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%
dekho, aaj hum do alag-alag funds ke beech comparison karenge. Fund A HDFC Liquid Fund hai jo liquid category mein aata hai, jabki Fund B ICICI Prudential Bluechip Fund hai jo large cap category mein aata hai. yeh post aapko fund ke beech mein kya farq hai aur kis fund mein investment karna chahiye, ye sikhana hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BICICI Prudential Bluechip Fund - Regular 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% | 1.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.54 |
| 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, ab hum aapko batate hain ki Fund A ya Fund B mein investment karna chahiye. Fund B ke 3Y return 15.44% hai jiski comparison Fund A ke 3Y return 6.83% se ki jati hai. lekin expense ratio ke mukabla Fund A bahut kam expense ratio 0.2% ke saath aata hai. iske alawa, Fund A ka riskometer low hai, jabki Fund B ka riskometer very high hai. dekho, Fund A ke liye investment karna shuru karein lekin long-term mein Fund B ki expected returns aapko aur bhi acchi hogi.
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: 1.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
📈 SIP Suitability
SIP Suitability kis fund mein karna chahiye, woh ye baat hai. Fund A ka 1Y return 6.08% hai, jabki Fund B ka 1Y return 24.48% hai. lekin Fund A ka SIP consistency aur return stability ke liye bhi accha hai. isliye, yadi aap SIP karna chahiye, to Fund A ka SIP karein.
⚠️ Risk & Cost Analysis
ab hum aapko batate hain ki dono fund ke beech mein riskometer, volatility, Sharpe ratio, aur expense ratio ke mukabla kya hai. Fund A ka riskometer low hai, jabki Fund B ka riskometer very high hai. volatility ke mukabala Fund A ka volatility 0.11 hai, jabki Fund B ka volatility 12.54 hai. iske alawa, Fund A ka Sharpe ratio 3 hai, jabki Fund B ka Sharpe ratio 0.71 hai. expense ratio ke liye bhi Fund A bahut kam expense ratio 0.2% ke saath aata hai. isse pata chalta hai ki Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
ab hum aapko batate hain ki dono fund ke beech mein asset allocation aur top holdings concentration kya hai. Fund A ka asset allocation CP mein 47.67%, CD mein 31.92%, aur T-Bills mein 19.85% hai. iske alawa, Fund A ka top holdings concentration Reserve Bank of India mein 13.46% hai. lekin Fund B ka asset allocation equity mein 96.00% hai, aur T-Bills mein 4.00% hai. isliye, Fund B ka portfolio diversified nahin hai. iske alawa, Fund B ka top holdings concentration HDFC Bank Ltd, ICICI Bank Ltd, aur Reliance Industries Ltd mein 22.97% hai. isse pata chalta hai ki Fund A ka portfolio 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?
Fund B ka 5Y return 12.65% hai, jiski comparison Fund A ke 5Y return 6.01% se ki jati hai. isse pata chalta hai ki Fund B long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 12.54 hai, jabki Fund A ka volatility 0.11 hai. iske alawa, Fund B ka Sharpe ratio 0.71 hai, jabki Fund A ka Sharpe ratio 3 hai. isse pata chalta hai ki Fund B risk-adjusted returns mein better nahin hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.2% hai, jabki Fund B ka expense ratio 1.52% hai. isse pata chalta hai ki Fund A 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