ICICI Prudential Bluechip Fund vs Bandhan 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
6.98%
Ab hum apne investors ke liye do fundon ka comparison karne jaa rahe hain - ICICI Prudential Bluechip Fund aur Bandhan Mutual Fund Liquid Fund. Ye do fund alag-alag category mein aate hain - Large Cap aur Liquid Fund. Is article mein, hum aapko iski comparison karke pata lagayenge ki kya fund long-term wealth creation ke liye better hai. Dekho hamne aapko fund ki kya-kya characteristics dekhne ke liye kya hai jo aapko fund chunne mein madad karega.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Bandhan Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 39.33 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.12 |
| Sharpe Ratio | 0.71 | 4 |
| 1 Year Return (%) | 24.48% | 1.41% |
| 3 Year Return (%) | 15.44% | 6.98% |
| 5 Year Return (%) | 12.65% | 5.96% |
| Since Launch (%) | 16.42% | 8.53% |
| 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) | Manish Gunwani (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% | 251% |
🤖 AI Verdict – Which is Better?
Humare hisaab se, Fund A - ICICI Prudential Bluechip Fund - long-term wealth creation ke liye better fund hai. Ye fund 3Y return mein 15.44% ki return dete hain, jo Fund B - Bandhan Mutual Fund Liquid Fund - ke 3Y return se jyada hai. Haan, Fund A ka expense ratio 0.52% hai, jo Fund B ke expense ratio se jyada hai. Lekin long-term wealth creation ke liye, ham aapko Fund A ko prefer karna sujhate 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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, hum aapko Fund B - Bandhan Mutual Fund Liquid Fund - ko prefer karna sujhate hain. Yeh fund monthly SIP ke liye better fund hai kyonki yeh consistent return dete hain aur risk ki shikayat nahin hai. Fund A ka 3Y return 15.44% hai, jo Fund B ka 3Y return se jyada hai. Lekin Fund B ka expense ratio 0.12% hai, jo Fund A ke expense ratio se kam hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se, hum aapko Fund B - Bandhan Mutual Fund Liquid Fund - ko better fund maante hain. Yeh fund low riskometer (Low) aur low volatility (0.12) ke saath aata hai. Sharpe ratio bhi 4 hai, jo Fund A ke Sharpe ratio se jyada hai. Haan, expense ratio bhi 0.12% hai, jo Fund A ke expense ratio se kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, hum aapko Fund A - ICICI Prudential Bluechip Fund - ko more diversified fund maante hain. Yeh fund equity mein 96.00% aur T-Bills mein 4.00% ki asset allocation rakhta hai. Fund B ka asset allocation T-Bills mein 65.00%, CD mein 20.00%, CP mein 10.00%, aur cash mein 5.00% hai. Haan, top holdings concentration bhi Fund A mein HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) ke saath aata hai, jo Fund B mein State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) ke saath aata hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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 A - ICICI Prudential Bluechip Fund - long-term wealth creation ke liye better fund hai. Yeh fund 3Y return mein 15.44% ki return dete hain, jo Fund B - Bandhan Mutual Fund Liquid Fund - ke 3Y return se jyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A - ICICI Prudential Bluechip Fund - high risk ki shikayat nahin hai. Yeh fund volatility (12.52) se jyada hai, lekin Sharpe ratio (0.71) bhi aapko better returns de raha hai.
Q3: Which fund is more cost-effective?
Fund B - Bandhan Mutual Fund Liquid Fund - more cost-effective fund hai. Yeh fund expense ratio (0.12%) se jyada hai aur low volatility (0.12) ke saath aata 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