ICICI Prudential Balanced Advantage Fund vs Tata 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, aapne do funds compare kiya hai, Fund A: ICICI Prudential Balanced Advantage Fund aur Fund B: Tata Mutual Fund Liquid Fund. Sabse pehle, chaliye hum fundon ki categories aur aapko milne wale tareeke se jaante hain. Fund A ek hybrid fund hai, jabki Fund B ek liquid fund hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Tata Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 5622.79 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.50 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Haan, let's see, Fund A ki 3Y return 12.2% hai, jabki Fund B ki 3Y return 6.93% hai. Expense ratio ke maamle mein, Fund A ki expense ratio 1% hai, jabki Fund B ki 0.12% hai. Isliye, Fund A aapke long-term wealth creation ke liye behtar 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Ek monthly SIP ke liye, Fund B better hai kyonki yeh fund apne 1Y aur 3Y returns mein consistent hai. Fund A ki 1Y return 4.35% hai, jabki Fund B ki 6.17% hai. Isliye, Fund B aapke SIP ke liye better option hai.
⚠️ Risk & Cost Analysis
Jab riskometer, volatility, Sharpe ratio aur expense ratio ka comparison kiya jata hai, to Fund A better option dikhai deta hai. Fund A ki riskometer Moderately High hai, jabki Fund B ki Low hai. Sharpe ratio mein bhi Fund A aage hai, lekin expense ratio mein Fund B aage hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke maamle mein, Fund A aur Fund B mein bahut kuch difference hai. Fund A mein equity 68.12% hai, jabki Fund B mein T-Bills 65.00% hai. Isliye, Fund A mein asset allocation better hai. Top holdings concentration ka maamla hai, to Fund A mein TVS Motor Company Ltd. 5.25% hai, jabki Fund B mein State Bank of India CD 8.5% hai. Isliye, Fund A mein top holdings concentration better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Tata 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?
Sach ye hai, Fund A ki 5Y return 11.25% hai, jabki Fund B ki 6.11% hai. Isliye, Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki volatility 9.34 hai, jabki Fund B ki 0.13 hai. Sharpe ratio mein bhi Fund A aage hai, lekin expense ratio mein Fund B aage hai. Isliye, Fund A ki higher risk worth hai.
Q3: Which fund is more cost-effective?
Expense ratio ke maamle mein, Fund B 0.12% hai, jabki Fund A 1% hai. Isliye, Fund B more 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