ICICI Prudential Bluechip Fund vs Navi 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%
Dekho, aap aaj hum do mutual funds ke baare mein jaante hain - ICICI Prudential Bluechip Fund aur Navi Mutual Fund Liquid Fund. Ye dono fund alag-alag categories mein hain. Fund A ek Large Cap fund hai, jabki Fund B ek Liquid Fund hai. Aaj hum jaanege ki kis fund me investment karna hai aur kya kya faayde hain unme.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Navi Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.13 |
| Sharpe Ratio | 0.71 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Chaliye, fund ki performance dekhte hain. Fund A ka 3Y return 15.44% hai, jo Fund B ki 6.93% se adhik hai. Lekin, expense ratio ke hisaab se Fund B kamjor hai. Riskometer ke liye bhi Fund B kamjor hai. Haan, Fund A ka 3Y return adhik hai, lekin risk bhi adhik hai. Sakht ye hai, Fund A kamal se kam 15.44% se adhik return dene wala hai, lekin Fund B kamjor risk ke saath kamal se kam 6.93% return dene wala hai. To, our verdict hai, Fund B aapke liye behtar fund hai, khaskar aap long-term wealth creation ke liye invest karte hain.
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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP Suitability ke liye hum consistency aur return stability dekhte hain. Fund A ka 1Y return 24.48% hai, jo Fund B ki 6.17% se adhik hai. Lekin, Fund A ka 3Y return Fund B ki 6.93% se kam hai. Haan, Fund B ka return consistency se adhik hai, lekin Fund A ka return adhik hai. Sakht ye hai, Fund B kamal se kam 6.93% se adhik return dene wala hai, jabki Fund A kamal se kam 15.44% se kam return dene wala hai. To, hum kahte hain ki Fund B aapke liye behtar fund hai, khaskar aap monthly SIP ke liye invest karte hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se hum fund ki risk-adjusted return dekhte hain. Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Lekin, Fund A ka volatility 12.52% hai, jo Fund B ki 0.13% se adhik hai. Haan, Fund B ka Sharpe ratio 3.31 hai, jo Fund A ki 0.71 se adhik hai. Sakht ye hai, Fund B kamal se kam 6.93% se adhik return dene wala hai, lekin Fund A kamal se kam 15.44% se kam return dene wala hai. To, hum kahte hain ki Fund B aapke liye behtar fund hai, khaskar aap risk-adjusted returns ke liye invest karte hain.
📊 Portfolio Diversification
Aapko pata hai, asset allocation aur top holdings concentration fund ki diversification ko decide karte hain. Fund A ka equity allocation 96% hai, jabki Fund B ka T-Bills allocation 65% hai. Haan, Fund A ka top 3 holdings HDFC Bank, ICICI Bank, aur Reliance Industries mein hain, jabki Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hain. Sakht ye hai, Fund A ka portfolio adhik diversified hai, lekin Fund B ka sector risk kam hai. To, hum kahte hain ki Fund A aapke liye behtar fund hai, khaskar aap portfolio diversification ke liye invest karte hain.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Navi 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?
Answer: Fund A ka 5Y return 12.65% hai, jo Fund B ki 6.11% se kam hai. Haan, Fund A ka 3Y return 15.44% hai, jo Fund B ki 6.93% se adhik hai. Sakht ye hai, Fund A kamal se kam 15.44% se adhik return dene wala hai, lekin Fund B kamal se kam 6.93% return dene wala hai.
Q2: Is the higher risk fund worth it?
Answer: Haan, Fund A ka riskometer Very High hai, lekin Fund A ka return adhik hai. Lekin, Fund B ka Sharpe ratio 3.31 hai, jo Fund A ki 0.71 se adhik hai. Sakht ye hai, Fund B kamal se kam 6.93% se adhik return dene wala hai, lekin Fund A kamal se kam 15.44% se kam return dene wala hai.
Q3: Which fund is more cost-effective?
Answer: Fund B ka expense ratio 0.12% hai, jo Fund A ki 0.52% se kam hai. Haan, Fund B ka AUM 45360 Cr hai, jo Fund A ki 58145.22 Cr se kam hai. Sakht ye hai, Fund B kamal se kam 6.93% se adhik return dene wala hai, lekin Fund A kamal se kam 15.44% se kam return dene wala 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