ICICI Prudential Bluechip Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
6.96%
Chaliye dekho, aaj hum do alag-alag fundon ko compare karne ja rahe hain. Fund A, ICICI Prudential Bluechip Fund, ek Large Cap fund hai, jabki Fund B, Nippon India Liquid Fund, ek Liquid fund hai. Aaj hamare paas yeh pata chala hoga ki kis fund mein long-term wealth creation ke liye investment karne wala sabse achha hai.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Nippon India |
| Category | Large Cap | Liquid |
| NAV (₹) | 83.91 | 6813.87 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.2% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.12 |
| Sharpe Ratio | 0.71 | 3.83 |
| 1 Year Return (%) | 24.48% | 6.21% |
| 3 Year Return (%) | 15.44% | 6.96% |
| 5 Year Return (%) | 12.65% | 6.14% |
| Since Launch (%) | 16.42% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 28% | 260% |
🤖 AI Verdict – Which is Better?
Haan, Fund A, ICICI Prudential Bluechip Fund, long-term wealth creation ke liye better option hai. Iska 3Y return 15.44% hai, expense ratio 0.52% hai, aur riskometer Very High hai. Fund B, Nippon India Liquid Fund, expense ratio 0.2% hai, lekin riskometer Low hai. Dekho, short-term mein Fund B achha lagta hai, lekin long-term mein Fund A bhi sabse 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
SIP ke liye Fund A better hai. Fund A ka 3Y return 15.44% hai, jiska 5Y return 12.65% hai. Iska asset allocation bhi bahut achha hai, jisme 96% equity aur 4% T-Bills hai. Fund B ka 1Y return 6.21% hai, lekin 3Y return 6.96% hai, jiska 5Y return 6.14% hai. Dekho, Fund B ka return kafi stable hai, lekin Fund A ka return thoda bada hai.
⚠️ Risk & Cost Analysis
Haan, riskometer ke hisaab se Fund A badh kar Very High hai, lekin volatility 12.52 hai. Fund B ka riskometer Low hai, lekin volatility 0.12 hai. Sharpe ratio ke hisaab se bhi Fund B achha hai, jiska Sharpe ratio 3.83 hai. Expense ratio ke hisaab se bhi Fund B achha hai, jiska expense ratio 0.2% hai. Fund A ka expense ratio 0.52% hai, jiski tark mein Fund B pehle aata hai.
📊 Portfolio Diversification
Dekho, Fund A ka asset allocation bahut achha hai, jisme 96% equity aur 4% T-Bills hai. Top holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. Fund B ka asset allocation bhi achha hai, jisme CP, CD, T-Bills, Debenture, SDL, aur Debt hain. Top holdings mein Reserve Bank of India, National Bank For Agriculture & Rural Development hain. Dekho, Fund A ka asset allocation Fund B se thoda bada hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@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?
Sach ye hai, Fund A ka 5Y return 12.65% hai, jiska 3Y return 15.44% hai. Fund B ka 5Y return 6.14% hai, jiska 3Y return 6.96% hai. Dekho, Fund A ka long-term return Fund B se thoda bada hai.
Q2: Is the higher risk fund worth it?
Haan, riskometer ke hisaab se Fund A badh kar Very High hai, lekin volatility 12.52 hai. Fund B ka riskometer Low hai, lekin volatility 0.12 hai. Sharpe ratio ke hisaab se bhi Fund B achha hai, jiska Sharpe ratio 3.83 hai. Dekho, Fund B ka risk-adjusted return Fund A se thoda bada hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisaab se Fund B achha hai, jiska expense ratio 0.2% hai. Fund A ka expense ratio 0.52% hai. Dekho, Fund B ki cost Fund A se thoda kam 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