ICICI Prudential Bluechip Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.98%
Agar tumhara paisa grow karna hai aur long-term wealth creation ki soch hai, toh tumhein kuch fund options milte hain. Is article mein hum do fund ke beech ki comparison karenge. Fund A, ICICI Prudential Bluechip Fund, large cap category mein hai aur Fund B, Bandhan Mutual Fund Liquid Fund, liquid fund category mein hai. Dekho, tumhari need aur risk ki capacity ke hisaab se fund chunna zaroori hai.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Bandhan Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 39.33 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.12 |
| Sharpe Ratio | 0.71 | 4 |
| 1 Year Return (%) | 24.48% | 1.41% |
| 3 Year Return (%) | 15.44% | 6.98% |
| 5 Year Return (%) | 12.65% | 5.96% |
| Since Launch (%) | 16.42% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Manish Gunwani (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% | 251% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye Fund A bhaari badha hua hai. 5 saal mein 12.65% return hai aur 3 saal mein 15.44% return. Expense ratio bhi 1.52% hai, jo kam hai. Riskometer bhi Very High hai, lekin sharpe ratio 0.71 hai, jo kaafi achha hai. Toh, hamara verdict hai ki Fund A long-term wealth creation ke liye acha fund 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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Agar tum monthly SIP karte ho, toh Fund B acha fund hai. Consistency aur return stability ke liye Fund B kam risk wala hai. 1 saal mein 1.41% return hai, jo kam hai, lekin 3 saal mein 6.98% return hai. Isliye, Fund B monthly SIP ke liye achha fund hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisaab se Fund A bhaari risk wala hai, lekin sharpe ratio 0.71 hai, jo kaafi achha hai. Expense ratio 1.52% hai, jo kam hai. Fund B low risk wala hai, lekin expense ratio 0.12% hai, jo bahut kam hai. Volatility Fund B 0.12 hai, jo Fund A ke 12.54 se kam hai. Isliye, Fund B better risk-adjusted return offer karta hai.
📊 Portfolio Diversification
Ab hum aapko batayenge ki Fund A aur Fund B ka asset allocation kya hai. Fund A mein equity 96% hai, jabki T-Bills mein 4% hai. Fund B mein T-Bills mein 65% hai, CD mein 20% hai, CP mein 10% hai aur cash mein 5% hai. Dekho, Fund B aapke liye adhik diversified hai. Fund A ka top 3 holdings mein HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) hai, jabki Fund B ka top 3 holdings mein State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) hai. Sach ye hai, Fund B aapke liye sector risk se adhik bachaata hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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 5 saal mein 12.65% return aur 3 saal mein 15.44% return deta hai, jo Fund B ke 5 saal mein 5.96% return aur 3 saal mein 6.98% return se bada hai.
Q2: Is the higher risk fund worth it?
Volatility aur sharpe ratio ke hisaab se, Fund A bhaari risk wala hai, lekin sharpe ratio 0.71 hai, jo kaafi achha hai. Fund B low risk wala hai, lekin sharpe ratio 4 hai, jo Fund A ke sharpe ratio se zyada hai. Isliye, Fund B better risk-adjusted return offer karta hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisaab se, Fund B 0.12% hai, jo Fund A ke 1.52% se kam hai. Isliye, Fund B 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