ICICI Prudential Balanced Advantage Fund vs Kotak Mahindra 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 funds ka comparison karne wale hain - ICICI Prudential Balanced Advantage Fund aur Kotak Mahindra Liquid Fund. Fund A Hybrid category ka hai, jabki fund B Liquid Fund category ka hai. Aaj hum ye jaanne ki koshish karenge ki in dono funds mein kya fark hai aur kis fund mein long-term wealth creation ke liye sapne dekhne chahiye.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Kotak Mahindra |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 5622.79 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye Fund A, ICICI Prudential Balanced Advantage Fund, better fund hai. Ye fund 3Y return mein 12.2% return de raha hai, jo Fund B se adhik hai. Aapko pata hai ki expense ratio Fund B mein kam hai, lekin Fund A ka riskometer Moderately High hai, jo Fund B se adhik hai. Lekin, Fund A ka Sharpe ratio 0.61 hai, jo fund B ki tule se kam 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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Haan, SIP suitability ke liye hum dekhenge ki Fund A ya Fund B better hai. Fund B ka 3Y return Fund A se kam hai, lekin Fund B ka expense ratio kam hai. Lekin, Fund A ka riskometer adhik hai, jo SIP ke liye thoda risk hai. Lekin, Fund A ka Sharpe ratio kam hai, jo fund B ki tule se kam hai. Lekin, Fund A ka AUM 70,551 Cr hai, jo Fund B se adhik hai.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer, volatility aur Sharpe ratio ke hisaab se Fund B better hai. Fund B ka riskometer Low hai, jo Fund A se kam hai. Fund B ka volatility 0.11 hai, jo Fund A ki tule se kam hai. Fund B ka Sharpe ratio 3.91 hai, jo Fund A ki tule se adhik hai. Lekin, Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio se kam hai.
📊 Portfolio Diversification
Chaliye dekho, asset allocation aur top holdings concentration ke hisaab se Fund B better hai. Fund B ka asset allocation T-Bills mein 65% hai, jo Fund A ki tule se adhik hai. Fund B ka top holdings concentration State Bank of India CD mein 8.5% hai, jo Fund A ki tule se kam hai. Fund B ka portfolio diversification adhik hai, lekin Fund A ka sector risk kam hai.
Q1: Which fund gives better returns in the long run?
Kotak Mahindra Liquid Fund ka 5Y return 6.11% hai, jo ICICI Prudential Balanced Advantage Fund ka 5Y return 11.25% se kam hai, lekin Fund A ka 3Y return 12.2% hai, jo Fund B ka 3Y return 6.93% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka volatility 9.34 hai, jo Fund B ki tule se adhik hai, lekin Fund A ka Sharpe ratio 0.61 hai, jo Fund B ki tule se kam hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 1% se kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Kotak Mahindra 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.
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