ICICI Prudential Bluechip Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.55%
Today hum ek pehli baar do fundon ka comparison karne ja rhe hain - ICICI Prudential Bluechip Fund aur Motilal Oswal Liquid Fund. Yeh dono fund different categories mein hain - Large Cap aur Liquid Fund. Dekho, aapko maloom ho jayega ki aapko long-term wealth creation ke liye kis fund ka chayan karna chahiye.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Motilal Oswal |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 14.67 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.12 |
| Sharpe Ratio | 0.71 | 0.42 |
| 1 Year Return (%) | 24.48% | 5.84% |
| 3 Year Return (%) | 15.44% | 6.55% |
| 5 Year Return (%) | 12.65% | 5.76% |
| Since Launch (%) | 16.42% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Niket Shah (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% | 261% |
🤖 AI Verdict – Which is Better?
Haan, aaj hum dekhenge ki kis fund long-term wealth creation ke liye achha hai. Fund A ka 3Y return 15.44% hai, lekin expense ratio 0.52% hai. Fund B ka 3Y return 6.55% hai, lekin expense ratio 0.12% hai. Dekho, Fund A ki expense ratio Fund B ki comparison mein zyada hai. Lekin, Fund B ka 3Y return kam hai. Sach ye hai, Fund A long-term wealth creation ke liye achha 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 Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
Kya aapko pata hai ki kis fund SIP ke liye achha hai? Dekho, Fund A ka 3Y return Fund B ki comparison mein zyada hai. Lekin, Fund A ki expense ratio Fund B ki comparison mein zyada hai. Haan, Fund B ka expense ratio kam hai. Lekin, Fund B ka return stability Fund A ki comparison mein kam hai. Sach ye hai, Fund B SIP ke liye achha hai.
⚠️ Risk & Cost Analysis
Ab hum dekhenge ki kis fund mein riskometer zyada hai. Fund A ka riskometer high hai, lekin volatility 12.52 hai. Fund B ka riskometer low hai, lekin volatility 0.12 hai. Dekho, Fund A ka volatility Fund B ki comparison mein zyada hai. Lekin, Fund A ka riskometer Fund B ki comparison mein zyada hai. Sach ye hai, Fund B mein risk-adjusted returns zyada hai.
📊 Portfolio Diversification
Ab hum dekhenge ki kis fund mein asset allocation aur top holdings concentration zyada hai. Fund A mein equity 96% hai, aur top 3 holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hai. Fund B mein T-Bills 65% hai, aur top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Dekho, Fund B mein asset allocation Fund A ki comparison mein zyada diversified hai. Lekin, Fund A mein top holdings concentration Fund B ki comparison mein zyada hai. Sach ye hai, Fund B mein sector risk kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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, lekin Fund B ka 5Y return 5.76% hai. Lekin, Fund A ka 3Y return Fund B ki comparison mein zyada hai. Sach ye hai, Fund A long-term wealth creation ke liye achha hai.
Q2: Is the higher risk fund worth it?
Answer: Haan, Fund A ka riskometer high hai, lekin volatility 12.52 hai. Fund B ka riskometer low hai, lekin volatility 0.12 hai. Sach ye hai, Fund B mein risk-adjusted returns zyada hai.
Q3: Which fund is more cost-effective?
Answer: Sach ye hai, Fund B ka expense ratio 0.12% hai, jiska mukhya fund expense ratio 0.52% hai. Lekin, Fund B ka return Fund A ki comparison mein kam hai. Sach ye hai, 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