ICICI Prudential Bluechip Fund vs LIC 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%
Yeh toh ek baat hai, dekho. Hum do funds ke beech mein comparison karenge, jo ki Large Cap aur Liquid Fund category mein aate hain. Fund A ICICI Prudential Bluechip Fund Direct Plan Growth hai, aur Fund B LIC Mutual Fund Liquid Fund Direct Plan Growth hai. Hum yeh jaanne ki koshish karenge ki aapke paas kis fund mein invest karna chahiye.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | LIC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 4.02 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% | 6.17% |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, yeh toh ek question hai, lekin humne decision karna hai. Fund A ka 3Y return 15.44%, jise dekhkar yeh fund long-term wealth creation ke liye thoda sa accha lagta hai. Lekin expense ratio 0.52% hai, jo kuch jyada hai. Fund B ka expense ratio 0.12% hai, jo bahut chhoti ratio hai. Yeh toh Fund B ki fav hai, lekin 3Y return thoda sa kam hai. Sach ye hai, Fund B better fund 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Chaliye, SIP suitability ke bare mein baat karenge. Fund A ka return stability thoda sa kam hai, lekin Fund B ka return stability bahut chhoti hai. Lekin Fund A ka consistency thoda sa accha hai. Yeh toh Fund A ke liye SIP kiya ja sakta hai, lekin Fund B ke liye bhi SIP kar sakte hain.
⚠️ Risk & Cost Analysis
Aapke paas ek fund hai jo jyada risk lene ki koshish karta hai, aur doosra fund jo kam risk ka hai. Fund A ka riskometer Very High hai, aur volatility 12.52 hai. Fund B ka riskometer Low hai, aur volatility 0.12 hai. Sharpe ratio Fund B ka 3.58 hai, jo Fund A ki 0.71 se bahut jyada hai. Yeh toh Fund B ka risk-adjusted returns bahut accha hai.
📊 Portfolio Diversification
Asset allocation ke bare mein baat karenge. Fund A ka equity 96% hai, aur T-Bills 4% hai. Fund B ka asset allocation T-Bills 65%, CD 20%, CP 10%, aur Cash 5% hai. Fund B ka asset allocation bahut kam risk ka hai. Top holdings concentration ke bare mein baat karenge. Fund A ka HDFC Bank Ltd. 8.5%, ICICI Bank Ltd. 7.8%, aur Reliance Industries Ltd. 6.9% hai. Fund B ka State Bank of India CD 8.5%, HDFC Bank CD 7.2%, aur Reliance Industries T-Bills 6.8% hai. Fund B ka asset allocation bahut kam sector risk ka hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
LIC 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?
Fund A ka 5Y return 12.65% hai, aur Fund B ka 5Y return 6.11% hai. Yeh toh Fund A long run mein better fund hai.
Q2: Is the higher risk fund worth it?
Fund A ka riskometer Very High hai, aur volatility 12.52 hai. Fund B ka riskometer Low hai, aur volatility 0.12 hai. Sharpe ratio Fund B ka 3.58 hai, jo Fund A ki 0.71 se bahut jyada hai. Yeh toh Fund B ka risk-adjusted returns bahut accha hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.52% hai, aur Fund B ka expense ratio 0.12% hai. Yeh toh 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