ICICI Prudential Balanced Advantage Fund vs Angel One Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
6.76%
Chaliye dekho, aaj hum do mutual funds ka comparison karne wale hain - ICICI Prudential Balanced Advantage Fund aur Angel One Mutual Fund Liquid Fund. Ye do funds alag-alag categories mein aate hain - Hybrid aur Liquid Fund. Aaj hum jante hain ki is comparison se humein kya seekhne ko milega.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BAngel One Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Angel One Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 2132.04 |
| AUM (₹ Cr) | 7.06 Lac Cr | 4.67 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.11 |
| Sharpe Ratio | 0.61 | 2.36 |
| 1 Year Return (%) | 4.35% | 6.03% |
| 3 Year Return (%) | 12.2% | 6.76% |
| 5 Year Return (%) | 11.25% | 5.95% |
| Since Launch (%) | 12.54% | 6.23% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 13 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | N/A |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | NIFTY Liquid Index |
| Top 3 Holdings | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 68.12% | CD: 4.05% | REITs: 3.85% | SDL: 3.68% | GOI Sec: 3.07% | Debenture: 2.37% | T-Bills: 2.0% | NCD: 1.59% | Sec. Debt: 0.91% | Debt: 0.49% | InvITs: 0.32% | CP: 0.28% | ZCB: 0.23% | GOI FRB: 0.1% | Pref. Shares: 0.1% | ID: -0.59% | Futures: -3.84% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 451% | 221% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye humein 3Y return, expense ratio, and risk ka dhyan dena hoga. Dekho, Fund A ka 3Y return 12.2% hai, jabki Fund B ka 6.76% hai. Lekin expense ratio mein Fund B kam hai, 0.12% kiya hai. Haan, riskometer mein bhi Fund B kam hai, Low. Isliye, humein Fund B jaisa fund chahiye. Lekin, yeh sirf ek baat hai, aapko apni investment strategy ko dhyan mein rakhna hoga.
Why consider ICICI Prudential Balanced Advantage Fund?
- Expense ratio: 1%
- 3Y return: 12.2%
- AUM: 7.06 Lac Cr
- Sharpe Ratio: 0.61
Why consider Angel One Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
📈 SIP Suitability
SIP suitability ke liye humein consistency aur return stability ka dhyan dena hoga. Dekho, Fund A ka 1Y return 4.35% hai, jabki 3Y return 12.2% hai. Iske liye, Fund A consistent return de raha hai. Lekin, Fund B ka 1Y return 6.03% hai, jabki 3Y return 6.76% hai. Isliye, Fund B bhi consistent return de raha hai. Lekin, Fund A ka 3Y return Fund B se jyada hai. Isliye, Fund A jaisa fund SIP ke liye accha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio ka dhyan dena hoga. Dekho, Fund A ka riskometer Moderately High hai, jabki Fund B ka Low hai. Fund A ka volatility 9.34 hai, jabki Fund B ka 0.11 hai. Lekin, Fund A ka Sharpe ratio 0.61 hai, jabki Fund B ka 2.36 hai. Iske liye, Fund B jaisa fund risk-adjusted returns offer karta hai. Lekin, expense ratio mein Fund B kam hai, 0.12% kiya hai. Isliye, Fund B jaisa fund accha hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka dhyan dena hoga. Dekho, Fund A ka asset allocation mein Equity 68.12% hai, jabki Debt 31.88% hai. Iske liye, Fund A ka asset allocation jyada diversified hai. Lekin, Fund B ka asset allocation mein T-Bills 65.00% hai, jabki CD 20.00% hai. Iske liye, Fund B ka asset allocation kam diversified hai. Lekin, top holdings concentration mein Fund B kam hai. Isliye, Fund B jaisa fund portfolio diversification ke liye accha hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% 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?
Sach ye hai, Fund A ka 5Y return 11.25% hai, jabki Fund B ka 5.95% hai. Iske liye, Fund A jaisa fund long run mein better returns de raha hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka volatility 9.34 hai, jabki Fund B ka 0.11 hai. Lekin, Fund A ka Sharpe ratio 0.61 hai, jabki Fund B ka 2.36 hai. Iske liye, Fund A jaisa fund risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jabki Fund A ka 1% hai. Iske liye, Fund B jaisa fund 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