ICICI Prudential Bluechip Fund vs ICICI Prudential 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%
Dekho, aapke paas do funds hain, Fund A aur Fund B, jo ki alag-alag categories mein aate hain. Fund A large cap fund hai aur Fund B liquid fund hai. Aaj hum aapko batayenge, Fund A aur Fund B ke beech kya ant hai aur aapko kya seekhne milengi.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | ICICI Prudential |
| Category | Large Cap | Liquid |
| NAV (₹) | 83.91 | 411.88 |
| AUM (₹ Cr) | 5.81 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.12 |
| Sharpe Ratio | 0.71 | 3.58 |
| 1 Year Return (%) | 24.48% | 6.15% |
| 3 Year Return (%) | 15.44% | 6.93% |
| 5 Year Return (%) | 12.65% | 6.11% |
| Since Launch (%) | 16.42% | 6.84% |
| 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) | Nikhil Kabra; Ritesh Lunawat (4.8 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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, fund ki comparison karne ke liye hum 3Y return, expense ratio, aur risk ko dekhege. Fund A ka 3Y return 15.44% hai, jo ki Fund B ka 6.93% se zyada hai. Expense ratio ki baat karein, toh Fund B mein 0.12% hai, jo ki Fund A ke 0.52% se kam hai. Riskometer ki baat karein, toh Fund B ka riskometer low hai aur Fund A ka very high hai. Lekin, Fund B ka 3Y return thoda kam hai, toh sach ye hai ki Fund A long-term wealth creation ke liye 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 ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Chaliye, SIP ke liye fund ki suitability check karte hain. Fund A ka 5Y return 12.65% hai, jo ki Fund B ka 6.11% se kam hai. Lekin, Fund A ka expense ratio 0.52% hai, jo ki Fund B ke 0.12% se kam hai. Haan, Fund A ka 3Y return Fund B ka 6.93% se zyada hai. Lekin, Fund A ka riskometer very high hai, jo ki Fund B ka low hai. Dekhiye, Fund A ki consistency aur return stability Fund B se thodi kam hai. Isliye, Fund B SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ko compare karte hain. Fund B ka riskometer low hai, jo ki Fund A ka very high hai. Volatility ki baat karein, toh Fund A ka 12.52 hai, jo ki Fund B ka 0.12 se kai ghante zyada hai. Sharpe ratio ki baat karein, toh Fund B ka 3.58 hai, jo ki Fund A ka 0.71 se zyada hai. Expense ratio ki baat karein, toh Fund B ka 0.12% hai, jo ki Fund A ke 0.52% se kam hai. Lekin, Fund A ka 3Y return Fund B ka 6.93% se zyada hai. Isliye, Fund B risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko compare karte hain. Fund A ka asset allocation equity mein 96% hai, jo ki T-Bills mein 4% hai. Fund B ka asset allocation T-Bills mein 65% hai, jo ki CD mein 20%, CP mein 10%, aur cash mein 5% hai. Top holdings concentration ki baat karein, toh 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. Lekin, Fund A ki asset allocation thoda less diversified hai, lekin Fund B ki asset allocation thoda more diversified hai. Sector risk ke liye, Fund A mein sector risk thoda zyada hai, lekin Fund B mein sector risk kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
ICICI Prudential 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 ki Fund B ka 6.11% se zyada hai. Isliye, Fund A long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka 3Y return Fund B ka 6.93% se zyada hai, lekin Fund A ka riskometer very high hai. Volatility ki baat karein, toh Fund A ka 12.52 hai, jo ki Fund B ka 0.12 se kai ghante zyada hai. Sharpe ratio ki baat karein, toh Fund B ka 3.58 hai, jo ki Fund A ka 0.71 se zyada hai. Isliye, Fund A risk-adjusted returns ke liye better nahin hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.12% hai, jo ki Fund A ke 0.52% se kam 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