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%
Humne do funds compare kiye hain - SBI Liquid Fund aur Nippon India Large Cap Fund. Ye donkein funds asli me ekdum alag categories me hain - Liquid aur Large Cap. Agar aap long-term wealth creation ke liye invest karna chahte hain, toh aapko pata hona chahiye ki kiska fund aapke liye better hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BNippon India Large Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 42.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 5.17 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.56% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.27 |
| 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% | 3.31% |
| Since Launch (%) | 6.79% | 12.7% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 29 November 2012 |
| 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 | Nifty 50 |
| 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?
Sach ye hai ki Nippon India Large Cap Fund 3Y return ke liye aapko 15.4% return de sakta hai, lekin yeh fund jaldi se change kar sakta hai. Expense ratio bhi 1.56% hai, jisse aapko zyada paisa chalaana pad sakta hai. SBI Liquid Fund ka 3Y return 6.89% hai, expense ratio 0.12% hai aur yeh fund aapko stable returns de sakta hai. Haan, Fund A ka 1Y return 6.15% hai, lekin yeh fund overall stability aur low risk ke liye better hai.
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: 1.56%
- 3Y return: 15.4%
- AUM: 5.17 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Aapko SIP (Systematic Investment Plan) ke liye invest karna hai, toh aapko stability aur consistency ki zarurat hai. SBI Liquid Fund consistent returns deti hai, lekin yeh fund kuchh zyada stable nahi hai. Nippon India Large Cap Fund jaldi se change kar sakta hai, lekin yeh fund aapko long-term returns de sakta hai. Haan, aapko yeh bhi pata hona chahiye ki aapka investment objective kya hai. If you are looking for stability, SBI Liquid Fund better hai.
⚠️ Risk & Cost Analysis
Agar aapko risk ki zarurat hai, toh Nippon India Large Cap Fund aapke liye better hai. Yeh fund high riskometer hai, lekin yeh fund aapko high returns de sakta hai. Lekin, expense ratio 1.56% hai, jisse aapko zyada paisa chalaana pad sakta hai. SBI Liquid Fund ka expense ratio 0.12% hai, jisse aapko low cost investment milta hai. Sharpe ratio bhi Fund A ka 3.25 hai, jisse yeh fund aapko better risk-adjusted returns de sakta hai.
📊 Portfolio Diversification
SBI Liquid Fund ka asset allocation T-Bills, CD, CP aur cash me hain. Yeh fund aapko diversification ki zarurat hai. Nippon India Large Cap Fund ka asset allocation 96.43% equity me hai, jisse yeh fund sector risk ke liye aapke liye better nahi hai. Top 3 holdings bhi Fund A ka State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hain, jo aapko diversification ki zarurat 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, jisse yeh fund aapko better returns de sakta hai. Nippon India Large Cap Fund ka 5Y return 3.31% hai, jisse yeh fund Fund A se poora nahi hai.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Nippon India Large Cap Fund high riskometer hai, lekin yeh fund aapko high returns de sakta hai. Lekin, volatility bhi 12.27 hai, jisse yeh fund Fund A se poora nahi hai. Sharpe ratio bhi Fund A ka 3.25 hai, jisse yeh fund aapke liye better hai.
Q3: Which fund is more cost‑effective?
Sach ye hai ki SBI Liquid Fund ka expense ratio 0.12% hai, jisse yeh fund aapke liye cost-effective hai. Nippon India Large Cap Fund ka expense ratio 1.56% hai, jisse yeh fund Fund A se poora nahi hai. Haan, yeh fund aapko high returns de sakta hai, lekin aapko yeh bhi pata hona chahiye ki aapka budget kitna 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