Nippon India Small Cap Fund vs Tata 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%
Aaj hum do alag-alag prakaar ke mutual fund ke baare mein janaayenge. Fund A, Nippon India Small Cap Fund, ek Small Cap fund hai, jabki Fund B, Tata Mutual Fund Liquid Fund, ek Liquid fund hai. Is article mein hum Fund A aur Fund B ke beech ka tulna karenge aur jaanne ke liye kya dhang se invest karne ka hoga.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Tata Mutual Fund |
| Category | Small Cap | Liquid Fund |
| NAV (₹) | 194.77 | 5622.79 |
| AUM (₹ Cr) | 7.27 Lac Cr | 3.50 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum Fund B ko better fund kehnege. Fund B ka 3Y return 6.93% hai, jo Fund A ka 20.63% se kam hai. Lekin expense ratio ke hisab se, Fund B 0.12% ka expense ratio le raha hai, jo Fund A ka 0.64% se kam hai. Riskometer ke hisab se, Fund B low risk fund hai, jabki Fund A high risk fund hai. To, hum Fund B par trust karenge.
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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Monthly SIP ke liye, Fund B aisa hoga jisme invest karna chahiye. Fund B ka 1Y return 6.17% hai, jo Fund A ka 5.69% se zyada hai. Fund B ka expense ratio bhi kam hai, jo SIP investors ke liye achha hai. Fund B ka asset allocation bhi jansamanya hai, jo SIP ki stability ke liye achha hai.
⚠️ Risk & Cost Analysis
Hum Fund A aur Fund B ke riskometer, volatility, sharpe ratio, aur expense ratio ka tulna karenge. Fund A ka riskometer very high hai, jo Fund B ka low riskometer se alag hai. Volatility ke hisab se, Fund A ka volatility 18.66 hai, jo Fund B ka 0.13 se bahut zyada hai. Sharpe ratio ke hisab se, Fund B ka sharpe ratio 3.31 hai, jo Fund A ka 0.76 se zyada hai. Expense ratio ke hisab se, Fund B ka expense ratio 0.12% hai, jo Fund A ka 0.64% se kam hai. To, Fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Hum Fund A aur Fund B ke asset allocation aur top holdings concentration ka tulna karenge. Fund A ka asset allocation 97.17% equity aur 0.21% CD hai, jo Fund B ka asset allocation 65.00% T-Bills, 20.00% CD, 10.00% CP, aur 5.00% cash se alag hai. Fund A ka top holdings concentration HDFC Bank Ltd. (1.89%), Multi Commodity Exchange Of India Ltd. (1.76%), aur Bharat Heavy Electricals Ltd. (1.67%) hai, jo Fund B ka top holdings concentration State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) se alag hai. To, Fund B ka asset allocation aur top holdings concentration dono hi Fund A se jansamanya hai.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
Tata 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?
Long run ke liye, Fund B better returns deta hai. Fund B ka 5Y return 6.11% hai, jo Fund A ka 21.91% se kam hai. Lekin 3Y return ke hisab se, Fund A ka 20.63% Fund B ka 6.93% se zyada hai. To, long run ke liye Fund B better hai, jabki 3Y return ke liye Fund A better hai.
Q2: Is the higher risk fund worth it?
Nahin, higher risk fund worth nahin hai. Fund A ka riskometer very high hai, jo Fund B ka low riskometer se alag hai. Volatility ke hisab se, Fund A ka volatility 18.66 hai, jo Fund B ka 0.13 se bahut zyada hai. Sharpe ratio ke hisab se, Fund B ka sharpe ratio 3.31 hai, jo Fund A ka 0.76 se zyada hai. To, higher risk fund, jaise Fund A, worth nahin hai.
Q3: Which fund is more cost-effective?
Fund B more cost-effective hai. Fund B ka expense ratio 0.12% hai, jo Fund A ka 0.64% se kam hai. To, Fund B ka expense ratio Fund A se kam hai, jo usse more cost-effective banata 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