ICICI Prudential Bluechip Fund vs DSP 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
6.77%
Agar aap Large Cap aur Liquid Fund me se koi ek chunna hain, to aapko yeh janana bahut zaroori hoga. Chaliye, hum Fund A (ICICI Prudential Bluechip Fund) aur Fund B (DSP Mutual Fund Liquid Fund) ki pehchan aur aapko kya janakar aayega iske baare mein.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | DSP Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 89.77 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.12 |
| Sharpe Ratio | 0.71 | 2.25 |
| 1 Year Return (%) | 24.48% | 2.95% |
| 3 Year Return (%) | 15.44% | 6.77% |
| 5 Year Return (%) | 12.65% | 5.92% |
| Since Launch (%) | 16.42% | 6.91% |
| 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) | Atul Bhole (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% | 243% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A (ICICI Prudential Bluechip Fund) 5 saal ke return mein 12.65% hai, jabki Fund B (DSP Mutual Fund Liquid Fund) mein 5 saal ke return mein 5.92% hai. Dekho, expense ratio mein bhi Fund A 1.52% hai, lekin Fund B mein 0.12% hai. Haan, Fund A ko riskometer Very High hai, jabki Fund B Low hai. Lekin, 3 saal ke return aur expense ratio ke liye, Fund A hi kafi accha lagta 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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
Jab aap monthly SIP ke liye 10+ saal ke liye chunna hain, to Fund B (DSP Mutual Fund Liquid Fund) aapke liye behtar hoga. Yeh fund 1 saal ka return mein 2.95% hai, jisse aapka paisa thoda sa kam karega. Haan, lekin yeh fund bahut kam risk hai aur aapka paisa safed rakhne mein madad karega. Fund A mein 1 saal ka return mein 24.48% hai, lekin yeh fund Very High riskometer hai, jisse aapka paisa thoda sa jyada karega. Dekho, Fund B ka return kabhi nahi 20% se zyada hua hai, lekin Fund A ka return kabhi 20% se zyada hua hai.
⚠️ Risk & Cost Analysis
Risk & Cost Analysis ke matter mein, hum Fund A aur Fund B dono hi dekhenge. Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Sath hi, Fund A ka volatility Fund B ka volatility se jyada hai. Lekin, Fund B ka Sharpe ratio Fund A ka Sharpe ratio se jyada hai. Isliye, humein lagta hai ki Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Portfolio diversification ke matter mein, Fund A aur Fund B dono hi dekhenge. Fund A ka asset allocation equity mein 96% hai, jabki Fund B ka asset allocation T-Bills mein 65% hai. Sath hi, Fund A ka top holdings concentration Fund B ke top holdings concentration se jyada hai. Lekin, Fund B ka portfolio sector risk Fund A ka portfolio sector risk se kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@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?
Fund A (ICICI Prudential Bluechip Fund) 5 saal ke return mein 12.65% hai, jabki Fund B (DSP Mutual Fund Liquid Fund) mein 5 saal ke return mein 5.92% hai. Haan, lekin Fund A ka expense ratio 1.52% hai, jo Fund B ki 0.12% se kam hai.
Q2: Is the higher risk fund worth it?
Fund A (ICICI Prudential Bluechip Fund) ko riskometer Very High hai, lekin sharpe ratio 0.71 hai. Haan, lekin Fund B (DSP Mutual Fund Liquid Fund) ko riskometer Low hai, lekin sharpe ratio 2.25 hai. Dekho, Fund A ki volatility 12.54 hai, jisse aapka paisa thoda sa jyada karega. Haan, lekin Fund A ki expense ratio 1.52% hai, jo Fund B ki 0.12% se kam hai.
Q3: Which fund is more cost-effective?
Fund B (DSP Mutual Fund Liquid Fund) ki expense ratio 0.12% hai, jisse yeh fund aapke liye behtar hai. Haan, lekin Fund A (ICICI Prudential Bluechip Fund) ka expense ratio 1.52% hai, jo Fund B ki 0.12% se kam hai. Dekho, Fund B ki AUM 33048 Cr hai, jisse yeh fund bahut bada hai. Haan, lekin Fund A ki AUM 58145.22 Cr hai, jo Fund B ki AUM se jyada 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