ICICI Prudential Bluechip Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.85%
Aaj hum do fundon ka comparison karne ja rhe hain - ICICI Prudential Bluechip Fund aur Aditya Birla Sun Life Liquid Fund. Ye dono fund alag-alag category mein aate hain, lekin kya aapko pata hai ke inme se kis fund ne aage badhte samay mein better return diya? Dekho is article mein.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Aditya Birla Sun Life |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 443.77 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.13 |
| Sharpe Ratio | 0.71 | 2.69 |
| 1 Year Return (%) | 24.48% | 6.09% |
| 3 Year Return (%) | 15.44% | 6.85% |
| 5 Year Return (%) | 12.65% | 6.05% |
| Since Launch (%) | 16.42% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | Nifty 50 | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 28% | 279% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, Fund B ka 3Y return chhota hai, lekin expense ratio bhi kam hai. Lekin agar aap long-term investment ke liye tayar hain, to Fund A ka 3Y return aur sharadha ki shakti dekhkar hum use better fund keh sakte hain. Haan, isme risk bhi jada hai, lekin yadi aap risk le sakte hain, to Fund A aapke liye behtar vikalp hai.
Why consider ICICI Prudential Bluechip Fund?
- Expense ratio: 1.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
SIP ke liye Fund A ka 3Y return aur return stability dono alag hai. Lekin agar aap SIP ke liye 10+ years ke liye ready hain, to Fund B ka consistency aur return stability mele mein bada hai. Dekho, Fund B ka expense ratio bhi kam hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye Fund B kam risk ka fund hai, lekin Sharpe ratio aur expense ratio ke liye Fund A kam risk ka fund hai. Lekin agar aap risk-adjusted return ke liye chunti kar rahe hain, to Fund B aapke liye better hai. Haan, yadi aap expense ratio ke liye chintit hain, to Fund B aapke liye behtar hai.
📊 Portfolio Diversification
Fund A ka asset allocation alag hai, jaha par equity 96% hai, lekin Fund B ka asset allocation alag hai, jaha par T-Bills 65% aur CD 20% hai. Lekin agar aap portfolio diversification ke liye chunti kar rahe hain, to Fund B ka asset allocation aur sector risk mele mein kam hai. Dekho, Fund B ka top holdings concentration bhi kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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 aur 3Y return dono Fund B se jada hai. To, agar aap long-term investment ke liye tayar hain, to Fund A aapke liye better hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke liye dekho, Fund B kam risk ka fund hai. Lekin agar aap risk le sakte hain, to Fund A aapke liye better hai. Haan, yadi aap expense ratio ke liye chintit hain, to Fund B aapke liye behtar hai.
Q3: Which fund is more cost‑effective?
Expense ratio aur exit load (if provided) ke liye dekho, Fund B ka expense ratio kam hai. To, agar aap cost-effectiveness ke liye chunti kar rahe hain, to Fund B aapke liye better 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