ICICI Prudential Bluechip Fund vs PPFAS 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%
Kya aapko pata hai ki aapko apne investment ke liye sabse achhe fund kaun hai? Haan, dekho, hum aapko Fund A aur Fund B ka comparison karne ja rhe hai. Fund A ICICI Prudential Bluechip Fund hai, jiska category Large Cap hai, jabki Fund B PPFAS Mutual Fund Liquid Fund hai, jiska category Liquid Fund hai. Chaliye, aaj hum dono fund ki comparison karte hain aur dekhte hain ki aapko kya suit karta hai.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | PPFAS Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 4.41 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ke liye investment karna chahte hain, toh hum aapko Fund A ko prefer karna sujhate hain. Iska 3Y return 15.44% hai, lekin expense ratio bhi thoda jyada hai, jiska 1.52% hai. Lekin Fund B ka expense ratio bahut kam hai, jiska 0.12% hai, lekin return bhi kam hai. Haan, ismein sector risk bhi hai, lekin ismein riskometer Low hai, jisse aapko thoda aasaan lagta hai. Sach ye hai, Fund A long-term wealth creation ke liye accha fund 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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Agar aap monthly SIP ke liye investment karna chahte hain, toh hum aapko Fund B ko prefer karna sujhate hain. Iska 3Y return 6.93% hai, jo Fund A ke 3Y return 15.44% se kuch kam hai, lekin expense ratio bahut kam hai, jiska 0.12% hai. Lekin Fund A ka return bahut accha hai, lekin expense ratio bhi thoda jyada hai. Haan, ismein consistency aur return stability bhi hai, lekin Fund B ka riskometer Low hai, jisse aapko thoda aasaan lagta hai. Sach ye hai, Fund B SIP ke liye accha fund hai.
⚠️ Risk & Cost Analysis
Agar aap riskometer, volatility, Sharpe ratio, aur expense ratio ke liye dekhte hain, toh hum aapko Fund B ko prefer karna sujhate hain. Iska riskometer Low hai, jiska 0.12 volatility hai, aur Sharpe ratio 3.58 hai. Lekin Fund A ka riskometer Very High hai, jiska 12.54 volatility hai, aur Sharpe ratio 0.71 hai. Haan, ismein expense ratio bhi bahut kam hai, jiska 0.12% hai. Sach ye hai, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Agar aap asset allocation aur top holdings concentration ke liye dekhte hain, toh hum aapko Fund B ko prefer karna sujhate hain. Iska asset allocation T-Bills, CD, CP, aur cash mein hai, jismein T-Bills ka 65% hai. Lekin Fund A ka asset allocation equity mein hai, jismein 96% hai. Haan, ismein top holdings concentration bhi bahut kam hai, jismein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Sach ye hai, Fund B portfolio diversification ke liye accha fund hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
PPFAS 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?
Haan, Fund A ka 5Y return 12.65% hai, jo Fund B ka 5Y return 6.11% se kuch accha hai. Lekin Fund B ka expense ratio bahut kam hai, jiska 0.12% hai, lekin return bhi kam hai. Sach ye hai, Fund A long-term wealth creation ke liye accha fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer Very High hai, jiska 12.54 volatility hai, aur Sharpe ratio 0.71 hai. Lekin Fund B ka riskometer Low hai, jiska 0.12 volatility hai, aur Sharpe ratio 3.58 hai. Haan, ismein expense ratio bhi bahut kam hai, jiska 0.12% hai. Sach ye hai, Fund B better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Haan, Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 1.52% se kuch kam hai. Haan, ismein exit load bhi nahi hai. Sach ye hai, 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