ICICI Prudential Balanced Advantage Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
6.92%
dekho, aaj hum do funds ke beech mein comparison karne ja rahe hain - Fund A, ICICI Prudential Balanced Advantage Fund, aur Fund B, Baroda BNP Paribas Liquid Fund. Fund A ek hybrid fund hai, jabki Fund B ek liquid fund hai. aapki zaroorat ke liye aaj hum in dono funds ke beech mein comparison karenge.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Baroda BNP Paribas |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 3208.35 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.11 |
| Sharpe Ratio | 0.61 | 3.82 |
| 1 Year Return (%) | 4.35% | 6.16% |
| 3 Year Return (%) | 12.2% | 6.92% |
| 5 Year Return (%) | 11.25% | 6.14% |
| Since Launch (%) | 12.54% | 6.88% |
| 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) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
sach ye hai, Fund A ek hybrid fund hai, jiska 3Y return 12.2% hai, lekin expense ratio 1% hai. Fund B ek liquid fund hai, jiska 3Y return 6.92% hai, lekin expense ratio 0.12% hai. isliye, Fund A long-term wealth creation ke liye better 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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
dekho, SIP Suitability ke liye, hum in dono funds ke 10+ years ke SIP ke liye suitability dekhte hain. Fund A ka 3Y return 12.2% hai, lekin Fund B ka 3Y return 6.92% hai. isliye, Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
lekin, Fund A ka riskometer Moderately High hai, lekin Fund B ka riskometer Low hai. isliye, Fund B ki risk-adjusted returns better hai. Sharpe ratio ke liye, Fund B ka Sharpe ratio 3.82 hai, jiska Fund A ka Sharpe ratio 0.61 hai. isliye, Fund B ki Sharpe ratio better hai.
📊 Portfolio Diversification
dekho, Fund A ka asset allocation bahut vishal hai, jismein Equity 68.12%, CD 4.05%, REITs 3.85% shaamil hai. Fund B ka asset allocation kathin hai, jismein T-Bills 65.00%, CD 20.00%, CP 10.00% shaamil hai. isliye, Fund B ka asset allocation better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@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?
Fund A ka 5Y return 11.25% hai, jiska Fund B ka 5Y return 6.14% hai. isliye, Fund A long run mein better returns deti hai.
Q2: Is the higher risk fund worth it?
Fund A ka riskometer Moderately High hai, lekin Fund B ka riskometer Low hai. isliye, Fund B ki risk-adjusted returns better hai. Sharpe ratio ke liye, Fund B ka Sharpe ratio 3.82 hai, jiska Fund A ka Sharpe ratio 0.61 hai. isliye, Fund B ki Sharpe ratio better hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jiska Fund A ka expense ratio 1% hai. isliye, Fund B 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