HDFC Liquid Fund vs ICICI Prudential Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.93%
Aapke paas do Liquid Funds hain, jinke category mein kai chunautiyan hain. Dekho, hum aaj HDFC Liquid Fund aur ICICI Prudential Liquid Fund ka comparison karenge. Isme aapko pata lagne wala hai ki kaun sa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Liquid | Liquid |
| NAV (₹) | 5466.12 | 411.88 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3 | 3.58 |
| 1 Year Return (%) | 6.08% | 6.15% |
| 3 Year Return (%) | 6.83% | 6.93% |
| 5 Year Return (%) | 6.01% | 6.11% |
| Since Launch (%) | 34.46% | 6.84% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| 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% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 203% | 241% |
🤖 AI Verdict – Which is Better?
Chaliye, aapke long-term wealth creation ke liye kaun sa fund behtar hai? Haan, hum dekhenge ki 3Y return, expense ratio, aur risk ke mukable kaun sa fund aapke liye behtar hai. HDFC Liquid Fund ka 3Y return 6.83% hai, jo ICICI Prudential Liquid Fund ka 6.93% se kam hai. Lekin expense ratio mein ICICI Prudential Liquid Fund 0.12% kaam hai. Riskometer mein dono fund Low hain, lekin Sharpe ratio mein ICICI Prudential Liquid Fund 3.58 hai, jo HDFC Liquid Fund ka 3 se jyada hai. Isliye, hum dekh rahe hain ki ICICI Prudential Liquid Fund aapke liye behtar 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP karenay ke liye kaun sa fund behtar hai? Dekho, hum dekhenge ki consistency aur return stability mein kaun sa fund aapke liye behtar hai. HDFC Liquid Fund ka 1Y return 6.08% hai, jo ICICI Prudential Liquid Fund ka 6.15% se kam hai. Lekin HDFC Liquid Fund ka 5Y return 6.01% hai, jo ICICI Prudential Liquid Fund ka 6.11% se kam hai. Isliye, hum dekh rahe hain ki HDFC Liquid Fund aapke liye SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Chaliye, hum dekhenge ki riskometer, volatility, Sharpe ratio, aur expense ratio mein kaun sa fund aapke liye behtar hai. HDFC Liquid Fund ka riskometer Low hai, jo ICICI Prudential Liquid Fund ka bhi hai. Lekin HDFC Liquid Fund ka volatility 0.11 hai, jo ICICI Prudential Liquid Fund ka 0.12 se kam hai. Sharpe ratio mein ICICI Prudential Liquid Fund 3.58 hai, jo HDFC Liquid Fund ka 3 se jyada hai. Expense ratio mein ICICI Prudential Liquid Fund 0.12% kaam hai. Isliye, hum dekh rahe hain ki ICICI Prudential Liquid Fund aapke liye risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
Chaliye, hum dekhenge ki asset allocation aur top holdings concentration mein kaun sa fund aapke liye behtar hai. HDFC Liquid Fund ka asset allocation mein CP 47.67% hai, jo CD 31.92% hai. ICICI Prudential Liquid Fund ka asset allocation mein T-Bills 65.00% hai, jo CD 20.00% hai. HDFC Liquid Fund ka top 3 holdings Reserve Bank of India mein hain, jo ICICI Prudential Liquid Fund ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hain. Isliye, hum dekh rahe hain ki ICICI Prudential Liquid Fund aapke liye asset allocation ke liye behtar hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% 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?
HDFC Liquid Fund ka 5Y return 6.01% hai, jo ICICI Prudential Liquid Fund ka 6.11% se kam hai. Lekin ICICI Prudential Liquid Fund ka 3Y return 6.93% hai, jo HDFC Liquid Fund ka 6.83% se jyada hai. Isliye, ICICI Prudential Liquid Fund aapke long-term returns ke liye behtar hai.
Q2: Is the higher risk fund worth it?
ICICI Prudential Liquid Fund ka Sharpe ratio 3.58 hai, jo HDFC Liquid Fund ka 3 se jyada hai. Isliye, ICICI Prudential Liquid Fund aapke liye risk-adjusted returns ke liye behtar hai.
Q3: Which fund is more cost-effective?
ICICI Prudential Liquid Fund ka expense ratio 0.12% hai, jo HDFC Liquid Fund ka 0.2% se kam hai. Isliye, ICICI Prudential Liquid Fund 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