ICICI Prudential Balanced Advantage Fund vs Old Bridge 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%
Chaliye, aaj hum do mutual funds ke beech mein compare karenge: ICICI Prudential Balanced Advantage Fund aur Old Bridge Mutual Fund Liquid Fund. Ye do funds aapke purane aur nayi nivesh ke liye upyukt hain? Dekho, hum aapko yahaan iske beech ki pehchan karne mein madad karenge.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Old Bridge Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 5622.79 |
| AUM (₹ Cr) | 7.06 Lac Cr | 4.73 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) | 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% | 239% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term dhan srijan ke liye Fund A, ICICI Prudential Balanced Advantage Fund, behtar hai. Yeh fund 3Y return mein 12.2% ka return deta hai, jo Fund B ke 6.93% se adhik hai. Lekin, yeh fund Moderately High riskometer ka hai, jiska expense ratio 1% hai. Fund B, Old Bridge Mutual Fund Liquid Fund, Low riskometer ka hai aur 0.12% ka expense ratio 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 Old Bridge Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.73 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Dekho, Fund A, ICICI Prudential Balanced Advantage Fund, 5Y return mein 11.25% ka return deta hai, jo Fund B ke 6.11% se adhik hai. Lekin, yeh fund volatility mein 9.34 hai, jo Fund B ke 0.12 se adhik hai. SIP ke liye Fund B adhik suitable hai, jiska return stable hai aur risk low hai.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund A, ICICI Prudential Balanced Advantage Fund, Moderately High riskometer ka hai, jiska expense ratio 1% hai. Fund B, Old Bridge Mutual Fund Liquid Fund, Low riskometer ka hai, jiska expense ratio 0.12% hai. Fund B ka Sharpe ratio 3.58 hai, jiska Sharpe ratio Fund A ke 0.61 se adhik hai. Fund B adhik risk-adjusted returns deta hai.
📊 Portfolio Diversification
Fund A, ICICI Prudential Balanced Advantage Fund, asset allocation mein Equity 68.12% aur Debt 31.88% ka hai. Fund B, Old Bridge Mutual Fund Liquid Fund, asset allocation mein T-Bills 65.00% aur CD 20.00% ka hai. Fund B ka asset allocation adhik diversified hai. Lekin, Fund A ka top holdings concentration TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), aur HDFC Bank Ltd. (3.65%) mein hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Old Bridge 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, ICICI Prudential Balanced Advantage Fund, 5Y return mein 11.25% ka return deta hai, jo Fund B ke 6.11% se adhik hai. Lekin, yeh fund Moderately High riskometer ka hai. Isliye, Fund B adhik suitable hai SIP ke liye.
Q2: Is the higher risk fund worth it?
Nahin, Fund A, ICICI Prudential Balanced Advantage Fund, Moderately High riskometer ka hai, jiska volatility 9.34 hai. Fund B ka Sharpe ratio 3.58 hai, jiska Sharpe ratio Fund A ke 0.61 se adhik hai. Isliye, Fund B adhik risk-adjusted returns deta hai.
Q3: Which fund is more cost‑effective?
Fund B, Old Bridge Mutual Fund Liquid Fund, 0.12% ka expense ratio hai, jo Fund A ke 1% se kam hai. Lekin, isme exit load N/A hai. Isliye, Fund B adhik 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