HDFC Liquid Fund vs ICICI Prudential Bluechip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
15.44%
Aapko yahaan Fund A (HDFC Liquid Fund) aur Fund B (ICICI Prudential Bluechip Fund) ke beech ka comparison dekha jayega. Chaliye, Fund A ek Liquid fund hai, jabki Fund B Large Cap fund hai. Ye saari jaankaari kaafi hai aapko yahaan fund dono ke 3Y return, expense ratio aur risk ke baare mein pata karna.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BICICI Prudential Bluechip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 83.91 |
| AUM (₹ Cr) | 7.29 Lac Cr | 5.81 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.52 |
| Sharpe Ratio | 3 | 0.71 |
| 1 Year Return (%) | 6.08% | 24.48% |
| 3 Year Return (%) | 6.83% | 15.44% |
| 5 Year Return (%) | 6.01% | 12.65% |
| Since Launch (%) | 34.46% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 203% | 28% |
🤖 AI Verdict – Which is Better?
Haan, Fund B (ICICI Prudential Bluechip Fund) Fund A (HDFC Liquid Fund) ke liye bahut zyada risk wala hai. Lekin, yeh Fund B kai saalo ke liye aapko lagbhag 15.44% ki annual return de sakta hai. Fund A 6.83% return de raha hai. Dekho, Fund A ki expense ratio 0.2% hai, jiska matalab hai ki aapko iske liye 0.2% aur bhi jama karna hoga. Fund B ki expense ratio 0.52% hai, lekin iski riskometer Very High hai. Sach ye hai, Fund B aapke long-term wealth ka vikas kar sakta hai, lekin aapko iske liye bahut saari jarurat aur risk leni padegi.
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 Bluechip Fund?
- Expense ratio: 0.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
📈 SIP Suitability
Haan, SIP (Systematic Investment Plan) ke liye Fund A aapke liye behtar hai. Iska reason yeh hai ki Fund A ki 3Y return lagbhag stable hai, aur iski volatility bhi kam hai. Fund B ki 3Y return lagbhag stable nahi hai, aur iski volatility bahut jyada hai. Dekho, yeh dono fund SIP ke liye sahi hai, lekin aapko Fund A ki consistency aur return stability ka fayda uthane ke liye chunna hai.
⚠️ Risk & Cost Analysis
Haan, yeh dono fund kai jaankari ke liye jancha kiye ja sakte hain. Fund A ki riskometer Low hai, jabki Fund B ki riskometer Very High hai. Dekho, Fund A ki volatility 0.11 hai, jiska matalab hai ki iski return bahut stable hai. Fund B ki volatility 12.52 hai, jiska matalab hai ki iski return bahut unstable hai. Fund A ki expense ratio 0.2% hai, jabki Fund B ki expense ratio 0.52% hai. Sach ye hai, Fund A aapke liye better risk-adjusted returns de raha hai.
📊 Portfolio Diversification
Haan, yeh dono fund aapke portfolio ka vikas kar sakte hain, lekin Fund B ki asset allocation bahut jyada concentrated hai. Dekho, Fund B ki 96% asset equity mein hai, jabki Fund A ki 47.67% asset CP mein hai. Fund B ki top holdings mein HDFC Bank, ICICI Bank aur Reliance Industries hai, jo ki bahut jyada sector risk hai. Fund A ki top holdings mein RBI hai, jo ki bahut jyada stable hai. Sach ye hai, Fund A aapke portfolio ka vikas karne ke liye better diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
ICICI Prudential Bluechip Fund
₹1431679.77
@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, Fund B (ICICI Prudential Bluechip Fund) Fund A (HDFC Liquid Fund) se aapke long run wealth ka vikas kar sakta hai, lekin Fund A ki stability aur return stability ka fayda uthne ke liye aapko chunna hai. Fund B ki 5Y return 12.65% hai, jabki Fund A ki 5Y return 6.01% hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund B (ICICI Prudential Bluechip Fund) ki volatility bahut jyada hai, jiska matalab hai ki iski return bahut unstable hai. Fund A ki volatility kam hai, jiska matalab hai ki iski return bahut stable hai. Fund B ki Sharpe ratio 0.71 hai, jabki Fund A ki Sharpe ratio 3 hai. Sach ye hai, Fund A aapke liye better risk-adjusted returns de raha hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A (HDFC Liquid Fund) ki expense ratio 0.2% hai, jabki Fund B (ICICI Prudential Bluechip Fund) ki expense ratio 0.52% hai. Sach ye hai, Fund A aapke liye 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