ICICI Prudential Bluechip Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
19.98%
Ab aaj hum do fundon ki tulna karne ja rhe hain: ICICI Prudential Bluechip Fund aur SBI ELSS Tax Saver Fund. Ye dono fund large cap aur ELSS category mein aate hain aur inme se ek aapko behtar investment option dega. Is article mein hum in dono fundon ki comparison karke dekhein ge ki kis fund aapke long‑term wealth creation ke liye behtar hai.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | SBI Mutual Fund |
| Category | Large Cap | ELSS |
| NAV (₹) | 83.91 | 462.73 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.93% |
| Riskometer | Very High | Very High |
| Volatility | 12.52 | 15.53 |
| Sharpe Ratio | 0.71 | 0.87 |
| 1 Year Return (%) | 24.48% | -1.1% |
| 3 Year Return (%) | 15.44% | 19.98% |
| 5 Year Return (%) | 12.65% | 17.91% |
| Since Launch (%) | 16.42% | 15.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Milind Agrawal (0.4 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 28% | 37% |
🤖 AI Verdict – Which is Better?
Haan, yeh to thoda sa mudda hai. Par dekho, SBI ELSS Tax Saver Fund ka 3Y return kamal kam 19.98% hai, jiska matlab hai ki yeh fund in 3 salon mein behtar return de chuka hai. Lekin expense ratio mein inme se SBI ELSS Tax Saver Fund kamal kam 0.93% ka expense ratio hai, jiska matlab hai ki yeh fund behtar cost-effective hai. Aur riskometer mein bhi dono fund Very High par hain. To, yeh decide aapko karna hai ki aap long-term wealth creation ke liye jyada return vishwas karke khatre ki probability ke liye taiyar hain ya nahi.
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 SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
Chaliye, ab hum SIP ki tulna karte hain. SBI ELSS Tax Saver Fund ka 3Y return 19.98% hai, jiska matlab hai ki yeh fund behtar consistency aur return stability ka darshak hai. Isliye, yeh fund aapke monthly SIP ke liye behtar hai, jisse aap 10+ years ke liye behtar returns pa sakte hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ki tulna karte hain, to hum dekhein. Dono fund Very High riskometer par hain, lekin SBI ELSS Tax Saver Fund ka Sharpe ratio kamal kam 0.87 hai, jiska matlab hai ki yeh fund behtar risk-adjusted returns de raha hai. Iske alawa, SBI ELSS Tax Saver Fund ka expense ratio kamal kam 0.93% hai, jiska matlab hai ki yeh fund behtar cost-effective hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ki tulna karte hain, to hum dekhein. Dono fund equity mein 96% aur T-Bills mein 4% ki asset allocation rakhte hain. Iske alawa, top holdings mein bhi dono fund mehnat se diversification rakhte hain, lekin SBI ELSS Tax Saver Fund ka top holdings mein ICICI Bank Ltd. (8.95%) aur Reliance Industries Ltd. (5.19%) ka bahut bada share hai, jiska matlab hai ki yeh fund sector risk ke liye behtar hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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?
SBI ELSS Tax Saver Fund ka 5Y return 17.91% hai aur ICICI Prudential Bluechip Fund ka 5Y return 12.65% hai, isliye SBI ELSS Tax Saver Fund long-run mein behtar return de raha hai.
Q2: Is the higher risk fund worth it?
SBI ELSS Tax Saver Fund ka Sharpe ratio 0.87 hai, jiska matlab hai ki yeh fund behtar risk-adjusted returns de raha hai. Isliye, yeh fund aapke liye behtar hai.
Q3: Which fund is more cost-effective?
SBI ELSS Tax Saver Fund ka expense ratio 0.93% hai aur ICICI Prudential Bluechip Fund ka expense ratio 0.52% hai, isliye ICICI Prudential Bluechip Fund aapke liye behtar 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