ICICI Prudential Bluechip Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.97%
Mujhe lagta hai ki aapne fund A aur fund B mein kuch confusion hai. Yahan hum Fund A - ICICI Prudential Bluechip Fund - Direct Plan - Growth aur fund B - JM Financial Liquid Fund - Direct Plan - Growth ka vivaran karenge. Dekho, yeh do funds kise hi category mein aate hain aur hum aapko batayenge ki yeh dono funds kisse use karna chahiye.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | JM Financial |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 363.19 |
| AUM (₹ Cr) | 5.81 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.12 |
| Sharpe Ratio | 0.71 | 3.92 |
| 1 Year Return (%) | 24.48% | 6.21% |
| 3 Year Return (%) | 15.44% | 6.97% |
| 5 Year Return (%) | 12.65% | 6.16% |
| Since Launch (%) | 16.42% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Ab dekho, yeh dono funds kaise perform karte hain. Fund A ka 3Y return 15.44% hai, jabki fund B ka 3Y return 6.97% hai. Lekin expense ratio ke liye fund B achha hai, 0.12% vs fund A ka 0.52%. Riskometer ke liye bhi fund B better hai. Haan, fund B low risk ka hai, jabki fund A very high risk ka hai. Sach ye hai, fund B 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Aap monthly SIP ke liye fund A ya fund B ka chayan karna chahenge? Dekho, fund A ka 1Y return 24.48% hai, jabki fund B ka 1Y return 6.21% hai. Lekin fund A ki consistency fund B se acchi hai. Haan, fund A ki return stability fund B se better hai. Sach ye hai, fund A monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Ab dekho, yeh dono funds kaise risk aur cost ke mukabale hain. Fund A ka riskometer very high hai, jabki fund B ka riskometer low hai. Lekin fund B ki volatility fund A se kam hai, 0.12 vs fund A ka 12.52. Haan, fund B ka Sharpe ratio fund A se better hai, 3.92 vs fund A ka 0.71. Sach ye hai, fund B ki risk-adjusted returns fund A se better hai.
📊 Portfolio Diversification
Aapko yeh pata hai ki yeh dono funds kaise portfolio diversification ko lete hain. Fund A ka asset allocation equity mein 96% hai, jabki fund B ka asset allocation T-Bills mein 65% hai. Lekin fund A ka top holding concentration fund B se zyada hai, HDFC Bank Ltd. (8.5%) vs State Bank of India CD (8.5%). Haan, fund B ka asset allocation fund A se better hai. Sach ye hai, fund B portfolio diversification ke liye better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% 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?
Answer: Fund A ka 5Y return 12.65% hai, jabki fund B ka 5Y return 6.16% hai. Haan, fund A long-term returns ke liye better hai.
Q2: Is the higher risk fund worth it?
Answer: Fund A ka riskometer very high hai, jabki fund B ka riskometer low hai. Lekin fund B ki volatility fund A se kam hai, 0.12 vs fund A ka 12.52. Haan, fund B ki risk-adjusted returns fund A se better hai.
Q3: Which fund is more cost-effective?
Answer: Fund B ka expense ratio 0.12% hai, jabki fund A ka expense ratio 0.52% hai. Haan, 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