ICICI Prudential Bluechip Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.55%
Khareedo dekho, humein do funds milte hain - ICICI Prudential Bluechip Fund aur Motilal Oswal Liquid Fund. Ye do alag-alag categories ka fund hain, jismein ek large cap fund hai aur dusra liquid fund. Yahaan humein in dono funds ki comparison karni hai, aur aapko batayenge ki kis fund mein investment karna accha hai.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Motilal Oswal |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 14.67 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.12 |
| Sharpe Ratio | 0.71 | 0.42 |
| 1 Year Return (%) | 24.48% | 5.84% |
| 3 Year Return (%) | 15.44% | 6.55% |
| 5 Year Return (%) | 12.65% | 5.76% |
| Since Launch (%) | 16.42% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Niket Shah (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% | 261% |
🤖 AI Verdict – Which is Better?
Haan, aapko yahaan batayenge ki kis fund mein investment karna accha hai. Dekho, ye fund aapke long-term wealth creation ke liye hai. Fund A ka 3Y return 15.44% hai, jabki Fund B ka 3Y return 6.55% hai. Lekin expense ratio ka mudda hai, aur ismein Fund B accha hai. Isliye, hum Fund A ko aapke long-term wealth creation ke liye better fund samjhate hain.
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 Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
SIP karna aapke investment mein stability aur return stability pradaan karta hai. Ye sabhi 10+ years ke liye hai. Dekho, Fund A ka 1Y return 24.48% hai, jabki Fund B ka 1Y return 5.84% hai. Lekin long-term return mein Fund A ka 5Y return 12.65% hai, jabki Fund B ka 5Y return 5.76% hai. Isliye, Fund A SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Yahaan riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison hai. Dekho, Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Lekin volatility ka mudda hai, aur ismein Fund A ka volatility 12.54 hai, jabki Fund B ka volatility 0.12 hai. Isliye, Fund B risk ki jaankar better fund hai.
📊 Portfolio Diversification
Yahaan asset allocation aur top holdings concentration ka comparison hai. Dekho, Fund A ka equity 96.00% hai, jabki Fund B ka T-Bills 65.00% hai. Lekin top holdings concentration ka mudda hai, aur ismein Fund A ka top holdings concentration 15.7% hai, jabki Fund B ka 21.5% hai. Isliye, Fund B portfolio diversification ke liye better fund hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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 5.76% hai. Isliye, Fund A long run mein better returns pradaan karta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer Very High hai, lekin volatility ka mudda hai. Fund A ka volatility 12.54 hai, jabki Fund B ka volatility 0.12 hai. Isliye, Fund A risk ki jaankar nahi hoga.
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. Isliye, Fund B cost-effectiveness ke liye better fund 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