ICICI Prudential Bluechip Fund vs PPFAS 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%
Today, humein do mutual fund schemes ka comparison karna hai - ICICI Prudential Bluechip Fund aur PPFAS Mutual Fund Liquid Fund. Ye donon fund schemes alag-alag category mein aate hain aur aapko samajhne ke liye humein inke characteristics aur performance ko compare karna hoga.
Is article mein, humein Fund A aur Fund B ka comparison karna hoga aur aapko samajhne ke liye humein inke long-term return, expense ratio, aur risk ke baare mein jaanne ke liye kuch points highlight karenge.
So, chaliye shuru karte hain aur dekhte hain ki konsa fund aapke liye better hai!
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | PPFAS Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 4.41 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, humein Fund A ko better fund samjhte hain. Iske 3Y return 15.44% hain, jo Fund B ka 3Y return 6.93% se zyada hai. Expense ratio ke hisab se bhi Fund A better hai, jiska expense ratio 0.52% hai, jo Fund B ka expense ratio 0.12% se zyada hai. Aur, riskometer ke hisab se bhi Fund A better hai, kyonki uska riskometer "Very High" hai, jo Fund B ka "Low" riskometer se zyada hai.
Haan, Fund B ka sharpe ratio 3.58 hai, jisse aapko lagta hai ki yeh fund bahut accha hai. Lekin, agar aap long-term wealth creation ka soch rahe hain, toh Fund A better option hai.
Sach ye hai ki Fund A ka 5Y return 12.65% hai, jo Fund B ka 5Y return 6.11% se zyada hai. Isliye, aapko Fund A ka investment karna chahiye.
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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, Fund B better hai. Yeh fund liquid fund hai, jisse aapko monthly return milta hai. Iske 1Y return 6.17% hai, jo Fund A ka 1Y return 24.48% se kam hai. Lekin, yeh fund consistent return deta hai, jisse aapko monthly SIP ke hisab se investment karna chahiye.
Haan, Fund A ka 3Y return 15.44% hai, jo Fund B ka 3Y return 6.93% se zyada hai. Lekin, agar aap monthly SIP ke hisab se investment karna chahte hain, toh Fund B better hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisab se, Fund B better hai. Yeh fund liquid fund hai, jisse aapko low risk ka experience hota hai. Fund A ka riskometer "Very High" hai, jisse aapko high risk ka experience hota hai.
Sharpe ratio ke hisab se bhi Fund B better hai, jiska sharpe ratio 3.58 hai. Fund A ka sharpe ratio 0.71 hai, jisse aapko low risk-adjusted return ka experience hota hai.
Expense ratio ke hisab se bhi Fund B better hai, jiska expense ratio 0.12% hai. Fund A ka expense ratio 0.52% hai, jisse aapko high cost ka experience hota hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund A better hai. Yeh fund large cap hai, jisse aapko portfolio diversification ka experience hota hai. Fund B ka asset allocation T-Bills, CD, CP aur cash mein hai, jisse aapko low asset allocation ka experience hota hai.
Top holdings concentration ke hisab se bhi Fund A better hai. Yeh fund HDFC Bank, ICICI Bank aur Reliance Industries mein invest karta hai, jisse aapko portfolio diversification ka experience hota hai. Fund B ka top holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein hai, jisse aapko low portfolio diversification ka experience hota hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
PPFAS 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?
Is question ka jawab hai ki Fund A ka 5Y return 12.65% hai, jo Fund B ka 5Y return 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Is question ka jawab hai ki Fund A ka riskometer "Very High" hai, lekin yeh fund aapko long-term wealth creation ka experience deta hai. Fund B ka riskometer "Low" hai, lekin yeh fund aapko low returns ka experience deta hai.
Q3: Which fund is more cost-effective?
Is question ka jawab hai ki Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.52% se kam hai. Isliye, Fund B aapke liye 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