ICICI Prudential Balanced Advantage Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
6.55%
Dekho, today humein do funds ke beech ka comparison karna hai - ICICI Prudential Balanced Advantage Fund aur Motilal Oswal Liquid Fund. Ye donke dono hybrid aur liquid funds hai. Is article mein hum aapko fund B ki tazein return, expense ratio aur riskometer ke baare mein bataenge. Chaliye shuru karen.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Motilal Oswal |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 14.67 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.12 |
| Sharpe Ratio | 0.61 | 0.42 |
| 1 Year Return (%) | 4.35% | 5.84% |
| 3 Year Return (%) | 12.2% | 6.55% |
| 5 Year Return (%) | 11.25% | 5.76% |
| Since Launch (%) | 12.54% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | Niket Shah (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% | 261% |
🤖 AI Verdict – Which is Better?
Haan, fund B, Motilal Oswal Liquid Fund aapke liye is liye acha hai kyunki iska 3Y return 12.2% hai, expense ratio 0.12% hai aur riskometer Low hai. Yah fund long-term wealth creation ke liye acha hai. Fund A ka 3Y return 12.2% hai lekin expense ratio 1% hai aur riskometer Moderately High hai. Toh, fund B aapke liye acha 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 Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
Ek monthly SIP ke liye, fund B aapke liye acha hai kyunki iska return stability aur consistency aur bhi accha hai. Iska 1Y return 5.84% hai aur 5Y return 5.76% hai. Fund A ka 1Y return 4.35% hai aur 5Y return 11.25% hai, lekin iska return stability aur consistency kam hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke baare mein dekha jaata hai ki fund B aapke liye acha hai. Iska riskometer Low hai, volatility 0.12 hai aur Sharpe ratio 0.42 hai. Fund A ka riskometer Moderately High hai, volatility 9.34 hai aur Sharpe ratio 0.61 hai. Isliye, fund B aapke liye acha hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, Fund A better hai. Fund A ka 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%, aur Futures: -3.84% hai. Haan, Fund B ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Dekho, Fund A ka asset allocation Fund B ke comparison mein accha hai. Chaliye, Fund A ke portfolio mein asset allocation se behtar hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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?
Answer sach ye hai, fund A ka 5Y return 11.25% hai aur fund B ka 5Y return 5.76% hai. Fund A ka 3Y return 12.2% hai, lekin expense ratio 1% hai. Toh, fund A long-term wealth creation ke liye acha hai.
Q2: Is the higher risk fund worth it?
Answer haan, fund A ka riskometer Moderately High hai, lekin iska return stability aur consistency aur bhi accha hai. Iska 5Y return 11.25% hai aur 3Y return 12.2% hai. Fund B ka return stability aur consistency kam hai aur iska 5Y return 5.76% hai.
Q3: Which fund is more cost‑effective?
Answer fund B aapke liye acha hai kyunki iska expense ratio 0.12% hai, lekin fund A ka expense ratio 1% hai. Isliye, fund B aapke liye acha 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