ICICI Prudential Balanced Advantage Fund vs Invesco 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%
Aaj hum do mutual funds kee taiyaari karne ja rahe hain - ICICI Prudential Balanced Advantage Fund aur Invesco Mutual Fund Liquid Fund. Dono fund aasani se invest karne ke liye aapake liye upyukt hain, lekin aapko pata hona chahiye ki ve dono fund kaun se maqsad ke liye upyukt hain. Yeh post aapake liye hai taaki aap dono fund ke beech ka comparison kar sakein aur apni investment kee theek taiyaari kar sakein.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BInvesco Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Invesco Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 3819.94 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.76 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.13 |
| Sharpe Ratio | 0.61 | 3.31 |
| 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% | 6.82% |
| 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) | Amit Ganatra (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% | 269% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki long-term wealth creation ke liye, Fund A (ICICI Prudential Balanced Advantage Fund) aapake liye better fund hai. 3Y return ka dhyaan rakhkar, aapka 12.2% ka return fund B (Invesco Mutual Fund Liquid Fund) ka 6.93% se behtar hai. Expense ratio kee baat karein, to Fund B aapake liye behtar fund hai, lekin riskometer kee baat karein, to Fund A aapake liye behtar fund hai. Haan, dono fund aapake liye upyukt hain, lekin long-term wealth creation ke liye Fund A aapake liye better fund 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 Invesco Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.76 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, Fund B aapake liye better fund hai. Iska sabse bada kaaran yeh hai ki Fund B ek Liquid Fund hai, jisse aapka paisa saavdhaan rakhne ke liye upyukt hai. Fund B ki consistency aur return stability Fund A se behtar hai, kyonki yeh ek liquid fund hai jo aapke paisa ko saavdhaan rakhne ke liye upyukt hai.
⚠️ Risk & Cost Analysis
Riskometer kee baat karein, to Fund A aapake liye behtar fund hai. Fund A ka riskometer Moderately High hai, jabki Fund B ka riskometer Low hai. Volatility kee baat karein, to Fund A aapake liye behtar fund hai. Sharpe ratio kee baat karein, to Fund A aapake liye behtar fund hai. Expense ratio kee baat karein, to Fund B aapake liye behtar fund hai. Haan, dono fund aapake liye upyukt hain, lekin riskometer, volatility, Sharpe ratio, aur expense ratio kee baat karein, to Fund A aapake liye behtar fund hai.
📊 Portfolio Diversification
Fund A aur Fund B dono fund aapake liye upyukt hain, lekin portfolio diversification kee baat karein, to Fund B aapake liye behtar fund hai. Fund B ka asset allocation sabse jyada T-Bills, CD, aur CP mein hai, jabki Fund A ka asset allocation sabse jyada equity mein hai. Isse yeh pata chalta hai ki Fund B ka portfolio dono fund kee tulna mein adhik diversified hai. Haan, Fund A ka portfolio bhi diversified hai, lekin Fund B ka portfolio aapake liye behtar hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Invesco 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 ki Fund A (ICICI Prudential Balanced Advantage Fund) aapake liye better fund hai. Fund A ka 5Y return 11.25% hai, jabki Fund B (Invesco Mutual Fund Liquid Fund) ka 5Y return 6.11% hai. Isliye, Fund A aapake liye long-term wealth creation ke liye better fund hai.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Fund A (ICICI Prudential Balanced Advantage Fund) ka riskometer Moderately High hai, jabki Fund B (Invesco Mutual Fund Liquid Fund) ka riskometer Low hai. Haan, Fund A ka Sharpe ratio 0.61 hai, jabki Fund B ka Sharpe ratio 3.31 hai. Isliye, Fund A aapake liye behtar fund hai, lekin aapko pata hona chahiye ki aapka investment ki maqsad kya hai. Agar aapka investment ki maqsad long-term wealth creation hai, to Fund A aapake liye better fund hai. Agar aapka investment ki maqsad aasani se invest karna hai, to Fund B aapake liye better fund hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B (Invesco Mutual Fund Liquid Fund) ka expense ratio 0.12% hai, jabki Fund A (ICICI Prudential Balanced Advantage Fund) ka expense ratio 1% hai. Isliye, Fund B aapake liye cost-effective fund hai. Haan, aapko pata hona chahiye ki aapka investment ki maqsad kya hai. Agar aapka investment ki maqsad long-term wealth creation hai, to Fund A aapake liye better fund hai. Agar aapka investment ki maqsad aasani se invest karna hai, to Fund B aapake liye better 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