HDFC Mid Cap Fund vs ICICI Prudential Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
22.29%
3Y Return
6.93%
Aaj hum do aise funds ke beech ka comparison karenge jo Indian investors ke liye bahut hi mahatvapurn hain. Fund A, HDFC Mid Cap Fund, ek mid cap fund hai aur Fund B, ICICI Prudential Liquid Fund, ek liquid fund hai. Hum aapko pata chalayenge ki konsa fund long term mein aapke paiso ko adhik vikasit karega.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Mid Cap | Liquid |
| NAV (₹) | 220.36 | 411.88 |
| AUM (₹ Cr) | 9.47 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 17.17 | 0.12 |
| Sharpe Ratio | 0.92 | 3.58 |
| 1 Year Return (%) | 5.95% | 6.15% |
| 3 Year Return (%) | 22.29% | 6.93% |
| 5 Year Return (%) | 20.24% | 6.11% |
| Since Launch (%) | 17.1% | 6.84% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) |
| Benchmark | Nifty Midcap 150 TRI | NIFTY Liquid Index |
| Top 3 Holdings | Max Financial Services Ltd. (4.37%), AU Small Finance Bank Ltd. (4.24%), The Federal Bank Ltd. (3.87%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 93.46% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 13% | 241% |
🤖 AI Verdict – Which is Better?
Long term mein, Fund A, HDFC Mid Cap Fund, aapke paiso ko adhik vikasit karega. Iska 3Y return 22.29% hai, jo Fund B se adhik hai. Lekin, yeh fund adhik jukamdar bhi hai. Expense ratio bhi ek factor hai, jisme Fund B kam kharcha karta hai. Haan, Fund A ka riskometer very high hai, lekin yeh fund long term mein aapke paiso ko adhik vikasit kar sakta hai. Sach ye hai, Fund A aapke paiso ko adhik vikasit kar sakta hai, lekin yeh fund adhik jukamdar hai.
Why consider HDFC Mid Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 22.29%
- AUM: 9.47 Lac Cr
- Sharpe Ratio: 0.92
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
Monthly SIP ke liye, Hum Fund A, HDFC Mid Cap Fund, ko aapke liye behtar fund samjhate hain. Iska 3Y return adhik hai aur expense ratio kam hai. Fund B ka return thoda kam hai, lekin yeh fund adhik jukamdar hai. Dekho, hum aapko SIP ke liye Fund A hi recommend karenge.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karne ke baad, hum pata chalate hain ki Fund A aapke paiso ko adhik vikasit kar sakta hai, lekin yeh fund adhik jukamdar hai. Fund B ka expense ratio kam hai, lekin yeh fund adhik jukamdar hai. Sharpe ratio bhi ek factor hai, jisme Fund B kam hai. Haan, Fund A ka riskometer very high hai, lekin yeh fund long term mein aapke paiso ko adhik vikasit kar sakta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karne ke baad, hum pata chalate hain ki Fund A aapke paiso ko adhik vikasit kar sakta hai. Fund A ka asset allocation equity mein 93.46% hai, jisse yeh fund adhik jukamdar ho sakta hai. Fund B ka asset allocation T-Bills mein 65.00% hai, jisse yeh fund kam jukamdar ho sakta hai. Haan, Fund A ka top holdings concentration thoda adhik hai, lekin Fund B ka asset allocation kam jukamdar hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% 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?
Answer: Fund A, HDFC Mid Cap Fund, ka 3Y return 22.29% hai, jo Fund B se adhik hai. Lekin, yeh fund adhik jukamdar bhi hai. Haan, Fund A ka riskometer very high hai, lekin yeh fund long term mein aapke paiso ko adhik vikasit kar sakta hai.
Q2: Is the higher risk fund worth it?
Answer: Fund A, HDFC Mid Cap Fund, ka riskometer very high hai, lekin yeh fund long term mein aapke paiso ko adhik vikasit kar sakta hai. Sharpe ratio bhi ek factor hai, jisme Fund B kam hai. Haan, Fund A ka riskometer very high hai, lekin yeh fund long term mein aapke paiso ko adhik vikasit kar sakta hai.
Q3: Which fund is more cost-effective?
Answer: Fund B, ICICI Prudential Liquid Fund, ka expense ratio 0.12% hai, jo Fund A se kam hai. Haan, Fund A ka expense ratio 0.73% hai, lekin yeh fund long term mein aapke paiso ko adhik vikasit kar sakta 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