ICICI Prudential Bluechip Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.97%
Yeh duur hai Fund A aur Fund B ke beech ki pehchaniya. Fund A ICICI Prudential Bluechip Fund hai, jo Large Cap category mein hai. Fund B JM Financial Liquid Fund hai, Liquid Fund category mein. Aapko is article mein hum Fund A aur Fund B ki tulna karne ke liye aapke saamne rakhege.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | JM Financial |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 363.19 |
| AUM (₹ Cr) | 5.81 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.12 |
| Sharpe Ratio | 0.71 | 3.92 |
| 1 Year Return (%) | 24.48% | 6.21% |
| 3 Year Return (%) | 15.44% | 6.97% |
| 5 Year Return (%) | 12.65% | 6.16% |
| Since Launch (%) | 16.42% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B JM Financial Liquid Fund sirf 3Y aur 5Y mein 6.97% aur 6.16% ki return diya hai, jabki Fund A 15.44% aur 12.65% ki return diya hai. Lekin Fund B ka expense ratio 0.12% hai, jo Fund A se kam hai. Isliye, Fund A kai cheejon mein sahi hai, lekin aapko apni risk-bearing capacity ke anusaar fund chunna hoga.
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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Yadi aapko SIP mein invest karna hai, to Fund A thoda bhi behtar hai. Fund A ka 3Y return Fund B se dubara hai, aur expense ratio kam hai. Isliye, Fund A SIP ke liye accha fund hai.
⚠️ Risk & Cost Analysis
Riskometer ke anusaar, Fund A bahut high risk hai, jabki Fund B low risk hai. Lekin Sharpe ratio ke anusaar, Fund B thoda bhi behtar hai, kyonki uska volatility low hai. Isliye, Fund B aapke liye accha fund hai, lekin aapko apni risk-bearing capacity ke anusaar fund chunna hoga.
📊 Portfolio Diversification
Fund A ka asset allocation Equity mein 96% hai, jabki Fund B ka asset allocation T-Bills mein 65% hai. Isliye, Fund B ka asset allocation thoda bhi behtar hai, kyonki uska concentration kam hai. Lekin Fund A ka top holdings concentration thoda bhi behtar hai, kyonki uska top 3 holdings mein kam concentration hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@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 ka 5Y return Fund B se dubara hai, jiska 5Y return 6.16% hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund A ka volatility 12.54 hai, jabki Fund B ka volatility 0.12 hai. Isliye, Fund B aapke liye accha fund hai.
Q3: Which fund is more cost‑effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jo Fund A se kam 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