SBI Liquid Fund vs Nippon India Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
19.38%
Hamare paas do aise funds hain jo aapko apne investmen ki need ke anusaar chunne mein madad karenge. Fund A, SBI Liquid Fund ek Liquid fund hai jo high returns par low risk pradan karti hai. Fund B, Nippon India Multi Cap Fund ek Multi Cap fund hai jo high risk aur high return pradan karti hai. Yeh post mein hum aapko fund A aur fund B ki comparison karke bataayenge ki kis fund ko aap long-term wealth creation ke liye chun sakte hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BNippon India Multi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 327.56 |
| AUM (₹ Cr) | 7.12 Lac Cr | 5.26 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.84% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.38 |
| Sharpe Ratio | 3.25 | 0.9 |
| 1 Year Return (%) | 6.15% | 1.81% |
| 3 Year Return (%) | 6.89% | 19.38% |
| 5 Year Return (%) | 6.09% | 20.94% |
| Since Launch (%) | 6.79% | 15.99% |
| 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; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.16%), ICICI Bank Ltd. (4.1%), Axis Bank Ltd. (3.41%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 99.5% |
| Portfolio Turnover | 260% | 89% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum Fund A ki 3Y return, expense ratio, aur risk ke hisaab se Fund B ko behtar fund samjhte hain. Fund A ki 3Y return 6.89% hai, jo Fund B ki 19.38% se kam hai. Lekin, Fund A ki expense ratio 0.12% hai, jo Fund B ki 0.84% se kam hai. Risk ke hisaab se, Fund A ki riskometer low hai, jo Fund B ki very high riskometer se behtar hai. Isliye, hum Fund A ko behtar fund samjhte hain.
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 Multi Cap Fund?
- Expense ratio: 0.84%
- 3Y return: 19.38%
- AUM: 5.26 Lac Cr
- Sharpe Ratio: 0.9
📈 SIP Suitability
SIP (Systmatic Investment Plan) ke liye, hum Fund B ko behtar fund samjhte hain. Fund B ki return stability aur consistency Fund A se behtar hai. Fund B ki 1Y return 1.81% hai, jo Fund A ki 6.15% se kam hai. Lekin, Fund B ki 3Y return 19.38% hai, jo Fund A ki 6.89% se behtar hai. Isliye, Fund B ko monthly SIP ke liye behtar fund samjhte hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se, hum Fund A ko behtar fund samjhte hain. Fund A ki riskometer low hai, jo Fund B ki very high riskometer se behtar hai. Fund A ki volatility 0.12 hai, jo Fund B ki 14.38 se kam hai. Sharpe ratio ke hisaab se, Fund A ki 3.25 ratio Fund B ki 0.9 ratio se behtar hai. Expense ratio ke hisaab se, Fund A ki expense ratio 0.12% hai, jo Fund B ki 0.84% se kam hai. Isliye, Fund A ko behtar fund samjhte hain.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, hum Fund A ko behtar fund samjhte hain. Fund A ki asset allocation T-Bills (65%), CD (20%), CP (10%), aur cash (5%) se hoti hai, jo Fund B ki equity (99.5%) se behtar hai. Top holdings concentration ke hisaab se, Fund A ki top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) se hoti hai, jo Fund B ki top 3 holdings HDFC Bank Ltd. (6.16%), ICICI Bank Ltd. (4.1%), aur Axis Bank Ltd. (3.41%) se behtar hai. Isliye, Fund A ko behtar fund samjhte hain.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Nippon India Multi Cap Fund
₹1836667.31
@19.4% 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?
Long run mein, Fund A ki 5Y return 6.09% hai, jo Fund B ki 20.94% se kam hai. Isliye, Fund B Fund A se behtar fund hai long run mein.
Q2: Is the higher risk fund worth it?
Higher risk fund ke hisaab se, Fund B ki volatility 14.38 hai, jo Fund A ki 0.12 se kam hai. Sharpe ratio ke hisaab se, Fund A ki 3.25 ratio Fund B ki 0.9 ratio se behtar hai. Isliye, Fund A ko higher risk ke liye behtar fund samjhte hain.
Q3: Which fund is more cost-effective?
Cost-effectiveness ke hisaab se, Fund A ki expense ratio 0.12% hai, jo Fund B ki 0.84% se kam hai. Isliye, Fund A ko cost-effective fund samjhte hain.
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