Axis Liquid Fund vs ICICI Prudential Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
6.93%
Today, dekho main aapko do liquid funds ke baare mein batane jaa raha hoon - Axis Liquid Fund aur ICICI Prudential Liquid Fund. Ye donon funds SEBI ka Riskometer Low category mein aate hain. Is article mein hum aapko fund ke 3Y return, expense ratio aur risk ke baare mein batayenge.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | ICICI Prudential |
| Category | Liquid | Liquid |
| NAV (₹) | 3096.85 | 411.88 |
| AUM (₹ Cr) | 5.16 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 4.36 | 3.58 |
| 1 Year Return (%) | 6.25% | 6.15% |
| 3 Year Return (%) | 6.98% | 6.93% |
| 5 Year Return (%) | 6.17% | 6.11% |
| Since Launch (%) | 6.86% | 6.84% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | CP: 53.47% | CD: 31.44% | T-Bills: 11.86% | Debenture: 0.88% | Money Mkt: 0.39% | Bonds/NCD: 0.28% | NCD: 0.24% | Debt: 0.09% | IRS: 0.0% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 207% | 241% |
🤖 AI Verdict – Which is Better?
Haan, ismein koi shakk nahin hai ki long-term wealth creation ke liye 3Y return aur expense ratio ka bahut bada role hota hai. Dekho, Axis Liquid Fund ka 3Y return 6.98% hai jabki ICICI Prudential Liquid Fund ka 6.93% hai. Lekin expense ratio ke hisaab se bhi Axis Liquid Fund better hain. To, hamara verdict hai ki Axis Liquid Fund long-term wealth creation ke liye better fund hai.
Why consider Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
Why consider ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Monthly SIP ke liye 10+ years ke liye fund ki consistency aur return stability ka bahut bada role hota hai. Chaliye, hum donon funds ke 1Y aur 3Y return ke hisaab se dekhte hain. Axis Liquid Fund ka 3Y return 6.98% hai jabki ICICI Prudential Liquid Fund ka 6.93% hai. Isse lagta hai ki Axis Liquid Fund SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Ab hum dekhte hain ki donon funds mein riskometer, volatility, Sharpe ratio, aur expense ratio ka kya hai. Dekho, Axis Liquid Fund ka riskometer Low hai, volatility 0.11 hai, Sharpe ratio 4.36 hai, aur expense ratio 0.11% hai. ICICI Prudential Liquid Fund ka riskometer bhi Low hai, volatility 0.12 hai, Sharpe ratio 3.58 hai, aur expense ratio 0.12% hai. Isse lagta hai ki Axis Liquid Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Ab hum dekhte hain ki donon funds mein asset allocation aur top holdings concentration ka kya hai. Dekho, Axis Liquid Fund ka asset allocation CP 53.47% hai, CD 31.44% hai, aur T-Bills 11.86% hai. ICICI Prudential Liquid Fund ka asset allocation T-Bills 65.00% hai, CD 20.00% hai, aur CP 10.00% hai. Isse lagta hai ki Axis Liquid Fund asset allocation ke hisaab se better diversified hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
ICICI Prudential Liquid Fund
₹867076.87
@6.9% 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?
Axis Liquid Fund ka 5Y return 6.17% hai jabki ICICI Prudential Liquid Fund ka 6.11% hai. Isse lagta hai ki Axis Liquid Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Axis Liquid Fund ka volatility 0.11 hai jabki ICICI Prudential Liquid Fund ka 0.12 hai. Sharpe ratio ke hisaab se bhi Axis Liquid Fund better hai. Isse lagta hai ki higher risk fund nahin hai, lekin Axis Liquid Fund better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Axis Liquid Fund ka expense ratio 0.11% hai jabki ICICI Prudential Liquid Fund ka 0.12% hai. Isse lagta hai ki Axis Liquid Fund more 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