ICICI Prudential Bluechip Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.85%
Ek baar phir dekho Fund A aur Fund B ke beech ka comparison. Fund A ICICI Prudential Bluechip Fund Direct Plan Growth hai, jiski category Large Cap hai. Fund B Aditya Birla Sun Life Liquid Fund Direct Plan Growth hai, jiski category Liquid Fund hai. Is article mein hum Fund A aur Fund B ke beech ka comparison karte hain.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Aditya Birla Sun Life |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 443.77 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.13 |
| Sharpe Ratio | 0.71 | 2.69 |
| 1 Year Return (%) | 24.48% | 6.09% |
| 3 Year Return (%) | 15.44% | 6.85% |
| 5 Year Return (%) | 12.65% | 6.05% |
| Since Launch (%) | 16.42% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Mahesh Patil (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% | 279% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ke liye fund khaana chahte hain, to Fund A hi aapka best option hai. Fund A ka 3Y return 15.44% hai, jiska comparison Fund B ka 3Y return 6.85% se karna hoga. Sath hi Fund A ka expense ratio 0.52% hai, jo Fund B ka expense ratio 0.12% se kam hoga. Isliye, Fund A ki riskometer Very High hai, lekin iska 3Y return bahut hi accha hai, isliye hum Fund A ki suggestion karte hain.
Why consider ICICI Prudential Bluechip Fund?
- Expense ratio: 0.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Agar aap ek monthly SIP ke liye Fund B chunna chahte hain, to yeh aapka best option hai. Fund B ka 3Y return thoda kam hai, lekin yeh ek liquid fund hai, jo aapke paisa ko saavdhani se rakhne mein madad karta hai. Fund A ka 3Y return bahut hi accha hai, lekin yeh ek large cap fund hai, jo jyada risk lene ke liye taiyaar hai. Isliye, Fund B ke liye SIP karna aapke liye accha option hai.
⚠️ Risk & Cost Analysis
Agar aap fund ki risk aur cost ka analysis karte hain, to Fund B aapke liye accha option hai. Fund B ka riskometer Low hai, jiska comparison Fund A ka riskometer Very High hai. Sharpe ratio ka dhyaan rakhna bahut zaroori hai, jiski jagah Fund B ka Sharpe ratio 2.69 hai, jo Fund A ka Sharpe ratio 0.71 se jyada accha hai. Isliye, Fund B ki risk aur cost se aapka koi shikayat nahin hoga.
📊 Portfolio Diversification
Agar aap fund ki portfolio diversification ka dhyaan rakhna chahte hain, to Fund B aapke liye accha option hai. Fund B ka asset allocation T-Bills, CD, CP, aur cash mein hai, jiska comparison Fund A ka asset allocation equity mein hai. Top holdings concentration ke liye Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai, jo Fund A ka top 3 holdings HDFC Bank Ltd, ICICI Bank Ltd, aur Reliance Industries Ltd hai. Isliye, Fund B ka portfolio diversification accha hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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 A ki 5Y return 12.65% hai, jo Fund B ki 5Y return 6.05% se jyada accha hai. Isliye, Fund A aapke liye long-term wealth creation ke liye accha option hai.
Q2: Is the higher risk fund worth it?
Fund A ka volatility 12.52 hai, jo Fund B ka volatility 0.13 se jyada jyaada hai. Lekin Fund A ka Sharpe ratio 0.71 hai, jo Fund B ka Sharpe ratio 2.69 se kam hai. Isliye, Fund A ki higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.52% se kam hai. Isliye, Fund B aapke liye more cost-effective option 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