ICICI Prudential Bluechip Fund vs LIC 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 hum aapko do aise mutual funds ke bare mein batayenge jo aapke investment ke liye theek hain. Fund A, ICICI Prudential Bluechip Fund, ek large cap fund hai, jabki Fund B, LIC Mutual Fund Liquid Fund, ek liquid fund hai. Ye dono fund aapke portfolio mein shamil karne ke liye theek hain, lekin kya woh aapke investment ke liye best option hain? Chaliye, aapko iske bare mein jankari diya jayega.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | LIC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.12 |
| Sharpe Ratio | 0.71 | 3.58 |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, sach ye hai ki Fund A, ICICI Prudential Bluechip Fund, long-term wealth creation ke liye better fund hai. Iska 3Y return 15.44% hai, jo Fund B, LIC Mutual Fund Liquid Fund, ka 3Y return se adhik hai. Iske alawa, Fund A ka expense ratio 1.52% hai, jo Fund B ka expense ratio 0.12% se adhik hai. Lekin, Fund A ka riskometer very high hai, jo Fund B ka riskometer se adhik hai. Isliye, aapko Fund A ka riskometer dhyan mein rakhna 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye Fund B, LIC Mutual Fund Liquid Fund, better fund hai. Iska 1Y aur 3Y return consistent hai, jabki Fund A ka 1Y return adhik hai lekin 3Y return thoda kam hai. Iske alawa, Fund B ka expense ratio fund A ka expense ratio se kam hai, jo SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke liye Fund B, LIC Mutual Fund Liquid Fund, better hai. Iska riskometer low hai, jo Fund A ka riskometer se kam hai. Iske alawa, Fund B ka volatility 0.12 hai, jo Fund A ka volatility 12.54 se kam hai. Sharpe ratio ke liye bhi Fund B better hai, jo 3.58 hai. Iske alawa, Fund B ka expense ratio Fund A ka expense ratio se kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye Fund A, ICICI Prudential Bluechip Fund, better hai. Iska equity asset allocation 96% hai, jo Fund B ka equity asset allocation se adhik hai. Iske alawa, Fund A ka top holdings concentration adhik hai, jo Fund B ka top holdings concentration se kam hai. Iske alawa, Fund A ka asset allocation more diversified hai, jo Fund B ka asset allocation se adhik hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
LIC 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?
Answer: Fund A, ICICI Prudential Bluechip Fund, 5Y return 12.65% hai, jo Fund B, LIC Mutual Fund Liquid Fund, ka 5Y return 6.11% se adhik hai.
Q2: Is the higher risk fund worth it?
Answer: N/A, Fund A ka riskometer very high hai, jo Fund B ka riskometer se adhik hai. Isliye, aapko Fund B ka riskometer dhyan mein rakhna hoga.
Q3: Which fund is more cost-effective?
Answer: Fund B, LIC Mutual Fund Liquid Fund, expense ratio 0.12% hai, jo Fund A, ICICI Prudential Bluechip Fund, ka expense ratio 1.52% 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