ICICI Prudential Bluechip Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
19.98%
Today, hamari discussion hai Fund A - ICICI Prudential Bluechip Fund aur Fund B - SBI ELSS Tax Saver Fund ke beech. Dono fund Large Cap aur ELSS categories mein aate hain. Aaj ki article mein hum dekhege ki dono fund long-term wealth creation ke liye kaise perform karte hain.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | SBI Mutual Fund |
| Category | Large Cap | ELSS |
| NAV (₹) | 83.91 | 462.73 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.93% |
| Riskometer | Very High | Very High |
| Volatility | 12.54 | 15.53 |
| Sharpe Ratio | 0.71 | 0.87 |
| 1 Year Return (%) | 24.48% | -1.1% |
| 3 Year Return (%) | 15.44% | 19.98% |
| 5 Year Return (%) | 12.65% | 17.91% |
| Since Launch (%) | 16.42% | 15.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Milind Agrawal (0.4 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 28% | 37% |
🤖 AI Verdict – Which is Better?
Haan, yeh clear hai ki Fund B - SBI ELSS Tax Saver Fund long-term wealth creation ke liye better hai. Ye fund 3Y return mein 15.44% aur expense ratio mein 0.93% ke saath aata hai, joh Fund A ke 15.44% aur 1.52% se behtar hai. Lekin, yeh dhyan rakhein ki Fund A ka riskometer bhi Very High 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 SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
SIP ke liye Fund B - SBI ELSS Tax Saver Fund better hai. Ye fund 10+ years ke liye consistent return stability ka promise karta hai, joh sip investor ke liye accha hai. Fund A ka consistency bhi accha hai, lekin Fund B ka 0.93% ke expense ratio se behtar hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke mukabla, Fund A ka riskometer Very High hai, lekin volatility mein Fund B 15.53% se behtar hai. Sharpe ratio mein bhi Fund B 0.87% se behtar hai, lekin expense ratio mein Fund A 1.52% se behtar hai. Sach ye hai ki Fund B ka risk-adjusted return better hai.
📊 Portfolio Diversification
Asset allocation ke mukabla, dono fund 96% equity aur 4% T-Bills ke saath aate hain. Lekin, top holdings concentration ke mukabla, Fund A ka HDFC Bank Ltd (8.5%), ICICI Bank Ltd (7.8%), Reliance Industries Ltd (6.9%) se behtar hai. Fund B ka ICICI Bank Ltd (8.95%), Reliance Industries Ltd (5.19%), Kotak Mahindra Bank Ltd (4.9%) se behtar hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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?
Fund B - SBI ELSS Tax Saver Fund 5Y/3Y returns mein 17.91%/19.98% ke saath better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk hai, lekin volatility aur Sharpe ratio ke mukabla, ye fund behtar hai.
Q3: Which fund is more cost-effective?
Fund B - SBI ELSS Tax Saver Fund expense ratio mein 0.93% ke saath more 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