ICICI Prudential Balanced Advantage Fund vs Bandhan 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
6.98%
Ab hum kuchh hybrid aur liquid funds ke bare mein bolne wale hain. Ye do funds ICICI Prudential Balanced Advantage Fund aur Bandhan Mutual Fund Liquid Fund hain. Ye fund dono alag-alag categories mein aate hain. Aaj hum in dono fund ke beech mein kuchh comparison karenge aur dekhein ki kis fund mein invest karna achha hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Bandhan Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 39.33 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.12 |
| Sharpe Ratio | 0.61 | 4 |
| 1 Year Return (%) | 4.35% | 1.41% |
| 3 Year Return (%) | 12.2% | 6.98% |
| 5 Year Return (%) | 11.25% | 5.96% |
| Since Launch (%) | 12.54% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 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) | Manish Gunwani (3.5 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%) | 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% | 251% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ke liye fund chun rahe hain, to Bandhan Mutual Fund Liquid Fund aisi situation mein aapko nahi chahiye. Iska reason hai ki iska 3-year return 6.98% hai, jisse Fund A ki 3-year return 12.2% se kam hai. Lekin, Bandhan Mutual Fund Liquid Fund ka expense ratio 0.12% hi hai, jo Fund A ki expense ratio 1% se kam hai. Isliye, hum kahainge ki Fund A aapke liye better option hai.
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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Ab hum dekhte hain ki dono fund mein SIP karna kaisa hoga. Ye dono fund stable returns dete hain lekin Fund A ka 1-year return 4.35% hai, jo Bandhan Mutual Fund Liquid Fund ka 1-year return 1.41% se zyada hai. Isliye, hum kahainge ki Fund A aapke liye better option hai SIP ke liye.
⚠️ Risk & Cost Analysis
Ab hum dekhte hain ki dono fund mein riskometer, volatility, Sharpe ratio aur expense ratio ke bare mein kya hai. Fund A ka riskometer Moderately High hai aur volatility 9.34 hai, jabki Bandhan Mutual Fund Liquid Fund ka riskometer Low hai aur volatility 0.12 hai. Isliye, hum kahainge ki Fund B aapke liye better option hai risk ke liye.
📊 Portfolio Diversification
Ab hum dekhte hain ki dono fund mein asset allocation aur top holdings concentration ke bare mein kya hai. Fund A ka asset allocation Equity 68.12%, CD 4.05% aur REITs 3.85% mein hai, jabki Bandhan Mutual Fund Liquid Fund ka asset allocation T-Bills 65.00%, CD 20.00% aur CP 10.00% mein hai. Isliye, Fund A ka asset allocation Fund B ke asset allocation se zyada diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Bandhan Mutual Fund 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?
Sach ye hai ki Fund A ka 5-year return 11.25% hai, jo Bandhan Mutual Fund Liquid Fund ka 5-year return 5.96% se zyada hai. Isliye, Fund A aapke liye better option hai long-term returns ke liye.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk fund zyada reward dete hain. Iska Sharpe ratio 0.61 hai, jo Bandhan Mutual Fund Liquid Fund ka Sharpe ratio 4 se kam hai. Lekin, aapko yeh bhi yaad rakhna hoga ki Fund A ka volatility 9.34 hai, jo Bandhan Mutual Fund Liquid Fund ka volatility 0.12 se zyada hai. Isliye, aapko apne risk appetite ke anusaar fund chunna hoga.
Q3: Which fund is more cost-effective?
Sach ye hai ki Bandhan Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo Fund A ki expense ratio 1% se kam hai. Isliye, Bandhan Mutual Fund Liquid Fund aapke liye better option hai cost-effectiveness ke liye.
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