ICICI Prudential Bluechip Fund vs Tata 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%
Chaliye dekho Fund A aur Fund B ki comparison. Fund A ICICI Prudential Bluechip Fund hai, jo Large Cap category mein aata hai. Fund B toh Tata Mutual Fund Liquid Fund hai, jo Liquid Fund category mein aata hai. Aaj ham jaanege ki Fund A aur Fund B mein kya fark hai aur kis fund mein lagataar paise karna achha hai.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Tata Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.50 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki Fund A ke 3Y return 15.44% hai, jo Fund B ke 6.93% se bahut jyada hai. Lekin expense ratio ka hisaab lene par Fund B bahut hi kam expense ratio ke saath hai. Aur Fund B ka riskometer Low hai, jo Fund A ke Very High riskometer se alag hai. Haan, Fund A ka 5Y return 12.65% hai, lekin Fund B ka 5Y return 6.11% hai. Dekhiye, Fund A ke liye 3Y return aur kam expense ratio ka hisaab lene par, Fund A Fund B se bhaari 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP suitability ke liye ham monthly SIP ke liye 10+ saal ke liye fund ki consistency aur return stability ka hisaab lenege. Fund A ka 3Y return 15.44% hai, jo Fund B ke 6.93% se bahut jyada hai. Lekin Fund B ka expense ratio Fund A ke kam expense ratio se kam hai. Haan, Fund B ka riskometer Low hai, jo Fund A ke Very High riskometer se alag hai. Dekhiye, Fund B Fund A se thiik hoga monthly SIP ke liye 10+ saal ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se hum dekhege ki Fund A ya Fund B mein kya risk-adjusted returns hain. Fund A ka riskometer Very High hai, jo Fund B ke Low riskometer se alag hai. Lekin Fund B ka volatility Fund A ke volatility se kam hai. Haan, Fund B ka Sharpe ratio 3.31 hai, jo Fund A ke 0.71 Sharpe ratio se jyada hai. Dekhiye, Fund B Fund A se thiik hoga risk-adjusted returns ke liye.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se hum dekhege ki Fund A ya Fund B mein kya diversification hai. Fund A ka asset allocation Equity mein 96% hai, jo Fund B ke asset allocation T-Bills mein 65% se alag hai. Lekin Fund B ka top holdings concentration Fund A ke top holdings concentration se kam hai. Haan, Fund A ka sector risk Fund B ke sector risk se jyada hai. Dekhiye, Fund B Fund A se thiik hoga portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
Tata 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?
Sach ye hai ki Fund A ka 5Y return 12.65% hai, jo Fund B ke 6.11% se jyada hai. Lekin Fund B ka expense ratio Fund A ke kam expense ratio se kam hai. Haan, Fund B ka riskometer Low hai, jo Fund A ke Very High riskometer se alag hai.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Fund A ka riskometer Very High hai, jo Fund B ke Low riskometer se alag hai. Lekin Fund B ka volatility Fund A ke volatility se kam hai. Haan, Fund B ka Sharpe ratio 3.31 hai, jo Fund A ke 0.71 Sharpe ratio se jyada hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio Fund A ke kam expense ratio se kam hai. Haan, Fund B ka exit load N/A hai, jo Fund A ke exit load ke liye N/A 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