ICICI Prudential Balanced Advantage Fund vs DSP 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
6.77%
Dekho, today humein do mutual funds ke beech mein aaj hum jaanenge. Fund A, ICICI Prudential Balanced Advantage Fund Direct Plan Growth, ek hybrid fund hai, jabki Fund B, DSP Mutual Fund Liquid Fund Direct Plan Growth, ek liquid fund hai. Is article mein, humein yeh jaanney ka mauka milega ki kis fund mein invest karne ka mudda hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | DSP Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 89.77 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.12 |
| Sharpe Ratio | 0.61 | 2.25 |
| 1 Year Return (%) | 4.35% | 2.95% |
| 3 Year Return (%) | 12.2% | 6.77% |
| 5 Year Return (%) | 11.25% | 5.92% |
| Since Launch (%) | 12.54% | 6.91% |
| 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) | Atul Bhole (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% | 243% |
🤖 AI Verdict – Which is Better?
Haan, Fund A ek hybrid fund hai, jo long-term wealth creation ke liye better hai. Isme 5-year return 11.25% hai, jiska 3Y return 12.2% hai. Expense ratio bhi kam hai, 1%. Fund B mein, expense ratio 0.12% hai, lekin yeh ek liquid fund hai, jisse long-term wealth creation nahi ho sakta. To, Fund A 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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
Chaliye, hum SIP suitabiliti mein dekhte hain. Fund A ek hybrid fund hai, jo SIP ke liye better hai. Isme consistency aur return stability ki kami hai. Fund B mein, yeh kami nahi hai, lekin yeh ek liquid fund hai, jisse long-term wealth creation nahi ho sakta.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund A ke riskometer moderately high hai, volatility 9.34 hai, lekin Sharpe ratio 0.61 hai. Fund B mein, riskometer low hai, volatility 0.12 hai, lekin Sharpe ratio 2.25 hai. Expense ratio bhi Fund B mein kam hai, 0.12% hai. To, Fund B offer better risk-adjusted returns. Lekin, Fund A mein long-term wealth creation ki sambhavna hai.
📊 Portfolio Diversification
Portfolio diversification mein dekhte hain. Fund A mein asset allocation 68.12% equity hai, 4.05% CD, aur 3.85% REITs. Fund B mein, asset allocation 65% T-Bills hai. Top holdings concentration bhi Fund A mein kam hai, jisse sector risk kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@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?
Fund A ke 5Y return 11.25% hai, jo Fund B se zyada hai. Isliye, Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ke higher risk se zyada returns milti hai. Lekin, volatility bhi 9.34 hai, jisse risk bhi kam nahi hai. Sharpe ratio bhi 0.61 hai, jo Fund B se kam hai. To, Fund A ke liye risk-adjusted returns better nahi hai.
Q3: Which fund is more cost-effective?
Fund B ke expense ratio 0.12% hai, jo Fund A se kam 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