ICICI Prudential Balanced Advantage Fund vs Quant 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
9.45%
Dekho, aap logon ko aaj hum do mutual funds ke beech ki comparison karne jaa rahe hain. Fund A, ICICI Prudential Balanced Advantage Fund Direct Plan Growth hai, aur Fund B, Quant Mutual Fund Liquid Fund Direct Plan Growth hai. Aap ye jaanenge ki kis fund mein lagana achha hai aur kya aapke SIP ke liye achi hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BQuant Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Quant Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 22.09 |
| AUM (₹ Cr) | 7.06 Lac Cr | 4.47 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.13 |
| Sharpe Ratio | 0.61 | 22.69 |
| 1 Year Return (%) | 4.35% | 0.9% |
| 3 Year Return (%) | 12.2% | 9.45% |
| 5 Year Return (%) | 11.25% | 8.38% |
| Since Launch (%) | 12.54% | 12.05% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 11 June 2019 |
| 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% | 267% |
🤖 AI Verdict – Which is Better?
Haan, Fund A ki long-term wealth creation ke liye sabse achhi hai. Uska 3Y return 12.2% hai, jo Fund B se bahut zyada hai. Lekin expense ratio bhi 1% hai, jo Fund B se zyada hai. Riskometer bhi Moderately High hai, jiski wajah se Fund B ko priority dena achha 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 Quant Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 9.45%
- AUM: 4.47 Lac Cr
- Sharpe Ratio: 22.69
📈 SIP Suitability
SIP ke liye Fund B kaafi achha hai. Uska 3Y return 9.45% hai aur riskometer Low hai, jisse investment stability aur stability mein sahayog karta hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se, Fund B kaafi kam risk wala fund hai. Sharpe ratio bhi 22.69 hai, jo Fund A se bahut zyada hai. Expense ratio bhi 0.12% hai, jo Fund A se kam hai. Dekho, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, Fund B ka portfolio kaafi kam risk wala hai. Usme T-Bills, CD, aur CP ka 95% portion hai. Fund A ka portfolio bhi diversify hai, lekin equity ka 68.12% portion hai, jisse sector risk bhi hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Quant Mutual Fund Liquid Fund
₹1000392.84
@9.4% 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 8.38% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka volatility 9.34 hai, jo Fund B ka 0.13 se zyada hai. Lekin Sharpe ratio bhi 0.61 hai, jo Fund B ka 22.69 se kam hai. Dekho, Fund B kaafi kam risk wala fund hai.
Q3: Which fund is more cost-effective?
Haan, Fund B ka expense ratio 0.12% hai, jo Fund A ka 1% se kam hai. Dekho, Fund B cost-effective fund 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