ICICI Prudential Bluechip Fund vs HSBC 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
6.93%
Dekho, aaj humein do mutual funds ke beech kuch tareekh mein compare karne jaa rahe hain - ICICI Prudential Bluechip Fund aur HSBC Mutual Fund Liquid Fund. Fund A ek large cap fund hai, jabki Fund B ek liquid fund hai. Is article mein hum aapko in do fund ke beech kuch kuch mahatvapurn points compare karengay.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HSBC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.13% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.11 |
| Sharpe Ratio | 0.71 | 3.91 |
| 1 Year Return (%) | 24.48% | 6.17% |
| 3 Year Return (%) | 15.44% | 6.93% |
| 5 Year Return (%) | 12.65% | 6.11% |
| Since Launch (%) | 16.42% | 50.63% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B ek low-risk fund hai, lekin yeh aapko long-term wealth creation ke liye nahin offer karta. Fund A, jiska 3Y return 15.44% hai, ek better options hai. Ye fund aapko aapke long-term investment ke liye better returns offer karta hai. Haan, yeh fund aapko higher expense ratio ke saath aata hai, lekin yeh fund aapke long-term wealth creation ke liye better 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Sach ye hai, Fund A SIP ke liye acchi hai. Iska consistency aur return stability thoda accha hai. Fund A ka 1Y return 24.48% hai, jiska 1Y return Fund B ka 6.17% hai. Lekin, Fund B ka return kuch stable hai, jabki Fund A ka return kuch unstable hai. Dekho, SIP ke liye Fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke dauran, Fund B ek better options hai. Yeh fund aapko low risk offer karta hai aur yeh fund aapko kisi bhi market volatility se bachata hai. Fund A, jiska riskometer "very high" hai, ek higher risk offer karta hai. Haan, yeh fund aapko long-term wealth creation ke liye better hai, lekin yeh fund aapko higher volatility se bachata hai.
📊 Portfolio Diversification
Asset allocation ke dauran, Fund A ek better options hai. Yeh fund aapko ek diversified portfolio offer karta hai aur yeh fund aapko long-term wealth creation ke liye better hai. Fund B, jiska asset allocation T-Bills, CD, CP aur cash mein hai, ek less diversified portfolio offer karta hai. Haan, yeh fund aapko consistent returns offer karta hai, lekin yeh fund aapko long-term wealth creation ke liye better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
HSBC 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?
Fund A hai, jiska 5Y return 12.65% hai. Yeh fund aapko long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Nahin, yeh riskometer "very high" hai, aur Sharpe ratio 0.71 hai. Yeh fund aapko kisi bhi market volatility se bachata hai, lekin yeh fund aapko higher volatility se bachata hai.
Q3: Which fund is more cost-effective?
Fund B hai, jiska expense ratio 0.13% hai. Yeh fund aapko consistent returns offer karta hai aur yeh fund aapko kisi bhi market volatility se bachata 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