ICICI Prudential Bluechip Fund vs Navi 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%
Agar aapko investment ke liye Large Cap aur Liquid Fund ke beech me confusion ho rahi hai, to aapke paas achhi news hai! Aaj hum aapko Fund A, ICICI Prudential Bluechip Fund, aur Fund B, Navi Mutual Fund Liquid Fund, ke beech ki comparison karne ja rahen hain. Dekho, kya aapko ye dono funds ki comparison se acha investment option milta hai.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Navi Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.13 |
| Sharpe Ratio | 0.71 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ke liye Fund A aur Fund B ka comparison karte hain, to Fund A ka 3Y return 15.44% hai, jiska matlab hai ki ye fund 3 saal ke andar se thoda accha return de raha hai. Lekin lekin, expense ratio ke hisaab se Fund B bahut kam mahanga hai, jiski expense ratio 0.12% hai. Riskometer ke hisaab se bhi Fund B bahut kam risk wala fund hai. Haan, Fund A ka riskometer Very High hai, lekin Sharpe ratio ke hisaab se Fund B accha hai. Sach ye hai, Fund B ka Sharpe ratio 3.31 hai, jiska matlab hai ki ye fund investment ke liye accha option 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, jo fund accha hai, uska consistency aur return stability ka dhyan rakhna hoga. Fund A ka 3Y return 15.44% hai, jiska matlab hai ki ye fund 3 saal ke andar se thoda accha return de raha hai, lekin Fund B ka 3Y return 6.93% hai, jiska matlab hai ki ye fund kam return de raha hai. Lekin lekin, Fund B ka expense ratio bahut kam hai, jiska matlab hai ki ye fund investment ke liye accha option hai.
⚠️ Risk & Cost Analysis
Agar aap riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karte hain, to Fund B accha hai. Fund B ka riskometer Low hai, jiska matlab hai ki ye fund kam risk wala hai. Volatility ke hisaab se bhi Fund B accha hai, jiska matlab hai ki ye fund investment ke liye accha option hai. Sharpe ratio ke hisaab se bhi Fund B accha hai, jiska matlab hai ki ye fund investment ke liye accha option hai. Expense ratio ke hisaab se bhi Fund B accha hai, jiska matlab hai ki ye fund investment ke liye accha option hai.
📊 Portfolio Diversification
Agar aap asset allocation aur top holdings concentration ka comparison karte hain, to Fund A ka asset allocation Equity 96.00% hai, jiska matlab hai ki ye fund bahut hi kam diversified hai. Top holdings concentration ke hisaab se bhi Fund A bahut hi kam diversified hai, jiska matlab hai ki ye fund sector risk ke hisaab se bahut hi kam safe hai. Fund B ka asset allocation T-Bills 65.00%, jiska matlab hai ki ye fund kam diversified hai, lekin top holdings concentration ke hisaab se Fund B bahut hi kam diversified hai, jiska matlab hai ki ye fund sector risk ke hisaab se bahut hi kam safe hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Navi 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 ka 5Y return 12.65% hai, jiska matlab hai ki ye fund long run me accha return de raha hai, lekin Fund B ka 5Y return 6.11% hai, jiska matlab hai ki ye fund long run me kam return de raha hai.
Q2: Is the higher risk fund worth it?
Fund A ka riskometer Very High hai, lekin Fund B ka Sharpe ratio 3.31 hai, jiska matlab hai ki ye fund investment ke liye accha option hai. Lekin lekin, volatility ke hisaab se Fund B accha hai, jiska matlab hai ki ye fund investment ke liye accha option hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jiska matlab hai ki ye fund investment ke liye accha option hai. Lekin lekin, Fund A ka 3Y return 15.44% hai, jiska matlab hai ki ye fund 3 saal ke andar se thoda accha return de raha 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