dekho, these funds belong to different categories - Small Cap and Liquid Fund, respectively. In this article, we will help you understand which fund is better suited for long-term wealth creation.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | PPFAS Mutual Fund |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 5622.79 |
| AUM (₹ Cr) | 7.27 Lac Cr | 4.41 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Sach ye hai, if you are looking for long-term wealth creation, Nippon India Small Cap Fund is a better option. Its 3Y return is 20.63%, while PPFAS Mutual Fund Liquid Fund has a 3Y return of 6.93%. Haan, Nippon India Small Cap Fund's expense ratio is 0.64%, which is slightly higher than PPFAS Mutual Fund Liquid Fund's expense ratio of 0.12%. Lekin, its riskometer is Very High, which might not be suitable for all investors.
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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
For a monthly SIP of 10+ years, we would recommend PPFAS Mutual Fund Liquid Fund. Dekho, its returns are more stable and consistent over the years. Its 1Y return is 6.17%, while Nippon India Small Cap Fund's 1Y return is 5.69%. Chaliye, this fund is more suitable for long-term SIP investors who want stable returns.
⚠️ Risk & Cost Analysis
Let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Dekho, Nippon India Small Cap Fund has a Very High riskometer, while PPFAS Mutual Fund Liquid Fund has a Low riskometer. Haan, its Sharpe ratio is 3.58, which is higher than Nippon India Small Cap Fund's Sharpe ratio of 0.76. Lekin, its expense ratio is 0.12%, which is lower than Nippon India Small Cap Fund's expense ratio of 0.64%. Sach ye hai, PPFAS Mutual Fund Liquid Fund offers better risk-adjusted returns.
📊 Portfolio Diversification
Let's compare the asset allocation and top holdings of both funds. Dekho, Nippon India Small Cap Fund has 97.17% of its assets in equity, while PPFAS Mutual Fund Liquid Fund has 65.00% of its assets in T-Bills. Haan, Nippon India Small Cap Fund's top holdings are HDFC Bank Ltd., Multi Commodity Exchange Of India Ltd., and Bharat Heavy Electricals Ltd. Lekin, PPFAS Mutual Fund Liquid Fund's top holdings are State Bank of India CD, HDFC Bank CD, and Reliance Industries T-Bills. Sach ye hai, PPFAS Mutual Fund Liquid Fund is more diversified.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
PPFAS 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?
Nippon India Small Cap Fund gives better returns in the long run. Its 5Y return is 21.91%, while PPFAS Mutual Fund Liquid Fund's 5Y return is 6.11%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund is not worth it. Nippon India Small Cap Fund has a Very High riskometer and volatility of 18.66, which might not be suitable for all investors. PPFAS Mutual Fund Liquid Fund has a Low riskometer and volatility of 0.12, which is more suitable for conservative investors.
Q3: Which fund is more cost-effective?
PPFAS Mutual Fund Liquid Fund is more cost-effective. Its expense ratio is 0.12%, while Nippon India Small Cap Fund's expense ratio is 0.64%. Lekin, this might not be the only factor to consider when choosing a fund.
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