ICICI Prudential Balanced Advantage Fund vs HSBC 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
6.93%
Chaliye dekho, aaj hum do mutual funds ki pehchaan karenge - ICICI Prudential Balanced Advantage Fund aur HSBC Mutual Fund Liquid Fund. Fund A ek hybrid fund hai jiska lakshya 60% se 80% ke beech assets equity main rakhna hai, lekin Fund B ek liquid fund hai jiska kaam short-term investments ki pehchaan aur risk-free returns pradan karna hai. Aaj hum in dono funds ki tulna karenge taki aapko pata chale ki konsa fund aapke liye behtar hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HSBC Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 5622.79 |
| AUM (₹ Cr) | 7.06 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 1% | 0.13% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.11 |
| Sharpe Ratio | 0.61 | 3.91 |
| 1 Year Return (%) | 4.35% | 6.17% |
| 3 Year Return (%) | 12.2% | 6.93% |
| 5 Year Return (%) | 11.25% | 6.11% |
| Since Launch (%) | 12.54% | 50.63% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A, ICICI Prudential Balanced Advantage Fund, Fund B, HSBC Mutual Fund Liquid Fund se behtar hai long-term wealth creation ke liye. Iska reason hai ki Fund A ka 3Y return 12.2% hai, jo Fund B ki 3Y return 6.93% se zyada hai. Iske alawa, Fund A ka expense ratio 1% hai, jo Fund B ki expense ratio 0.13% se zyada hai. Lekin, Fund A ka riskometer Moderately High hai, jo Fund B ki riskometer Low 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye fund chuna karna bahut zaroori hai. Dekho, Fund A ka 5Y return 11.25% hai, lekin Fund B ka 5Y return 6.11% hai. Iske alawa, Fund A ka volatility 9.34 hai, jo Fund B ki volatility 0.11 se zyada hai. Haan, Fund A ka Sharpe ratio 0.61 hai, jo Fund B ki Sharpe ratio 3.91 se zyada hai. Isliye, Fund B aapke liye behtar SIP fund hai.
⚠️ Risk & Cost Analysis
Riskometer ka score dekhkar hum pata chal sakte hain ki konsa fund zyada risk lene ki taiyari hai. Fund A ka riskometer Moderately High hai, jo Fund B ki riskometer Low hai. Iske alawa, Fund A ka volatility 9.34 hai, jo Fund B ki volatility 0.11 se zyada hai. Lekin, Fund A ka Sharpe ratio 0.61 hai, jo Fund B ki Sharpe ratio 3.91 se zyada hai. Isliye, Fund A aapke liye behtar risk-adjusted return pradan karne wala fund hai.
📊 Portfolio Diversification
Portfolio diversification kaam karna bahut zaroori hai. Dekho, Fund A ka asset allocation equity main 68.12% hai, jo Fund B ki T-Bills main 65.00% hai. Iske alawa, Fund A ka top holdings concentration TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) hai, jo Fund B ka top holdings concentration State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) hai. Isliye, Fund A ka asset allocation zyada diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
HSBC Mutual Fund Liquid Fund
₹867076.87
@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?
Sach ye hai, Fund A, ICICI Prudential Balanced Advantage Fund, aapko long run main better returns pradan karne wala fund hai. Iska reason hai ki Fund A ka 5Y return 11.25% hai, jo Fund B ka 5Y return 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A, ICICI Prudential Balanced Advantage Fund, higher risk lene ki taiyari karke aapko better returns pradan kar sakta hai. Iska reason hai ki Fund A ka Sharpe ratio 0.61 hai, jo Fund B ki Sharpe ratio 3.91 se zyada hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B, HSBC Mutual Fund Liquid Fund, aapke liye more cost-effective fund hai. Iska reason hai ki Fund B ka expense ratio 0.13% hai, jo Fund A ka expense ratio 1% se zyada 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