ICICI Prudential Bluechip Fund vs HSBC 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
6.93%
Duniya mein do alag-alag fund hain - ICICI Prudential Bluechip Fund aur HSBC Mutual Fund Liquid Fund. Pehle fund large cap mein hai, jabki dusra fund liquid fund mein hai. Aaj hum yeh dekhenge ki dono fund kis tarah ke returns de rahe hain aur kis fund mein lagatar paisa invest karna chahiye.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HSBC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.13% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.11 |
| Sharpe Ratio | 0.71 | 3.91 |
| 1 Year Return (%) | 24.48% | 6.17% |
| 3 Year Return (%) | 15.44% | 6.93% |
| 5 Year Return (%) | 12.65% | 6.11% |
| Since Launch (%) | 16.42% | 50.63% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Humne dekha hai ki Fund A ka 3Y return 15.44% hai, jo Fund B ke 6.93% se adhik hai. Lekin Fund A ka expense ratio 0.52% hai, jo Fund B ke 0.13% se adhik hai. Isliye, hum yeh verdict de rahe hain ki Fund B zyada acchi fund hai long-term wealth creation ke liye.
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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Agar aap ek monthly SIP ke liye 10+ saal ki planning kar rahe hain, toh hum suggest karte hain ki Fund B aapke liye better hoga. Fund B ka 3Y return thoda kam hai, lekin iska expense ratio bahut kam hai, jisse aapke paisa zyada bachenge.
⚠️ Risk & Cost Analysis
Humne dekha hai ki Fund A ka riskometer Very High hai, jabki Fund B ka Low hai. Iske alawa, Fund A ka volatility 12.52% hai, jo Fund B ka 0.11% se adhik hai. Lekin Fund B ka Sharpe ratio 3.91 hai, jo Fund A ka 0.71 se adhik hai. Isliye, hum yeh samajh sakte hain ki Fund B better risk-adjusted returns de raha hai.
📊 Portfolio Diversification
Humne dekha hai ki Fund A ka asset allocation 96% equity aur 4% T-Bills mein hai. Iske alawa, Fund A ka top holdings concentration HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein hai. Fund B ka asset allocation 65% T-Bills, 20% CD, 10% CP, aur 5% cash mein hai. Isliye, hum yeh samajh sakte hain ki Fund B ka asset allocation zyada diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
HSBC Mutual Fund Liquid Fund
₹867076.87
@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?
Sach ye hai ki Fund A ka 5Y return 12.65% hai, jo Fund B ka 6.11% se kam hai. Lekin Fund B ka 3Y return 6.93% hai, jo Fund A ka 15.44% se kam hai. Isliye, hum yeh samajh sakte hain ki Fund A long run mein better returns de raha hai.
Q2: Is the higher risk fund worth it?
Humne dekha hai ki Fund A ka volatility 12.52% hai, jo Fund B ka 0.11% se adhik hai. Lekin Fund B ka Sharpe ratio 3.91 hai, jo Fund A ka 0.71 se adhik hai. Isliye, hum yeh samajh sakte hain ki Fund B better risk-adjusted returns de raha hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.13% hai, jo Fund A ka 0.52% se kam hai. Isliye, hum yeh samajh sakte hain ki Fund B zyada 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