ICICI Prudential Bluechip Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.96%
Chaliye dekho, aaj hum do fundon ka comparison karne ja rhe hain. Fund A ICICI Prudential Bluechip Fund hai, jo Large Cap category mein aata hai, jabki Fund B Nippon India Liquid Fund hai, jo Liquid category mein aata hai. Aaj hum jaanege ki ye dono fund invest kaise hain, aur kis fund mein paisa dala jayeega.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Nippon India |
| Category | Large Cap | Liquid |
| NAV (₹) | 83.91 | 6813.87 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.2% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.12 |
| Sharpe Ratio | 0.71 | 3.83 |
| 1 Year Return (%) | 24.48% | 6.21% |
| 3 Year Return (%) | 15.44% | 6.96% |
| 5 Year Return (%) | 12.65% | 6.14% |
| Since Launch (%) | 16.42% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 28% | 260% |
🤖 AI Verdict – Which is Better?
Haan, aaj hum jaanege ki kis fund mein paisa dala jayeega. Dekho, Fund A ka 3Y return 15.44% hai, jo Fund B ka 3Y return (6.96%) se bahut zyada hai. Lekin, expense ratio ka sawal hai. Fund A ka expense ratio 1.52% hai, jo Fund B ka 0.2% se bahut zyada hai. Isliye, hum kahaenge ki Fund B better 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
Sach ye hai, SIP (Systematic Investment Plan) ke liye Fund B adhik suitable hai. Yeh fund monthly SIP ke liye bahut consistent return dete hai, aur ismein risk bhi kam hai. Fund A ka 3Y return Fund B se bahut zyada hai, lekin monthly SIP ke liye Fund B ka stability aur consistency adhik achha hai.
⚠️ Risk & Cost Analysis
Ab hum aapko riskometer, volatility, Sharpe ratio aur expense ratio ke beech alagata mein samjhayenge. Fund B ki riskometer low hai, jabki Fund A ki riskometer very high hai. Volatility ke anusaar, Fund B best hai, jiska volatility 0.12 hai. Sach ye hai, Fund B better risk-adjusted return offer karta hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Aapne dekha hai ki Fund A ka asset allocation Equity mein 96.00% hai, aur T-Bills mein 4.00% hai. Isse aapko lagta hai ki Fund A ka portfolio adhik concentrated hai. Lekin, Fund B ka asset allocation CP, CD, T-Bills, aur SDL mein 96.23% hai, jo Fund A ka asset allocation se bahut zyada hai. Isliye, Fund B ka portfolio adhik diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@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?
Answer: Fund A ka 5Y return 12.65% hai, jo Fund B ka 5Y return (6.14%) se bahut zyada hai. Isliye, Fund A long run mein better return dete hai.
Q2: Is the higher risk fund worth it?
Answer: Nahi, Fund A ka riskometer Very High hai, aur volatility 12.54 hai. Isse aapko lagta hai ki Fund A ka risk adhik hai. Fund B ka riskometer Low hai, aur volatility 0.12 hai. Isliye, Fund B worth hai.
Q3: Which fund is more cost-effective?
Answer: Fund B ka expense ratio 0.2% hai, jo Fund A ka expense ratio (1.52%) se bahut zyada hai. Isliye, Fund B 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