ICICI Prudential Balanced Advantage Fund vs UTI 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, investors! Aaj hum do funds ki comparison karne wale hain - ICICI Prudential Balanced Advantage Fund aur UTI Mutual Fund Liquid Fund. Ye do funds alag-alag categories mein aate hain - Hybrid aur Liquid Fund. Ye comparison aapko pata lagayega ki aapke investment ke liye kya fund achha hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | UTI Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 84.60 | 5622.79 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 1% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 9.34 | 0.11 |
| Sharpe Ratio | 0.61 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Haan, fund B better hai long-term wealth creation ke liye. Iska sabse bada reason 3Y return hai, jo 12.2% hai, lekin expense ratio bhi kam hai, 0.12% hai. Fund A ka 3Y return 12.2% hai, lekin expense ratio 1% hai. Isliye, fund B better 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke hisaab se, hum aapko batayenge ki Fund A ya Fund B better hai. Dekho, Fund A mein 5Y return 11.25% hai jabki Fund B mein 6.11% hai. Lekin, Fund A mein expense ratio 1% hai jabki Fund B mein 0.12% hai. SIP ke hisaab se, hum kheench sakte hain ki Fund A mein consistency aur return stability hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sabhi ek doosre se judhe hain. Dekho, Fund B ke riskometer low hai jabki Fund A ke riskometer moderately high hai. Volatility ke hisaab se, Fund B mein 0.11% volatility hai jabki Fund A mein 9.34% hai. Sharpe ratio ke hisaab se, Fund B mein 3.91 Sharpe ratio hai jabki Fund A mein 0.61 hai. Expense ratio ke hisaab se, Fund B mein 0.12% expense ratio hai jabki Fund A mein 1% hai. Sach ye hai, Fund B better hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Portfolios ki asset allocation mein fund A aur fund B mein kuch alag hai. Fund A mein Equity 68.12% hai, lekin fund B mein T-Bills 65.00% hai. Fund A mein CD, REITs, SDL, GOI Sec, Debenture, T-Bills, NCD, Sec. Debt, Debt, InvITs, CP, ZCB, GOI FRB, Pref. Shares aur ID mein 40.91% investment hai, lekin fund B mein T-Bills, CD, CP, aur Cash mein 95% investment hai. Isliye, fund B portfolio mein zyada diversification hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
UTI 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?
Long-run mein, fund A better hai, jiska 5Y return 11.25% hai, jo fund B ka 5Y return 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, fund A ki higher risk worth hai, lekin yeh risk-adjusted returns mein fund B se kam hai. Fund A ka riskometer Moderately High hai, aur volatility bhi zyada hai, 9.34%. Fund B ka riskometer Low hai, aur volatility bhi kam hai, 0.11%.
Q3: Which fund is more cost‑effective?
Fund B more cost-effective hai, jiska expense ratio 0.12% hai, jo fund A ka expense ratio 1% se kam 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