ICICI Prudential Balanced Advantage Fund vs Axis Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
6.98%
Yeh do funds ka compare karne waali article hai. Fund A ICICI Prudential Balanced Advantage Fund hai, jiska category Hybrid hai. Fund B Axis Liquid Fund hai, jiska category Liquid hai. Aaj hum aapko iske 3Y return, expense ratio, aur risk ke baare mein batayenge.
[VERDICT]| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BAxis Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Axis Mutual Fund |
| Category | Hybrid | Liquid |
| NAV (₹) | 84.60 | 3096.85 |
| AUM (₹ Cr) | 7.06 Lac Cr | 5.16 Lac Cr |
| Expense Ratio (%) | 1% | 0.11% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.11 |
| Sharpe Ratio | 0.61 | 4.36 |
| 1 Year Return (%) | 4.35% | 6.25% |
| 3 Year Return (%) | 12.2% | 6.98% |
| 5 Year Return (%) | 11.25% | 6.17% |
| Since Launch (%) | 12.54% | 6.86% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) |
| 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%) | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) |
| 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% | CP: 53.47% | CD: 31.44% | T-Bills: 11.86% | Debenture: 0.88% | Money Mkt: 0.39% | Bonds/NCD: 0.28% | NCD: 0.24% | Debt: 0.09% | IRS: 0.0% |
| Portfolio Turnover | 451% | 207% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ke liye invest karte hain, toh Fund A ICICI Prudential Balanced Advantage Fund aapke liye better option hai. Yeh Fund B Axis Liquid Fund ke 3Y return aur expense ratio se behtar hai. Lekin, riskometer aur volatility ke hisaab se bhi Fund A kam risk wala fund hai.
[SIP_SUITABILITY]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 Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
📈 SIP Suitability
Yadi aap 10+ saal ke liye ek monthan SIP lagate hain, toh Fund B Axis Liquid Fund aapke liye better option hai. Yeh fund consistent return deti hai aur kam volatility se sambhavit hai. Fund A ICICI Prudential Balanced Advantage Fund ke 3Y return aur expense ratio fund B se behtar hai, lekin fund B ki consistency aur stability Fund A se behtar hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Agar aap riskometer, volatility, sharpe ratio, aur expense ratio ke hisaab se fund ko compare karte hain, toh Fund A ICICI Prudential Balanced Advantage Fund Fund B Axis Liquid Fund se behtar hai. Fund A ka riskometer Moderately High hai, lekin fund B ka Riskometer Low hai. Fund A ka volatility 9.34 hai, jabki fund B ka volatility 0.11 hai. Sharpe ratio ke hisaab se bhi Fund A behtar hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Yadi aap asset allocation aur top holdings concentration ke hisaab se fund ko compare karte hain, toh Fund A ICICI Prudential Balanced Advantage Fund Fund B Axis Liquid Fund se behtar hai. Fund A ka asset allocation 68.12% equity, 31.88% debt hai, jabki fund B ka asset allocation 97.57% debt hai. Fund A ka top holdings concentration 3.65% HDFC Bank Ltd. hai, jabki fund B ka top holdings concentration 3.46% Reserve Bank of India hai.
[FAQ]SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Axis Liquid Fund
₹869500.53
@7.0% 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 A ICICI Prudential Balanced Advantage Fund Fund B Axis Liquid Fund se behtar 5Y return de raha hai. Fund A ka 5Y return 11.25% hai, jabki fund B ka 5Y return 6.17% hai.
Q2: Is the higher risk fund worth it?
Nahin, Fund A ICICI Prudential Balanced Advantage Fund Fund B Axis Liquid Fund se behtar volatility aur sharpe ratio se sambhavit hai. Fund A ka volatility 9.34 hai, jabki fund B ka volatility 0.11 hai. Sharpe ratio ke hisaab se bhi Fund A behtar hai.
Q3: Which fund is more cost-effective?
Fund B Axis Liquid Fund Fund A ICICI Prudential Balanced Advantage Fund se cost-effective hai. Fund B ka expense ratio 0.11% hai, jabki fund A ka expense ratio 1% 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