ICICI Prudential Balanced Advantage Fund vs PPFAS 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%
Dekho, aap logon ke paas do aise fund hain jo aapko naye investment opportunities ke liye prarambhik chahiye. Fund A, ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth ek hybrid fund hai jiska 3 saal ka return 12.2% hai, jabki Fund B, PPFAS Mutual Fund Liquid Fund - Direct Plan - Growth ek liquid fund hai jiska 3 saal ka return 6.93% hai. Chaliye, hum donon fundon ka vivaran karte hain aur dekhte hain ki kis fund aapke liye achha hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | PPFAS Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 5622.79 |
| AUM (₹ Cr) | 7.06 Lac Cr | 4.41 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Chaliye aate hain is fund ke verdict par. 3Y return, expense ratio aur risk ke mukabla Fund A ICICI Prudential Balanced Advantage Fund aapko better fund deta hai. Iski 3Y return 12.2% hai, expense ratio 1% hai aur riskometer moderately high hai. Fund B ka 3Y return 6.93% hai, expense ratio 0.12% hai aur riskometer low hai. Isliye, Fund A aapke long-term wealth creation ke liye better fund 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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP suitabilita ke liye, hum is baat ka dhyan rakhenge ki kis fund se aapko consistent aur stable return milta hai. Fund A ka 1Y return 4.35% hai aur 3Y return 12.2% hai, jabki Fund B ka 1Y return 6.17% hai aur 3Y return 6.93% hai. Isliye, Fund B aapke monthly SIP ke liye better fund hai, lekin Fund A ka 5Y return 11.25% hai, jo ki Fund B ka 5Y return 6.11% se zyada hai. Isliye, Fund A ka consistency aur return stability Fund B se zyada hai.
⚠️ Risk & Cost Analysis
Risk & cost analysis ke liye, hum aapko riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karna hoga. Fund A ka riskometer moderately high hai, volatility 9.34 hai, Sharpe ratio 0.61 hai aur expense ratio 1% hai. Fund B ka riskometer low hai, volatility 0.12 hai, Sharpe ratio 3.58 hai aur expense ratio 0.12% hai. Isliye, Fund B aapko better risk-adjusted returns deta hai, lekin Fund A ka 5Y return Fund B ka 5Y return se zyada hai. Isliye, Fund A ka risk-adjusted returns Fund B se zyada hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke mutabiq, hum donon fundon ka vivaran karte hain. 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. Iske alawa, Fund A ka top holdings TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), aur HDFC Bank Ltd. (3.65%) hai. Fund B ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Iske alawa, Fund B ka top holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
PPFAS 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?
Iske liye hum Fund A aur Fund B ka 5Y return ka comparison karenge. Fund A ka 5Y return 11.25% hai, jo ki Fund B ka 5Y return 6.11% se zyada hai. Isliye, Fund A aapko better returns deta hai.
Q2: Is the higher risk fund worth it?
Iske liye hum Fund A aur Fund B ka volatility aur Sharpe ratio ka comparison karenge. Fund A ka volatility 9.34 hai aur Sharpe ratio 0.61 hai, jabki Fund B ka volatility 0.12 hai aur Sharpe ratio 3.58 hai. Isliye, Fund B aapko better risk-adjusted returns deta hai, lekin Fund A ka 5Y return Fund B ka 5Y return se zyada hai. Isliye, Fund A ka risk-adjusted returns Fund B se zyada hai.
Q3: Which fund is more cost-effective?
Iske liye hum Fund A aur Fund B ka expense ratio ka comparison karenge. Fund A ka expense ratio 1% hai, jo ki Fund B ka expense ratio 0.12% se zyada hai. Isliye, Fund B aapko better cost-effectiveness deta 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