Nippon India Small Cap Fund vs UTI Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
20.63%
3Y Return
14.7%
Dekho, if you're thinking of investing in a small cap or large cap fund, this comparison of Fund A: Nippon India Small Cap Fund and Fund B: UTI Mutual Fund Large Cap Fund will help you make a more informed decision. In this article, we'll compare their categories, returns, risk, and cost to choose the better fund for long-term wealth creation.
| Parameter | ANippon India Small Cap Fund - Direct Plan - Growth | BUTI Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | UTI Mutual Fund |
| Category | Small Cap | Large Cap |
| NAV (₹) | 194.77 | 497.22 |
| AUM (₹ Cr) | 7.27 Lac Cr | 2.00 Lac Cr |
| Expense Ratio (%) | 0.64% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 18.66 | 11.79 |
| Sharpe Ratio | 0.76 | 0.7 |
| 1 Year Return (%) | 5.69% | -4.02% |
| 3 Year Return (%) | 20.63% | 14.7% |
| 5 Year Return (%) | 21.91% | 12.03% |
| Since Launch (%) | 23.95% | 11.65% |
| 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) | V. Srivatsa (3.5 years yrs) |
| Benchmark | Nifty Smallcap 250 TRI | Nifty 50 |
| 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. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Equity: 97.17% | CD: 0.21% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 32% | 21% |
🤖 AI Verdict – Which is Better?
Hmm, it's clear that Fund A: Nippon India Small Cap Fund is better for long-term wealth creation. With a 3Y return of 20.63% and an expense ratio of 0.64%, it outperforms Fund B: UTI Mutual Fund Large Cap Fund. Fund B's 3Y return is 14.7% and expense ratio is 0.52%. Fund A is also a better choice because of its higher Sharpe ratio, indicating better risk-adjusted returns. Haan, if you want long-term wealth creation, Fund A is the way to go.
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 UTI Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.00 Lac Cr
- Sharpe Ratio: 0.7
📈 SIP Suitability
Chaliye, let's see which fund is better for a monthly SIP for 10+ years. Fund A: Nippon India Small Cap Fund has a higher 3Y return, but it's also riskier. Fund B: UTI Mutual Fund Large Cap Fund has a lower return, but it's more stable. For long-term SIP investors, Fund B might be a better choice due to its stability. Sach ye hai, if you're risk-averse, Fund B might be the better option.
⚠️ Risk & Cost Analysis
Lekin, let's look at the riskometer, volatility, Sharpe ratio, and expense ratio. Fund A: Nippon India Small Cap Fund has a very high riskometer and high volatility, but its Sharpe ratio is higher. Fund B: UTI Mutual Fund Large Cap Fund has a higher Sharpe ratio and lower volatility. However, its expense ratio is lower. Haan, if you want lower costs and lower risk, Fund B is a better choice. But if you're willing to take on higher risk for potentially higher returns, Fund A might be worth considering.
📊 Portfolio Diversification
Dekho, let's compare the asset allocation of the two funds. Fund A: Nippon India Small Cap Fund has 97.17% equity and 0.21% cash and deposits, while Fund B: UTI Mutual Fund Large Cap Fund has 96% equity and 4% T-Bills. This means Fund A is more concentrated in equity, while Fund B has a more diversified portfolio. Sach ye hai, Fund B's diversified portfolio might be less risky than Fund A's concentrated portfolio.
SIP Calculator – Compare Growth Potential
Nippon India Small Cap Fund
₹1991813.86
@20.6% annual return (3Y)
UTI Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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?
According to 5Y returns, Fund A: Nippon India Small Cap Fund gives better returns in the long run with a return of 21.91%. Fund B: UTI Mutual Fund Large Cap Fund has a lower 5Y return of 12.03%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund (Fund A) might not be worth it. Although it has a higher Sharpe ratio indicating better risk-adjusted returns, its volatility is also higher. On the other hand, Fund B has a lower risk and is more stable.
Q3: Which fund is more cost-effective?
Fund B: UTI Mutual Fund Large Cap Fund is more cost-effective with an expense ratio of 0.52% compared to Fund A: Nippon India Small Cap Fund's expense ratio of 0.64%.
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