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%
Chaliye, dekho, hum aaj do funds ke beech alag karne ja rahe hain. Fund A HDFC Liquid Fund Direct Plan Growth hai, jo Liquid category me aata hai. Fund B to ICICI Prudential Multi Cap Fund Regular Plan Growth hai, jo Multi Cap category me aata hai. Aaj hum yeh jaanege ki konsa fund long term wealth creation ke liye better hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BICICI Prudential Multi Cap Fund - Regular 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% | 1.74% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.2 |
| Sharpe Ratio | 3 | 1.06 |
| 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?
Sach ye hai, long term wealth creation ke like 3Y return, expense ratio, aur risk ke baare me hum dekhege. Fund B ki 3Y return 20.43% hai, jo Fund A ki 6.83% se badi hai. Lekin expense ratio ke baare me, Fund A ki 0.2% expense ratio Fund B ki 1.74% se kam hai. Aur riskometer ke baare me, Fund A Low riskometer rakhta hai, jabki Fund B Very High hai. Haan, Fund B ki 3Y return bahut acchi hai, lekin risk bhi bahut jyada hai. Isliye, hum Fund A ko better fund ke roop me dekhege.
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: 1.74%
- 3Y return: 20.43%
- AUM: 1.70 Lac Cr
- Sharpe Ratio: 1.06
📈 SIP Suitability
SIP ke liye, hum yeh jaanege ki konsa fund consistent returns detaa hai. Fund A ki 1Y return 6.08% hai, jo Fund B ki 6.9% se kam hai. Lekin 5Y return ke baare me, Fund B ki 17.37% return Fund A ki 6.01% se bahut badi hai. Haan, Fund A ki return stable hai, lekin Fund B ki return bhi bahut acchi hai. Isliye, hum Fund A ko SIP ke liye better fund ke roop me dekhege.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke baare me hum dekhege. Fund A ki Riskometer Low hai, jo Fund B ki Very High riskometer se kam hai. Volatility ke baare me, Fund A ki 0.11 volatility Fund B ki 13.2 volatility se kam hai. Sharpe ratio ke baare me, Fund A ki 3 Sharpe ratio Fund B ki 1.06 Sharpe ratio se badi hai. Haan, expense ratio ke baare me, Fund A ki 0.2% expense ratio Fund B ki 1.74% se kam hai. Isliye, Fund A better risk-adjusted returns detaa hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke baare me hum dekhege. Fund A ki asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, aur SDL me hai. Top 3 holdings Reserve Bank of India, Reserve Bank of India, aur Reserve Bank of India me hai. Fund B ki asset allocation Equity me hai. Top 3 holdings BSE Ltd., Ultratech Cement Ltd., aur Jindal Steel Ltd. me hai. Haan, Fund A ki asset allocation bahut diversified hai, lekin Fund B ki asset allocation sector risk rakhti hai. Isliye, Fund A better portfolio diversification ke roop me dekha jata hai.
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?
Fund B ki 5Y return 17.37% hai, jo Fund A ki 6.01% se bahut badi hai. Isliye, Fund B better long run returns detaa hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki returns bahut acchi hai, lekin risk bhi bahut jyada hai. Sharpe ratio ke baare me dekhege, to Fund A ki 3 Sharpe ratio Fund B ki 1.06 Sharpe ratio se badi hai. Isliye, Fund A better risk-adjusted returns detaa hai.
Q3: Which fund is more cost-effective?
Haan, Fund A ki expense ratio 0.2% hai, jo Fund B ki 1.74% se kam hai. Isliye, Fund A better cost-effective fund ke roop me dekha jata 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