ICICI Prudential Balanced Advantage Fund vs ICICI Prudential 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%
Dekho, aapke paas do hybrid funds hain jinka comparison karna hai. Fund A, ICICI Prudential Balanced Advantage Fund, ek moderately high risk fund hai aur Fund B, ICICI Prudential Liquid Fund, ek low risk fund hai. Chaliye, humein pata chalne ki kabhi kabhi kya fund aapke liye achha hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | ICICI Prudential |
| Category | Hybrid | Liquid |
| NAV (₹) | 84.60 | 411.88 |
| AUM (₹ Cr) | 7.06 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.12 |
| Sharpe Ratio | 0.61 | 3.58 |
| 1 Year Return (%) | 4.35% | 6.15% |
| 3 Year Return (%) | 12.2% | 6.93% |
| 5 Year Return (%) | 11.25% | 6.11% |
| Since Launch (%) | 12.54% | 6.84% |
| 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) | Nikhil Kabra; Ritesh Lunawat (4.8 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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, humara verdict hai ki Fund A, ICICI Prudential Balanced Advantage Fund, long-term ke liye better hai. Yeh fund 3Y return mein 12.2% ka return deta hai, expense ratio 1% hai, aur riskometer moderately high hai. Fund B, ICICI Prudential Liquid Fund, high returns ke liye nahi 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 ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Chaliye, hum SIP ke liye fund ko compare karenge. Fund A ki consistency aur return stability Fund B se behtar hai. Dekho, Fund A ka 3Y return Fund B se 6.93% kam hai, lekin expense ratio 0.88% kam hai. Isliye, Fund A SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer aur volatility ka comparison karna hoga. Fund A ki riskometer moderately high hai aur volatility 9.34 hai, lekin Fund B ki riskometer low hai aur volatility 0.12 hai. Sharpe ratio mein bhi Fund B 3.58 se 0.61 kam hai. Isliye, Fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Chaliye, hum asset allocation aur top holdings concentration ko compare karenge. Fund A ki asset allocation equity mein 68.12% hai aur CD mein 4.05% hai. Fund B ki asset allocation T-Bills mein 65% hai. Dekho, Fund B ki asset allocation kitni hi concentrate hai. Top holdings mein bhi Fund A ki concentration behtar hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
ICICI Prudential 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 ka 5Y return 11.25% hai, jo Fund B ka 6.11% se behtar hai. Isliye, Fund A long-term ke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki volatility 9.34 hai, jo Fund B ki 0.12 se behtar hai. Sharpe ratio mein bhi Fund A 0.61 hai, jo Fund B ka 3.58 se kam hai. Isliye, Fund A behtar risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jo Fund A ka 1% 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