ICICI Prudential Bluechip Fund vs ICICI Prudential Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
15.42%
Dekho, investors seeking long-term wealth creation often face a dilemma between large-cap and small-cap funds. Fund A, the ICICI Prudential Bluechip Fund, is a large-cap fund, while Fund B, the ICICI Prudential Small Cap Fund, is a small-cap fund. In this comparison, we will explore which fund is better suited for long-term wealth creation based on their 3-year returns, expense ratio, and risk.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BICICI Prudential Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | ICICI Prudential |
| Category | Large Cap | Small Cap |
| NAV (₹) | 83.91 | 96.92 |
| AUM (₹ Cr) | 5.81 Lac Cr | 2.27 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.82% |
| Riskometer | Very High | Very High |
| Volatility | 12.52 | 17.48 |
| Sharpe Ratio | 0.71 | 0.51 |
| 1 Year Return (%) | 24.48% | 1.68% |
| 3 Year Return (%) | 15.44% | 15.42% |
| 5 Year Return (%) | 12.65% | 17.22% |
| Since Launch (%) | 16.42% | 16.62% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Harsh Upadhyaya; Sharmila D'Silva (4.2 years yrs) |
| Benchmark | Nifty 50 | Nifty Smallcap 250 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | Equity: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 28% | 21% |
🤖 AI Verdict – Which is Better?
Chaliye, let's evaluate the funds based on their 3Y return, expense ratio, and risk. Fund A has a 3Y return of 15.44%, which is higher than Fund B's 3Y return of 15.42%. However, Fund A has a lower expense ratio of 0.52% compared to Fund B's 0.82%. Risk-wise, both funds have a very high riskometer, but Fund A has a lower volatility of 12.52 compared to Fund B's 17.48. Considering these factors, Fund A emerges as a better choice for long-term wealth creation.
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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 15.42%
- AUM: 2.27 Lac Cr
- Sharpe Ratio: 0.51
📈 SIP Suitability
Sach ye hai, when it comes to SIP suitability, consistency and return stability are crucial. Fund A has a lower volatility and a higher Sharpe ratio, indicating that it is more stable and consistent in its returns. Over a period of 10 years, Fund A is likely to provide more stable returns compared to Fund B, making it a better choice for a monthly SIP.
⚠️ Risk & Cost Analysis
Haan, let's dive deeper into the risk and cost analysis. Fund A has a lower expense ratio of 0.52% compared to Fund B's 0.82%. Additionally, Fund A has a lower volatility of 12.52 compared to Fund B's 17.48. However, both funds have a very high riskometer, indicating that they are high-risk investments. Considering the Sharpe ratio, Fund A offers better risk-adjusted returns compared to Fund B.
📊 Portfolio Diversification
Lekin, when it comes to portfolio diversification, asset allocation and top holdings concentration are key factors. Fund A has a 96% equity allocation and a 4% T-Bills allocation, while Fund B has a 91% equity allocation and a 9% cash and equivalents allocation. Fund A's top holdings are HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), and Reliance Industries Ltd. (6.9%), indicating a high concentration of large-cap stocks. In contrast, Fund B's top holdings are Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), and National Aluminium Company Ltd. (2.7%), indicating a more diversified portfolio.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
ICICI Prudential Small Cap Fund
₹1429907.82
@15.4% 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 gives better returns in the long run, with a 5Y return of 12.65% compared to Fund B's 5Y return of 17.22%. However, it's essential to note that Fund B is a small-cap fund, which typically carries higher risks but also offers higher returns in the long run.
Q2: Is the higher risk fund worth it?
No, the higher risk fund is not worth it, considering the Sharpe ratio and volatility. Fund A offers better risk-adjusted returns and lower volatility compared to Fund B.
Q3: Which fund is more cost-effective?
Fund A is more cost-effective, with an expense ratio of 0.52% compared to Fund B's 0.82%.
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