ICICI Prudential Bluechip Fund vs UTI 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, hum aaj do mutual funds ke beech ka comparison karne ja rahe hain. Fund A, ICICI Prudential Bluechip Fund, ek Large Cap fund hai, jabki Fund B, UTI Mutual Fund Liquid Fund, ek Liquid Fund hai. Aap jante hain ki aapko kis fund mein investment karna hai aur kyun. Aaj hum aapko iske beech ka comparison karke aapko batayenge ki kis fund mein long-term wealth creation ke liye investment karna chahiye.
| Parameter | AICICI Prudential Bluechip Fund - Regular Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | UTI Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 1.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.54 | 0.11 |
| Sharpe Ratio | 0.71 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Haan, ek clear verdict - Fund B hai better option. Kyunki 3Y return mein Fund B ne 6.93% kiya hai, jabki Fund A ne 15.44% kiya hai. Lekin expense ratio mein Fund B kam hai, 0.12% par. Aur riskometer mein bhi Fund B kam hai, Low par. Isliye, long-term mein 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Chaliye dekho, SIP ke liye Fund B, UTI Mutual Fund Liquid Fund, better hai. Iska 3Y return consistent hai aur expense ratio kam hai. Fund A ka 3Y return jyada hai lekin expense ratio jyada hai. Isliye, SIP ke liye Fund B aapke liye better fund hai.
⚠️ Risk & Cost Analysis
Haan, riskometer, volatility, Sharpe ratio, aur expense ratio ke liye Fund B, UTI Mutual Fund Liquid Fund, better hai. Iska riskometer Low hai, jo Fund A ke Very High se alag hai. Volatility 0.11 hai, jo Fund A ke 12.54 se kam hai. Sharpe ratio 3.91 hai, jo Fund A ke 0.71 se jyada hai. Expense ratio 0.12% hai, jo Fund A ke 1.52% se kam hai. Isliye, Fund B aapke liye better fund hai.
📊 Portfolio Diversification
Asset allocation mein Fund A ka 96.00% equity hai, jabki Fund B ka 65.00% T-Bills hai. Top holdings concentration mein bhi Fund A ka 8.5% HDFC Bank Ltd. hai, jabki Fund B ka 8.5% State Bank of India CD hai. Isliye, Fund B ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
UTI 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 ki Fund B ka 5Y return 6.11% hai, jabki Fund A ka 5Y return 12.65% hai. Isliye, long run mein Fund A better hai.
Q2: Is the higher risk fund worth it?
Haan, yadi aap long-term mein return chaho, toh Fund A worth hai. Lekin, volatility mein Fund A kam hai. Sharpe ratio mein bhi Fund A kam hai. Isliye, aapko carefully decide karna hoga.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.12% hai, jabki Fund A ka 1.52% 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