ICICI Prudential Bluechip Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.92%
Today, we are going to compare two distinct fund options, one being a Large Cap fund and the other a Liquid Fund, to determine which suits your investment goals better. Dekho, these funds cater to different risk appetites and investment horizons. In this article, we will dive into the details of Fund A - ICICI Prudential Bluechip Fund and Fund B - Baroda BNP Paribas Liquid Fund, and explore which one is more suitable for you.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Baroda BNP Paribas |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 3208.35 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.11 |
| Sharpe Ratio | 0.71 | 3.82 |
| 1 Year Return (%) | 24.48% | 6.16% |
| 3 Year Return (%) | 15.44% | 6.92% |
| 5 Year Return (%) | 12.65% | 6.14% |
| Since Launch (%) | 16.42% | 6.88% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Based on our analysis, we think Fund B - Baroda BNP Paribas Liquid Fund is a better choice for long-term wealth creation. It has a relatively stable 3Y return of 6.92% compared to Fund A's 15.44%, and a significantly lower expense ratio of 0.12% against 1.52%. Haan, this makes Fund B a more cost-effective option for investors looking to save for the long term. Lekin, if you're comfortable with higher risk and volatility, Fund A might still be suitable for you.
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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
When it comes to monthly SIPs for 10+ years, Fund B seems more suitable. Its returns are relatively stable, and it offers better consistency compared to Fund A. Chaliye, let's look at the data: Fund A's 3Y return is high, but it's also riskier. Fund B's returns, on the other hand, are more stable, making it a safer bet for long-term SIPs.
⚠️ Risk & Cost Analysis
When comparing riskometer, volatility, Sharpe ratio, and expense ratio, Fund B emerges as a better option. Its low riskometer of Low and volatility of 0.11 make it a safer bet. Lekin, its Sharpe ratio of 3.82 is also impressive, indicating that it offers better risk-adjusted returns. Fund A, with a Very High riskometer and higher volatility of 12.54, is riskier but offers a higher Sharpe ratio of 0.71. Haan, the choice ultimately depends on your risk appetite and investment horizon.
📊 Portfolio Diversification
Looking at asset allocation and top holdings concentration, Fund B seems more diversified. Its asset allocation of 65% T-Bills, 20% CD, 10% CP, and 5% Cash makes it a solid choice for those seeking stability. Fund A, with 96% equity and 4% T-Bills, is more concentrated in equity. Dekho, this means Fund B has sector risk, but it's lower compared to Fund A. Chaliye, it's essential to note that diversification is not the only factor in portfolio management.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@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?
Based on 5Y returns, Fund A offers 12.65% compared to Fund B's 6.14%. Sach ye hai, Fund A gives better returns in the long run, but its risk profile is higher.
Q2: Is the higher risk fund worth it?
Not necessarily. While Fund A offers higher returns, its higher volatility of 12.54 and lower Sharpe ratio of 0.71 make it riskier. Fund B, with a lower volatility of 0.11 and higher Sharpe ratio of 3.82, is a safer bet.
Q3: Which fund is more cost-effective?
Haan, Fund B is more cost-effective with an expense ratio of 0.12% compared to Fund A's 1.52%. Dekho, this makes Fund B a better option for those looking to save on costs.
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