ICICI Prudential Bluechip Fund vs Kotak Mahindra 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, today humein do funds ke baare mein jaanne ke liye aaye hain - ICICI Prudential Bluechip Fund aur Kotak Mahindra Liquid Fund. Ye donon funds different categories mein aate hain, ICICI Prudential Bluechip Fund Large Cap category mein hai, aur Kotak Mahindra Liquid Fund Liquid Fund category mein. Hum is article mein pahle fund ke 3Y return, expense ratio, aur risk ke baare mein jaanege, aur fayde ke baad hum SIP ke liye is fund ki suitabiity check karenge.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Kotak Mahindra |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.12% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Humare paas Fund A aur Fund B ke 3Y returns hain. Fund A ka 3Y return 15.44% hai, jabki Fund B ka 3Y return 6.93% hai. Expense ratio ke baare mein bhi dekhein. Fund A ka expense ratio 1.52% hai, jabki Fund B ka expense ratio 0.12% hai. Riskometer ke baare mein bhi dekhein. Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Dekho, Fund A ko long-term wealth creation ke liye better fund mana jaa sakta 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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye fund ki suitabiity ko check karte hain. Fund A ka 1Y return 24.48% hai, jabki Fund B ka 1Y return 6.17% hai. Fund B ke 1Y return Fund A ke 1Y return se kam hai, lekin Fund B ka expense ratio bahut kam hai. Fund A ka expense ratio 1.52% hai, jabki Fund B ka expense ratio 0.12% hai. Dekho, Fund B ke expense ratio ke aadhar par SIP ke liye yeh fund suitabil hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke aadhar par risk-adjusted returns ko check karte hain. Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Fund A ka volatility 12.54 hai, jabki Fund B ka volatility 0.11 hai. Sharpe ratio ke baare mein bhi dekhein. Fund A ka Sharpe ratio 0.71 hai, jabki Fund B ka Sharpe ratio 3.91 hai. Dekho, Fund B Fund A ke risk-adjusted returns se better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko check karte hain. Fund A ka asset allocation equity mein 96.00% hai, jabki T-Bills mein 4.00% hai. Fund B ka asset allocation T-Bills mein 65.00% hai, jabki CD, CP, aur cash mein 20.00%, 10.00%, aur 5.00% hai. Dekho, Fund B ka asset allocation Fund A ke asset allocation se jyada diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Kotak Mahindra 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?
Sach ye hai, Fund A ka 5Y return 12.65% hai, jabki Fund B ka 5Y return 6.11% hai. Fund A Fund B ke long-term returns se better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer Very High hai, lekin yeh fund long-term wealth creation ke liye better hai. Fund A ka Sharpe ratio 0.71 hai, jabki Fund B ka Sharpe ratio 3.91 hai. Fund B Fund A ke risk-adjusted returns se better hai.
Q3: Which fund is more cost-effective?
Dekho, Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 1.52% hai. Fund B Fund A ke expense ratio se jyada 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