HDFC Liquid Fund vs ICICI Prudential Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
12.2%
Dekho, aaj hum do anokhe mutual funds ke beech mein comparison karne ja rahe hain. Fund A HDFC Liquid Fund hai, jo liquid fund category mein aata hai, jabki Fund B ICICI Prudential Balanced Advantage Fund hai, jo hybrid fund category mein aata hai. Aapko yahan par hum is fund ke beech mein kya difference hai, lekin fund B ko long term investment ke liye kyun acha fund hai, ye sab kuchh janne ke liye.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BICICI Prudential Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Liquid | Hybrid |
| NAV (₹) | 5466.12 | 84.60 |
| AUM (₹ Cr) | 7.29 Lac Cr | 7.06 Lac Cr |
| Expense Ratio (%) | 0.2% | 1% |
| Riskometer | Low | Moderately High |
| Volatility | 0.11 | 9.34 |
| Sharpe Ratio | 3 | 0.61 |
| 1 Year Return (%) | 6.08% | 4.35% |
| 3 Year Return (%) | 6.83% | 12.2% |
| 5 Year Return (%) | 6.01% | 11.25% |
| Since Launch (%) | 34.46% | 12.54% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) |
| Asset Allocation | CP: 47.67% | CD: 31.92% | T-Bills: 19.85% | Debenture: 2.05% | Bonds/NCD: 0.13% | Debt: 0.06% | SDL: 0.04% | Equity: 68.12% | CD: 4.05% | REITs: 3.85% | SDL: 3.68% | GOI Sec: 3.07% | Debenture: 2.37% | T-Bills: 2.0% | NCD: 1.59% | Sec. Debt: 0.91% | Debt: 0.49% | InvITs: 0.32% | CP: 0.28% | ZCB: 0.23% | GOI FRB: 0.1% | Pref. Shares: 0.1% | ID: -0.59% | Futures: -3.84% |
| Portfolio Turnover | 203% | 451% |
🤖 AI Verdict – Which is Better?
Haan, Fund B ICICI Prudential Balanced Advantage Fund aapke liye long-term wealth creation ke liye best option hai. Iska 3Y return 12.2% hai, jabki Fund A ka 3Y return 6.83% hai. Expense ratio bhi kam hai, 1% hi hai, lekin Fund A ka expense ratio 0.2% hai. Riskometer bhi ek important factor hai, Fund B ka riskometer Moderately High hai, lekin Fund A ka Low hai. To, Fund B aapke liye acha fund hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider ICICI Prudential Balanced Advantage Fund?
- Expense ratio: 1%
- 3Y return: 12.2%
- AUM: 7.06 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Chaliye, SIP suitabiilty ke liye Fund B aapke liye acha fund hai. Iska 3Y return 12.2% hai, jo Fund A ka 3Y return 6.83% se zyaada hai. Isse pata chalta hai ki Fund B ka consistency aur return stability bahut accha hai. Haan, Fund A ka sharpe ratio 3 hai, jo Fund B ka sharpe ratio 0.61 se zyaada hai. Lekin Fund B ka overall 3Y return fund A se zyaada hai, isliye Fund B aapke liye SIP ke liye acha fund hai.
⚠️ Risk & Cost Analysis
Leukin, riskometer aur volatility bhi ek important factor hai. Fund B ka riskometer Moderately High hai, jo Fund A ka Low riskometer se zyaada hai. Lekin Fund B ka volatility 9.34 hai, jo Fund A ka volatility 0.11 se zyaada hai. Sharpe ratio bhi ek important factor hai, Fund A ka sharpe ratio 3 hai, jo Fund B ka sharpe ratio 0.61 se zyaada hai. Isse pata chalta hai ki Fund A ka risk-adjusted return Fund B se zyaada hai. To, Fund A aapke liye risk-adjusted return mein better hai.
📊 Portfolio Diversification
Chaliye, portfolio diversification ke liye Fund B aapke liye acha fund hai. Iska asset allocation bahut accha hai, Equity 68.12% hai, CD 4.05% hai, aur REITs 3.85% hai. Fund A ka asset allocation bhi accha hai, CP 47.67% hai, CD 31.92% hai, aur T-Bills 19.85% hai. Lekin Fund B ka top holdings concentration TVS Motor Company Ltd. 5.25% hai, ICICI Bank Ltd. 3.97% hai, aur HDFC Bank Ltd. 3.65% hai. Isse pata chalta hai ki Fund B ka portfolio diversification Fund A se zyaada hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% 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, Fund B ICICI Prudential Balanced Advantage Fund long run mein aapko better returns deta hai. Iska 5Y return 11.25% hai, jabki Fund A ka 5Y return 6.01% hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund worth hai. Iska volatility 9.34 hai, lekin sharpe ratio bhi 0.61 hai. Isse pata chalta hai ki Fund B ka risk-adjusted return Fund A se zyaada hai, aur aapko long run mein better returns deta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A HDFC Liquid Fund aapke liye more cost-effective hai. Iska expense ratio 0.2% hai, jo Fund B ka expense ratio 1% se kam hai. Isse pata chalta hai ki Fund A aapko more cost-effective hai, aur aapko long run mein better returns deta 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