ICICI Prudential Balanced Advantage Fund vs Canara Robeco Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
6.96%
Dekho, aapke paas do hybrid funds hain, Fund A aur Fund B. Fund A, ICICI Prudential Balanced Advantage Fund, ek moderately high jatilata wala fund hai, jabki Fund B, Canara Robeco Liquid Fund, ek low jatilata wala liquid fund hai. Aaj humein in do fundon ke beech ka comparison karna hai aur aapko batana hai ki kaise aap unke beech ka faisala kar sakte hain.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BCanara Robeco Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Canara Robeco |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 3337.33 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.95 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.11 |
| Sharpe Ratio | 0.61 | 4.18 |
| 1 Year Return (%) | 4.35% | 6.22% |
| 3 Year Return (%) | 12.2% | 6.96% |
| 5 Year Return (%) | 11.25% | 6.13% |
| Since Launch (%) | 12.54% | 6.72% |
| 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) | Shridatta Bhandwaldar (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% | 223% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B dono fund hain, lekin inka target aur rishtedaar alag-alag hai. Fund A ek long-term investment ke liye hai, jabki Fund B ek short-term investment ke liye hai. Dekho, Fund A ka 3Y return 12.2% hai, jo bahut accha hai. Iske alawa, expense ratio bhi bahut kam hai, 1%. Lekin Fund B ka riskometer low hai, jo bahut achha hai. Isliye, Fund A ek better fund hai long-term wealth creation ke liye.
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 Canara Robeco Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.96%
- AUM: 3.95 Lac Cr
- Sharpe Ratio: 4.18
📈 SIP Suitability
SIP suitability ke liye, humein consistency aur return stability ka dhyaan dena hoga. Fund A ka SIP return 5Y mein 11.25% hai, jo bahut achha hai. Iske alawa, riskometer bhi moderately high hai, jo aapke risk-taking capacity ke liye achha hai. Fund B ka SIP return 5Y mein 6.13% hai, jo thoda kam hai. Isliye, Fund A ek better fund hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karna hoga. Fund A ka riskometer moderately high hai, jo risk-taking capacity ke liye achha hai. Iske alawa, volatility bhi 9.34 hai, jo aapke risk-taking capacity ke liye achha hai. Sharpe ratio bhi 0.61 hai, jo aapke return aur risk ke beech ka balance hai. Fund B ka riskometer low hai, jo bahut achha hai. Isliye, Fund B ek better fund hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karna hoga. Fund A ka asset allocation equity, CD, REITs, SDL, GOI Sec, Debenture, T-Bills, NCD, Sec. Debt, Debt, InvITs, CP, ZCB, GOI FRB, Pref. Shares, aur ID mein 100% hai. Ismein TVS Motor Company Ltd., ICICI Bank Ltd., aur HDFC Bank Ltd. ka concentration bhi hai. Fund B ka asset allocation T-Bills, CD, CP, aur Cash mein 100% hai. Ismein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills ka concentration bhi hai. Isliye, Fund B ek more diversified fund hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Canara Robeco Liquid Fund
₹868530.05
@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 5Y return 11.25% hai, jo Fund B ka 5Y return 6.13% se bahut accha hai. Isliye, Fund A ek better fund hai long-term wealth creation ke liye.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer moderately high hai, jo risk-taking capacity ke liye achha hai. Iske alawa, Sharpe ratio bhi 0.61 hai, jo aapke return aur risk ke beech ka balance hai. Isliye, Fund A ek better fund hai risk-adjusted returns ke liye.
Q3: Which fund is more cost-effective?
Iske liye, expense ratio ka comparison karna hoga. Fund A ka expense ratio 1% hai, jo Fund B ka expense ratio 0.12% se bahut accha hai. Isliye, Fund B ek more cost-effective fund 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