ICICI Prudential Bluechip Fund vs DSP 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
6.77%
Chaliye dekho, tumhara paisa kahan lag raha hai? Ab hum do mutual funds ke beech ka comparison kar rahe hain. Fund A Large Cap hai, Fund B Liquid Fund. Fund A mein long-term investment ke liye bahut hi accha hai, lekin Fund B mein short-term investment ke liye accha hai. Aaj hum dono funds ke beech ka comparison karke dekhein.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | DSP Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 89.77 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.12 |
| Sharpe Ratio | 0.71 | 2.25 |
| 1 Year Return (%) | 24.48% | 2.95% |
| 3 Year Return (%) | 15.44% | 6.77% |
| 5 Year Return (%) | 12.65% | 5.92% |
| Since Launch (%) | 16.42% | 6.91% |
| 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) | Atul Bhole (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% | 243% |
🤖 AI Verdict – Which is Better?
Haan, humne dekha hai ki Fund A Large Cap hai aur iska 3Y return 15.44% hai, expense ratio 0.52% hai, aur riskometer very high hai. Fund B Liquid Fund hai aur iska 3Y return 6.77% hai, expense ratio 0.12% hai, aur riskometer low hai. Sach ye hai, Fund A long-term wealth creation ke liye accha 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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
Lekin SIP ke liye kya karein? Dekho, Fund B ka 1Y return 2.95% hai, aur Fund A ka 1Y return 24.48% hai. Lekin SIP ke liye long-term return stability aur consistency kaafi zaroori hai. Fund A mein 96% equity hai, aur Fund B mein 65% T-Bills hai. Isliye, Fund A SIP ke liye accha hai.
⚠️ Risk & Cost Analysis
Volatility aur Sharpe ratio ka bhavishya mein kya hota hai? Dekho, Fund A ka volatility 12.52 hai, aur Fund B ka volatility 0.12 hai. Sharpe ratio Fund A ka 0.71 hai, aur Fund B ka 2.25 hai. Expense ratio Fund A ka 0.52% hai, aur Fund B ka 0.12% hai. Isliye, Fund B risk-adjusted return mein better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka kya hai? Dekho, Fund A mein equity 96% hai, aur T-Bills 4% hai. Fund B mein T-Bills 65% hai, aur CD 20% hai. Top holdings Fund A mein HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) hai. Fund B mein State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Isliye, Fund B asset allocation aur top holdings concentration mein accha hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@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 ka 5Y return 12.65% hai, jiska 3Y return 15.44% hai. Isliye, long-run mein Fund A better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer very high hai, lekin volatility 12.52 hai, aur Sharpe ratio 0.71 hai. Isliye, Fund A mein jaa kar risk-adjusted returns ki zaroorat hai.
Q3: Which fund is more cost-effective?
Expenses ratio se dekho, Fund B ka expense ratio 0.12% hai, aur Fund A ka 0.52% 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