SBI Liquid Fund vs Nippon India Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
15.4%
Hum aajke is article mein do mutual funds Fund A aur Fund B ke beech ka comparison karenge. Fund A SBI Liquid Fund Direct Plan Growth hai aur Fund B Nippon India Large Cap Fund Direct Plan Growth hai. Dekho, yeh dono fund different categories mein hain lekin ham unke beech ka comparison karke pata karenge ki kis fund mein investment karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BNippon India Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 98.75 |
| AUM (₹ Cr) | 7.12 Lac Cr | 5.17 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.8% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.25 |
| Sharpe Ratio | 3.25 | 0.73 |
| 1 Year Return (%) | 6.15% | -0.91% |
| 3 Year Return (%) | 6.89% | 15.4% |
| 5 Year Return (%) | 6.09% | 16.46% |
| Since Launch (%) | 6.79% | 15.3% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) |
| Benchmark | NIFTY Liquid Index | BSE 100 Total Return Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), Reliance Industries Ltd. (4.3%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.43% |
| Portfolio Turnover | 260% | 70% |
🤖 AI Verdict – Which is Better?
Chaliye, hum pehle fund ki categories ko dekhenge. Fund A Liquid fund hai aur Fund B Large Cap fund hai. Liquid fund mein investment karna hai agar tumhe choti duration mein paise ka access chahiye, lekin large cap fund mein investment karna hai agar tumhe long-term wealth creation chaahiye. Fund B ka 3Y return 15.4% hai, jo Fund A se bahut jyada hai. Lekin Fund A ka expense ratio 0.12% hai, jo Fund B se kam hai. Riskometer ke hisab se, Fund A ka risk low hai, lekin Fund B ka risk high hai. Haan, tumhe Fund B ki high risk ka risk nahi karna chahiye. To, hamara verdict hai ki Fund A better hai long-term wealth creation ke liye.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Nippon India Large Cap Fund?
- Expense ratio: 0.8%
- 3Y return: 15.4%
- AUM: 5.17 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP (Systematic Investment Plan) karna hai agar tumhe market jokhim se bachna hai aur long-term wealth creation chaahiye. Chaliye, hum SIP suitability ke liye Fund A aur Fund B ka comparison karenge. Fund A ka 1Y return 6.15% hai, jo stable hai, lekin Fund B ka 1Y return -0.91% hai, jo unstable hai. Haan, Fund A ka consistency aur return stability Fund B se jyada hai. To, tumhe Fund A ke liye SIP karna chahiye.
⚠️ Risk & Cost Analysis
Chaliye, hum riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se Fund A aur Fund B ka comparison karenge. Fund A ka riskometer low hai, jo Fund B se kam hai. Volatility ke hisab se, Fund A ka volatility 0.12 hai, jo Fund B se kam hai. Haan, Fund A ka Sharpe ratio 3.25 hai, jo Fund B se jyada hai. To, Fund A better risk-adjusted returns offer karta hai. Lekin, Fund B ka expense ratio 0.8% hai, jo Fund A se jyada hai. To, Fund A cost-effective hai.
📊 Portfolio Diversification
Chaliye, hum asset allocation aur top holdings concentration ke hisab se Fund A aur Fund B ka comparison karenge. Fund A ka asset allocation T-Bills mein 65% hai, jo stable hai, lekin Fund B ka asset allocation equity mein 96.43% hai, jo unstable hai. Haan, Fund A ka asset allocation Fund B se jyada diversified hai. Lekin, Fund A ka top holdings concentration State Bank of India CD mein 8.5% hai, jo Fund B ka top holdings concentration HDFC Bank Ltd. mein 9.24% hai. To, Fund A sector risk se bachta hai, lekin Fund B sector risk se jyada prabhavit hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Nippon India Large Cap Fund
₹1428138.45
@15.4% 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?
Sach ye hai ki Fund A ka 5Y return 6.09% hai, jo Fund B ka 5Y return 16.46% se kam hai. Haan, Fund B ka 3Y return 15.4% hai, jo Fund A ka 3Y return 6.89% se jyada hai. Lekin, Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio 0.8% se kam hai. To, hamara verdict hai ki Fund B Fund A se better returns deta hai long run mein.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Fund B ka riskometer Very High hai, lekin Fund B ka Sharpe ratio 0.73 hai, jo Fund A ka Sharpe ratio 3.25 se kam hai. Haan, Fund B ka volatility 12.25 hai, jo Fund A ka volatility 0.12 se jyada hai. To, hamara verdict hai ki Fund B ki high risk ki koi value nahi hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio 0.8% se kam hai. Haan, Fund A ka AUM 71,248.45 Cr hai, jo Fund B ka AUM 51,690.28 Cr se jyada hai. To, hamara verdict hai ki Fund A Fund B se 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