ICICI Prudential Balanced Advantage Fund vs Navi 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%
Yeh article mein hum do mutual funds ka tarka karenge - ICICI Prudential Balanced Advantage Fund aur Navi Mutual Fund Liquid Fund. Fund A hybrid category mein hai, jabki Fund B liquid fund category mein hai. Yeh pustak mein aapko yeh janna hoga ki kis fund mein invest karna hai, lekin kya karna hoga.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Navi Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 5622.79 |
| AUM (₹ Cr) | 7.06 Lac Cr | 4.54 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% | 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A 3Y return mein 12.2% return deta hai, jabki Fund B 6.93% return deta hai. Lekin, expense ratio ke hisaab se, Fund A 1% expense ratio ke saath, Fund B 0.12% expense ratio ke saath behtar hai. Fund A ka riskometer moderately high hai, jabki Fund B ka riskometer low hai. Isliye, Fund B better fund hai long-term wealth creation ke liye.
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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP ke liye, Fund B better hai, kyunki iska consistency aur return stability kaafi accha hai. Fund A ka 1Y return 4.35% hai, jabki Fund B ka 1Y return 6.17% hai. Isliye, Fund B monthly SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Fund A ka riskometer moderately high hai, jabki Fund B ka riskometer low hai. Fund A ka volatility 9.34 hai, jabki Fund B ka volatility 0.13 hai. Sharpe ratio ke hisaab se, Fund B ka Sharpe ratio 3.31 hai, jabki Fund A ka Sharpe ratio 0.61 hai. Isliye, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Fund A ka asset allocation equity mein 68.12% hai, jabki Fund B ka asset allocation T-Bills mein 65% hai. Fund A ka top holdings TVS Motor Company Ltd, ICICI Bank Ltd, aur HDFC Bank Ltd mein hai, jabki Fund B ka top holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai. Isliye, Fund B ka asset allocation aur top holdings concentration kaafi kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Navi 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?
Fund A ka 5Y return 11.25% hai, jabki Fund B ka 5Y return 6.11% hai. Isliye, Fund A better returns deta hai long run mein.
Q2: Is the higher risk fund worth it?
Fund A ka volatility 9.34 hai, jabki Fund B ka volatility 0.13 hai. Sharpe ratio ke hisaab se, Fund A ka Sharpe ratio 0.61 hai, jabki Fund B ka Sharpe ratio 3.31 hai. Isliye, Fund B better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 1% hai, jabki Fund B ka expense ratio 0.12% 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