ICICI Prudential Bluechip Fund vs Tata 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%
Chaliye dekho, aaj hum do different funds se judiye. Fund A hai ICICI Prudential Bluechip Fund, jo Large Cap category mein hai, aur Fund B hai Tata Mutual Fund Liquid Fund, jo Liquid Fund category mein hai. Ye dwaaraa humein pata chalega ki kis fund mein lagaadhak return miltay hain. Is liye, hum dwaaraa Fund A aur Fund B ka vishleshan karne wala hain.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Tata Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.50 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Haan, to our verdict hai ki Fund A better hai long-term wealth creation ke liye. Iska reason hai ki yeh 3-year return mein 15.44% ki return deta hai, jo Fund B se zyada hai. Aapko pata hai ki Fund A ka expense ratio 1.52% hai, jo Fund B ka expense ratio 0.12% se adhik hai. Lekin, Fund A ka riskometer Very High hai, jo Fund B ka riskometer Low hai. To, Fund A ka risk-adjusted return kuchh zyada hai, lekin aapko iski zaroorat hai ki aapko Fund A ka risk le sakte 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP ke liye Fund B zyada suitable hai. Iska reason hai ki Fund B ka return stability kuchh zyada hai. Fund B ka 1-year return 6.17% hai, jo Fund A ka 1-year return 24.48% se kam hai. Lekin, Fund B ka return stability Fund A ke 3-year return 15.44% se zyada hai. To, Fund B ka SIP karna aapako zyada suitable hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio yahaan compare karte hain. Fund A ka riskometer Very High hai, jiska matlab hai ki isme jaldi lagataar return aata hai. Fund B ka riskometer Low hai, jiska matlab hai ki isme jaldi lagataar return nahi aata hai. Fund A ka volatility 12.54 hai, jiska matlab hai ki isme jaldi lagataar return aata hai. Fund B ka volatility 0.13 hai, jiska matlab hai ki isme jaldi lagataar return nahi aata hai. Fund A ka Sharpe ratio 0.71 hai, jiska matlab hai ki isme jaldi lagataar return aata hai. Fund B ka Sharpe ratio 3.31 hai, jiska matlab hai ki isme jaldi lagataar return nahi aata hai. To, fund B aapke liye behtar hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka vishleshan karke, pata chalta hai ki Fund A zyada diversified hai. Fund A ka asset allocation 96% Equity aur 4% T-Bills hai. Fund A ka top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. Fund B ka asset allocation 65% T-Bills, 20% CD, 10% CP, aur 5% Cash hai. Fund B ka top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. To, Fund A ka portfolio lekin zyada diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Tata 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?
Sach ye hai, Fund B ka 5Y return 6.11% hai, jiska matlab hai ki isme jaldi lagataar return nahi aata hai. Lekin Fund A ka 5Y return 12.65% hai, jiska matlab hai ki isme jaldi lagataar return aata hai. To, Fund A aapke liye behtar hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund A ka riskometer Very High hai, jiska matlab hai ki isme jaldi lagataar return aata hai. Fund B ka riskometer Low hai, jiska matlab hai ki isme jaldi lagataar return nahi aata hai. Fund A ka volatility 12.54 hai, jiska matlab hai ki isme jaldi lagataar return aata hai. Fund B ka volatility 0.13 hai, jiska matlab hai ki isme jaldi lagataar return nahi aata hai. To, Fund B aapke liye behtar hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 1.52% se kam hai. To, Fund B aapke liye behtar 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