ICICI Prudential Balanced Advantage Fund vs LIC 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%
Aapke paas do Hybrid aur Liquid Fund hain. Fund A, ICICI Prudential Balanced Advantage Fund, ek Hybrid Fund hai jiska AUM 70,551 cr hai. Fund B, LIC Mutual Fund Liquid Fund, ek Liquid Fund hai jiska AUM 40,176 cr hai. Aaj hum yeh dekhein ki yeh do fund kaise compare hote hain aur kis fund mein investment karna theek hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | LIC Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 5622.79 |
| AUM (₹ Cr) | 7.06 Lac Cr | 4.02 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% | 6.17% |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Chaliye dekhen ki Fund A and Fund B mein se kis fund aapke liye better hai. Fund B ka 3Y return 6.93% hai, lekin expense ratio 0.12% hai. Fund A ka 3Y return 12.2% hai, lekin expense ratio 1%. Haan, Fund A ka expense ratio Fund B ke compare mein thoda jyada hai, lekin 5Y return mein Fund A aage hai. Toh Fund A aapke liye 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Ek SIP (Systematic Investment Plan) ke liye aapko ek stable fund chahiye. Fund A ka 5Y return 11.25% hai, lekin Fund B ka 5Y return 6.11% hai. Chaliye dekhen ki Fund A ke liye SIP karna theek hai. Fund A ka riskometer Moderately High hai, lekin Fund B ka riskometer Low hai. Haan, Fund B ka riskometer Fund A ke compare mein thoda kam hai.
⚠️ Risk & Cost Analysis
Ab hum dekhenge ki Fund A aur Fund B ke riskometer kya hai. Fund A ka riskometer Moderately High hai, jabki Fund B ka riskometer Low hai. Haan, Fund A ka volatility 9.34 hai, lekin Fund B ka volatility 0.12 hai. Sharpe ratio mein bhi Fund A aage hai. Toh Fund A aapke liye better hai.
📊 Portfolio Diversification
Ab hum dekhenge ki Fund A and Fund B ke portfolio mein kya difference hai. Fund A mein Equity 68.12% hai, jabki Fund B mein T-Bills 65.00% hai. Chaliye dekhen ki Fund A ka portfolio Fund B ke compare mein thoda vishesh hai. Fund A mein ID -0.59% hai, jabki Fund B mein koi ID nahi hai. Haan, Fund A ka asset allocation Fund B ke compare mein thoda vishesh hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
LIC 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 ka 5Y return 11.25% hai, jo Fund B ka 5Y return 6.11% se jyada hai. Isse clear hai ki Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka Sharpe ratio 0.61 hai, jo Fund B ka Sharpe ratio 3.58 se kam hai. Isse clear hai ki Fund A better risk-adjusted returns ka offer karta hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 1% se kam hai. Isse clear hai ki Fund B more 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