Nippon India Small Cap Fund vs SBI Contra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
20.63%
3Y Return
16.36%
Today, we're comparing Nippon India Small Cap Fund and SBI Contra Fund to help you decide which one is better for your long-term wealth creation goals. Both funds are in the Very High risk category, but they belong to different asset classes - Small Cap and Multi Cap. Dekho, let's dive in and find out which one is the winner.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BSBI Contra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | SBI Mutual Fund |
| Category | Small Cap | Multi Cap |
| NAV (₹) | 194.77 | 408.51 |
| AUM (₹ Cr) | 7.27 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.72% |
| Riskometer | Very High | Very High |
| Volatility | 18.66 | 13.7 |
| Sharpe Ratio | 0.76 | 0.72 |
| 1 Year Return (%) | 5.69% | -1.21% |
| 3 Year Return (%) | 20.63% | 16.36% |
| 5 Year Return (%) | 21.91% | 18.26% |
| Since Launch (%) | 23.95% | 15.48% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Kinjal Desai; Samir Rachh (9.4 years yrs) | Dinesh Balachandran; Pradeep Kesavan (8.1 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. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) |
| Asset Allocation | Equity: 97.17% | CD: 0.21% | Equity: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% |
| Portfolio Turnover | 32% | 130% |
🤖 AI Verdict – Which is Better?
Considering the 3Y return, expense ratio, and risk, I'd say Nippon India Small Cap Fund is a clear winner. Its 20.63% 3Y return is higher than SBI Contra Fund's 16.36%. Also, its expense ratio of 0.64% is lower than SBI Contra's 0.72%. Lekin, SBI Contra Fund's top holdings, HDFC Bank Ltd. and Reliance Industries Ltd., are more concentrated. Haan, Nippon India Small Cap Fund's diversified portfolio makes it a better choice for long-term wealth creation.
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 SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
For a monthly SIP of 10+ years, I'd recommend Nippon India Small Cap Fund. Its consistency and return stability make it a better choice. Dekho, its 1Y return of 5.69% is lower than SBI Contra's -1.21%, but its 5Y return of 21.91% is higher. Chaliye, let's consider the longer-term perspective, and Nippon India Small Cap Fund seems to be a better bet.
⚠️ Risk & Cost Analysis
When we compare the riskometer, volatility, Sharpe ratio, and expense ratio, Nippon India Small Cap Fund seems to offer better risk-adjusted returns. Its riskometer rating is Very High, but its Sharpe ratio of 0.76 is higher than SBI Contra's 0.72. Also, its volatility of 18.66 is slightly higher, but its expense ratio of 0.64% is lower. Lekin, SBI Contra Fund's top holdings are more concentrated, which could be a risk. Haan, Nippon India Small Cap Fund's diversified portfolio makes it a better choice.
📊 Portfolio Diversification
When we compare the asset allocation and top holdings concentration, SBI Contra Fund seems to be more diversified. Its asset allocation includes T-Bills, Forgn. Eq, Debenture, CD, REITs, Call Option, and Futures, making it a more diversified portfolio. Dekho, its top holdings, HDFC Bank Ltd. and Reliance Industries Ltd., are just 12.94% of the total portfolio. Chaliye, let's consider the sector risk, and SBI Contra Fund seems to be more diversified. Lekin, Nippon India Small Cap Fund's diversified portfolio makes it a better choice for long-term wealth creation.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
SBI Contra Fund
₹1516047.14
@16.4% 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 with a 5Y return of 21.91% compared to SBI Contra Fund's 18.26%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund is not worth it. Nippon India Small Cap Fund has a higher volatility of 18.66, but its Sharpe ratio of 0.76 is higher than SBI Contra's 0.72. This indicates that Nippon India Small Cap Fund offers better risk-adjusted returns.
Q3: Which fund is more cost-effective?
Nippon India Small Cap Fund is more cost-effective with an expense ratio of 0.64% compared to SBI Contra Fund's 0.72%.
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