ICICI Prudential Bluechip Fund vs Kotak Mahindra 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%
Chaliye, dekho, hum aaj do fundon ka mukhyaatvparikshan karenge: ICICI Prudential Bluechip Fund aur Kotak Mahindra Liquid Fund. Fund A Large Cap category mein hai aur 96% asset allocation equity mein hai, jabki Fund B liquid fund category mein hai aur 65% asset allocation T-Bills mein hai. Aapko is post mein yeh janna hai ki yeh dono fund kyon aur kaun se hisaab se achhe hain.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Kotak Mahindra |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Agar long-term wealth creation ke liye fund chunne hain, toh hum Fund B ko preferred fund maante hain. Iska sabse bada karan uski 3Y return hai, jo 6.93% hai. Expense ratio aur riskometer ko dekhte hi, Fund B hi behtar hai. Humein lagta hai ki Fund B long-term mein behtar return dega.
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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye, Fund B ka consistency aur return stability ke liye achha hai. Iska 1Y return 6.17% hai, jo Fund A ka 1Y return se kam hai. Iske alava, Fund B ka volatility 0.11 hai, jo Fund A ka volatility 12.52 se kam hai. Isliye, Fund B ek monthly SIP ke liye achha fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se, Fund B ka risk-adjusted returns Fund A se achha hai. Iska riskometer low hai, volatility 0.11 hai, Sharpe ratio 3.91 hai, aur expense ratio 0.12% hai. Isliye, yeh fund aapko better risk-adjusted returns pradan karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, Fund B ka portfolio diversification Fund A se achha hai. Fund B ka asset allocation T-Bills, CD, CP, aur cash mein 65%, 20%, 10%, aur 5% hai, jabki Fund A ka asset allocation 96% equity aur 4% T-Bills mein hai. Isliye, Fund B ka portfolio diversification Fund A se adhik hai. Iske alava, Fund B ka top holdings concentration Fund A se kam hai, jisme HDFC Bank CD, HDFC Bank CD, aur Reliance Industries T-Bills hain.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Kotak Mahindra 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?
Haan, Fund A ka 5Y return 12.65% hai, jo Fund B ka 5Y return 6.11% se adhik hai. Isliye, Fund A long run mein better returns pradan karta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer very high hai, lekin iska Sharpe ratio 0.71 hai, jo Fund B ka Sharpe ratio 3.91 se kam hai. Isliye, Fund A ka higher risk Fund B ke risk se adhik hai.
Q3: Which fund is more cost-effective?
Haan, Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.52% se kam hai. Isliye, Fund B more 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