ICICI Prudential Bluechip Fund vs Angel One 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
6.76%
Today, we will be comparing two funds, Fund A: ICICI Prudential Bluechip Fund and Fund B: Angel One Mutual Fund Liquid Fund. Fund A is a Large Cap fund, while Fund B is a Liquid Fund. Dekho, let's see which one is better for long-term wealth creation.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BAngel One Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Angel One Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 2132.04 |
| AUM (₹ Cr) | 5.81 Lac Cr | 4.67 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.11 |
| Sharpe Ratio | 0.71 | 2.36 |
| 1 Year Return (%) | 24.48% | 6.03% |
| 3 Year Return (%) | 15.44% | 6.76% |
| 5 Year Return (%) | 12.65% | 5.95% |
| Since Launch (%) | 16.42% | 6.23% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 13 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | N/A |
| 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% | 221% |
🤖 AI Verdict – Which is Better?
For long-term wealth creation, we need a fund with stable returns and low expense ratio. Fund A has a 3Y return of 15.44%, which is higher than Fund B's 3Y return of 6.76%. Lekin, Fund A's expense ratio is 0.52%, which is slightly higher than Fund B's 0.12%. Haan, considering the risk, we think Fund B is a safer bet for long-term wealth creation due to its lower expense ratio and lower risk.
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 Angel One Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
📈 SIP Suitability
For a monthly SIP of 10+ years, we need a fund that provides consistent returns. Fund B is a Liquid Fund, which is designed for short-term goals. Its returns are relatively stable, with a 1Y return of 6.03%. Fund A, being a Large Cap fund, has higher volatility and risk. Chaliye, for a long-term SIP, Fund B is a better choice due to its stability and lower risk.
⚠️ Risk & Cost Analysis
Risk and cost are crucial factors to consider when choosing a fund. Fund A has a very high riskometer and volatility of 12.52, while Fund B has a low riskometer and volatility of 0.11. Sharpe ratio is another key metric, and Fund B has a Sharpe ratio of 2.36, indicating better risk-adjusted returns. Haan, considering all these factors, Fund B is a better choice for risk-conscious investors.
📊 Portfolio Diversification
Portfolio diversification is essential for minimizing risk. Fund A is heavily invested in equities (96%), while Fund B is invested in a mix of T-Bills (65%), CD (20%), CP (10%), and cash (5%). Dekho, Fund B has a more diversified portfolio, reducing sector risk. However, Fund A's top holdings are HDFC Bank Ltd., ICICI Bank Ltd., and Reliance Industries Ltd., which may pose sector risk.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Angel One Mutual Fund Liquid Fund
₹858899.05
@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?
Sach ye hai, Fund A has a 5Y return of 12.65%, while Fund B has a 5Y return of 5.95%. Fund A's returns are marginally better in the long run.
Q2: Is the higher risk fund worth it?
Haan, if you are willing to take higher risk, Fund A may give better returns. However, its Sharpe ratio is 0.71, which is lower than Fund B's 2.36. So, it's essential to weigh the risks and rewards.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B is more cost-effective with an expense ratio of 0.12% compared to Fund A's 0.52%. So, if you are a cost-conscious investor, Fund B is a better choice.
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