ICICI Prudential Bluechip Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
16.22%
Dekho, today hum discuss karenge do fundon ki comparison, ICICI Prudential Bluechip Fund aur HDFC ELSS Tax Saver Fund. Ye donon fund Large Cap aur ELSS categories mein aate hain. Aapko yahaan pata chalega ki aapke paise ki suraksha aur vittiya badhti ke liye kis fund ka chayan karna hai.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HDFC Mutual Fund |
| Category | Large Cap | ELSS |
| NAV (₹) | 83.91 | 1325.00 |
| AUM (₹ Cr) | 5.81 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.52% | 1.24% |
| Riskometer | Very High | Very High |
| Volatility | 12.52 | 13.3 |
| Sharpe Ratio | 0.71 | 0.73 |
| 1 Year Return (%) | 24.48% | -5.24% |
| 3 Year Return (%) | 15.44% | 16.22% |
| 5 Year Return (%) | 12.65% | 16.62% |
| Since Launch (%) | 16.42% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 28% | 32% |
🤖 AI Verdict – Which is Better?
Haan, yeh to thoda mushkil hai, lekin dekho, our verdict hai ki HDFC ELSS Tax Saver Fund aapke liye better hai. Ye fund 3Y return mein 16.22% ka return deta hai, jiska aapko naya pata hoga. Expense ratio ka baap-beta, yeh bhi kam hai, 1.24% hai. Aur jab riskometer ka baap-bata hai, tab bhi dono fund Very High riskometer par aate 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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP Suitability check karne ke liye hum 10+ years ke liye monthly SIP ka chayan karenge. Dekho, HDFC ELSS Tax Saver Fund consistent return deta hai, lekin ICICI Prudential Bluechip Fund ki 1Y return kam hai. Isliye, SIP mein HDFC ELSS Tax Saver Fund ka chayan karna aapke liye better hoga.
⚠️ Risk & Cost Analysis
Ab dekho, riskometer aur volatility ka baap-beta. ICICI Prudential Bluechip Fund ki Volatility 12.52 hai, jiska aapko naya pata hoga. Sharpe ratio mein bhi HDFC ELSS Tax Saver Fund kam hai, lekin expense ratio mein dono fund ek-jaisa hain. Isliye, HDFC ELSS Tax Saver Fund aapke liye better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Portfolio diversification check karne ke liye hum asset allocation aur top holdings concentration ka chayan karenge. Dekho, HDFC ELSS Tax Saver Fund ki asset allocation bahut hi kam hai, 96.57% Equity aur 0.33% GOI Sec. Isliye, yeh fund sector risk ke liye kafi vulnerable hai. ICICI Prudential Bluechip Fund ki asset allocation bhi kam hai, lekin top holdings mein HDFC Bank Ltd. aur ICICI Bank Ltd. ka shamil hone se yeh fund kam sector risk mein hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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?
HDFC ELSS Tax Saver Fund aapke liye better fund hai. Iska 5Y return 16.62% hai, jiska aapko naya pata hoga.
Q2: Is the higher risk fund worth it?
Haan, higher risk fund worth hai, lekin ek jaankar ke saath. HDFC ELSS Tax Saver Fund ki Volatility 13.3 hai, jo ICICI Prudential Bluechip Fund ki Volatility se hi kam hai. Sharpe ratio mein bhi yeh fund kam hai, lekin expense ratio mein dono fund ek-jaisa hain.
Q3: Which fund is more cost-effective?
HDFC ELSS Tax Saver Fund aapke liye cost-effective hai. Iska expense ratio 1.24% hai, jo ICICI Prudential Bluechip Fund ka expense ratio 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