ICICI Prudential Bluechip Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.92%
Ek baar phir hum aaye hain fund comparison ke saath. Aaj hum do fundon ke beech ka comparison karne jaa rahe hain - ICICI Prudential Bluechip Fund aur Baroda BNP Paribas Liquid Fund. Ye dono fund Niveshakon ke liye alag-alag vicharon se lekar aaye hain. Fund A ek Large Cap fund hai, jabki Fund B ek Liquid Fund hai. Dekho aapko yeh fund kis tarah se aapke nivesh ke liye upyukt hain.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Baroda BNP Paribas |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 3208.35 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.11 |
| Sharpe Ratio | 0.71 | 3.82 |
| 1 Year Return (%) | 24.48% | 6.16% |
| 3 Year Return (%) | 15.44% | 6.92% |
| 5 Year Return (%) | 12.65% | 6.14% |
| Since Launch (%) | 16.42% | 6.88% |
| 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) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki Fund A (ICICI Prudential Bluechip Fund) long-term wealth creation ke liye better hai. Iska 3Y return 15.44% hai, jo ki Fund B (Baroda BNP Paribas Liquid Fund) se bada hai. Lekin expense ratio ke mukabla Fund B thoda upyukt hai. Riskometer ke mukabla bhi Fund B kam jor ka hai. Haan, Fund A ka 3Y return bada hai, lekin risk bhi jyada hai. Isliye, long-term wealth creation ke liye Fund A better hai.
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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye Fund B (Baroda BNP Paribas Liquid Fund) better hai. Iska reason hai ki Fund B ek Liquid Fund hai, jo ki ek stable return deti hai. Iske alawa, Fund B ka expense ratio bhi kam hai. Lekin, agar aap 10+ saal ke liye SIP invest karne jaa rahe hain, to Fund A bhi ek achha option hai.
⚠️ Risk & Cost Analysis
Riskometer ke mukabla Fund B kam jor ka hai, lekin volatility ke mukabla Fund A jyada jor ka hai. Sharpe ratio ke mukabla bhi Fund B upyukt hai. Lekin expense ratio ke mukabala Fund B upyukt hai. Isliye, risk-adjusted returns ke mukabala Fund B better hai.
📊 Portfolio Diversification
Fund A ka asset allocation equity mein 96% hai, jabki Fund B ka asset allocation T-Bills mein 65% hai. Fund A ka top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Fund B ka top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Isliye, Fund B ka asset allocation aur top holdings concentration mein Fund A se upyukt hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@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?
Fund A (ICICI Prudential Bluechip Fund) ka 5Y return 12.65% hai, jo ki Fund B (Baroda BNP Paribas Liquid Fund) se bada hai.
Q2: Is the higher risk fund worth it?
Volatility ke mukabla Fund A jyada jor ka hai, lekin Sharpe ratio ke mukabala Fund B upyukt hai. Isliye, risk-adjusted returns ke mukabala Fund B better hai.
Q3: Which fund is more cost-effective?
Fund B (Baroda BNP Paribas Liquid Fund) ka expense ratio 0.12% hai, jo ki Fund A (ICICI Prudential Bluechip Fund) se kam 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