HDFC Liquid Fund vs ICICI Prudential Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
20.43%
Arre, dekho! Doston, aaj hum apne do fundon, HDFC Liquid Fund aur ICICI Prudential Multi Cap Fund ko compare karne ja rahe hain. Ye donon fund SEBI-registered hain aur investor ke liye bahut hi achhe hain. Chaliye, aaj hum fundon ki kya kya visheshtayein aur inki comparison karke dekhte hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BICICI Prudential Multi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 934.98 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.70 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.99% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.45 |
| Sharpe Ratio | 3 | 1.04 |
| 1 Year Return (%) | 6.08% | 6.9% |
| 3 Year Return (%) | 6.83% | 20.43% |
| 5 Year Return (%) | 6.01% | 17.37% |
| Since Launch (%) | 34.46% | 16.31% |
| 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) | Lalit Kumar; Sharmila D'Silva (3.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | BSE Ltd. (3.31%), Ultratech Cement Ltd. (2.85%), Jindal Steel Ltd. (2.73%) |
| 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: 97.97% |
| Portfolio Turnover | 203% | 45% |
🤖 AI Verdict – Which is Better?
Haan, sach ye hai, fundon ki comparison karne ke liye humein 3Y return, expense ratio aur risk ki madad leni hogi. Isliye, hamari verdict hai ki ICICI Prudential Multi Cap Fund long term mein aapke liye better fund hai. Yeh fund 3Y mein 20.43% ka return deta hai, jabki HDFC Liquid Fund 6.83% ki return deta hai. Lekin, yeh fund riskometer ke hisab se bhi very high hai. Haan, yeh fund aapke liye ek achha investment option hai, lekin aapko apne investment ki capacity aur risk ki understanding ke hisab se investment karna chahiye.
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 Multi Cap Fund?
- Expense ratio: 0.99%
- 3Y return: 20.43%
- AUM: 1.70 Lac Cr
- Sharpe Ratio: 1.04
📈 SIP Suitability
SIP karo, SIP karo, SIP karo! Dekho, SIP karna aapke liye kya achha hai, yeh to sab jaante hain. Lekin, yeh fund kisne karna chahiye, isliye humein donon fundon ki comparison karni hogi. Haan, ICICI Prudential Multi Cap Fund 10+ saal ke liye SIP ke liye better fund hai. Yeh fund 3Y mein 20.43% ka return deta hai, jabki HDFC Liquid Fund 6.83% ki return deta hai. Lekin, yeh fund riskometer ke hisab se bhi very high hai. Haan, yeh fund aapke liye ek achha investment option hai, lekin aapko apne investment ki capacity aur risk ki understanding ke hisab se investment karna chahiye.
⚠️ Risk & Cost Analysis
Risk ki baat karein, to humein fundon ki riskometer, volatility, Sharpe ratio aur expense ratio ki comparison karni hogi. Haan, ICICI Prudential Multi Cap Fund riskometer ke hisab se very high hai, jabki HDFC Liquid Fund low riskometer hai. Lekin, yeh fund volatility aur Sharpe ratio ke hisab se bhi better hai. Haan, yeh fund aapke liye ek achha investment option hai, lekin aapko apne investment ki capacity aur risk ki understanding ke hisab se investment karna chahiye. Expense ratio ke hisab se bhi ICICI Prudential Multi Cap Fund better hai.
📊 Portfolio Diversification
Portfolio diversification ki baat karein, to humein fundon ki asset allocation aur top holdings concentration ki comparison karni hogi. Haan, ICICI Prudential Multi Cap Fund asset allocation ke hisab se 97.97% equity ka return deta hai, jabki HDFC Liquid Fund 47.67% CP, 31.92% CD aur 19.85% T-Bills ka return deta hai. Lekin, yeh fund sector risk ke hisab se bhi more diversified hai. Haan, yeh fund aapke liye ek achha investment option hai, lekin aapko apne investment ki capacity aur risk ki understanding ke hisab se investment karna chahiye.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
ICICI Prudential Multi Cap Fund
₹1966010.45
@20.4% 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?
Haan, ICICI Prudential Multi Cap Fund 5Y mein 17.37% aur 3Y mein 20.43% ka return deta hai. Isliye, yeh fund better hai long term mein.
Q2: Is the higher risk fund worth it?
Haan, ICICI Prudential Multi Cap Fund riskometer ke hisab se very high hai, lekin volatility aur Sharpe ratio ke hisab se bhi better hai. Isliye, yeh fund worth hai, lekin aapko apne investment ki capacity aur risk ki understanding ke hisab se investment karna chahiye.
Q3: Which fund is more cost-effective?
Haan, ICICI Prudential Multi Cap Fund expense ratio ke hisab se 0.99% hai, jabki HDFC Liquid Fund 0.2% hai. Isliye, yeh 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