Angel One Mutual Fund Liquid Fund vs ICICI Prudential Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
15.42%
Today, we're comparing two vastly different funds - Angel One Mutual Fund Liquid Fund and ICICI Prudential Small Cap Fund. Dekho, these funds belong to different asset classes, one being a Liquid Fund and the other a Small Cap Fund. We'll examine these funds to determine which one is better for long-term wealth creation.
In this article, we'll delve into the performance, risk, and cost of both funds to help you make an informed decision.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BICICI Prudential Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | ICICI Prudential |
| Category | Liquid Fund | Small Cap |
| NAV (₹) | 2132.04 | 96.92 |
| AUM (₹ Cr) | 4.67 Lac Cr | 2.27 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.82% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 17.48 |
| Sharpe Ratio | 2.36 | 0.51 |
| 1 Year Return (%) | 6.03% | 1.68% |
| 3 Year Return (%) | 6.76% | 15.42% |
| 5 Year Return (%) | 5.95% | 17.22% |
| Since Launch (%) | 6.23% | 16.62% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Harsh Upadhyaya; Sharmila D'Silva (4.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 221% | 21% |
🤖 AI Verdict – Which is Better?
Haan, based on our analysis, we think the Liquid Fund is better for long-term wealth creation. Chaliye, let's look at the 3Y return - 6.76% for the Liquid Fund and 15.42% for the Small Cap Fund. Though the Small Cap Fund has a higher 3Y return, we also need to consider the expense ratio, which is 0.82% for the Small Cap Fund compared to 0.12% for the Liquid Fund. Sach ye hai, the Liquid Fund offers better value for money in the long run.
However, if you're looking for high returns in the short term, the Small Cap Fund might be a better option. Lekin, please note that it comes with a higher risk, as evident from its riskometer.
Why consider Angel One Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
Why consider ICICI Prudential Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 15.42%
- AUM: 2.27 Lac Cr
- Sharpe Ratio: 0.51
📈 SIP Suitability
For a monthly SIP of 10+ years, we think the Liquid Fund is a more suitable option. Dekho, it offers consistent returns with lower volatility, making it a safer choice for long-term investments.
The Small Cap Fund, on the other hand, has higher volatility, which might not be suitable for SIPs. Chaliye, if you're looking for a high-return investment, you might want to consider other options.
⚠️ Risk & Cost Analysis
Let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Dekho, the Liquid Fund has a Low riskometer, 0.11 volatility, and a Sharpe ratio of 2.36. The Small Cap Fund, on the other hand, has a Very High riskometer, 17.48 volatility, and a Sharpe ratio of 0.51.
The expense ratio is also significantly lower for the Liquid Fund at 0.12% compared to 0.82% for the Small Cap Fund. Sach ye hai, the Liquid Fund offers better risk-adjusted returns.
📊 Portfolio Diversification
Let's compare the asset allocation and top holdings concentration of both funds. Dekho, the Liquid Fund has a diversified portfolio with 65% T-Bills, 20% CD, 10% CP, and 5% Cash. The Small Cap Fund, on the other hand, has a more concentrated portfolio with 91% Equity and 9% Cash & Equivalents.
The Liquid Fund also has a lower top holdings concentration with 8.5% in State Bank of India CD, 7.2% in HDFC Bank CD, and 6.8% in Reliance Industries T-Bills. The Small Cap Fund has a higher top holdings concentration with 3.2% in Aarti Drugs Ltd., 2.9% in Hatsun Agro Product Ltd., and 2.7% in National Aluminium Company Ltd.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
ICICI Prudential Small Cap Fund
₹1429907.82
@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?
Based on 5Y/3Y returns, the Liquid Fund has a 5Y return of 5.95% and a 3Y return of 6.76%, while the Small Cap Fund has a 5Y return of 17.22% and a 3Y return of 15.42%. Dekho, the Small Cap Fund has higher returns in the long run.
Q2: Is the higher risk fund worth it?
Chaliye, the Small Cap Fund has a Very High riskometer and high volatility of 17.48, while the Liquid Fund has a Low riskometer and a volatility of 0.11. Dekho, the Sharpe ratio of the Liquid Fund is 2.36, while the Small Cap Fund has a Sharpe ratio of 0.51. Lekin, if you're willing to take on higher risk for potentially higher returns, the Small Cap Fund might be worth it.
Q3: Which fund is more cost-effective?
Sach ye hai, the Liquid Fund has a lower expense ratio of 0.12% compared to 0.82% for the Small Cap Fund. Dekho, this means the Liquid Fund is more cost-effective in the long run.
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