ICICI Prudential Bluechip Fund vs UTI 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%
Aapke paas do fund hai, ICICI Prudential Bluechip Fund aur UTI Mutual Fund Liquid Fund. Ye donon fund alag-alag categories mein hai, jismein Large Cap aur Liquid Fund hai. Dekho, hum aapko iske beech ka comparison karengi aur aapko batayenge ki aapki pasandida fund kitni achhi hai.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | UTI Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 83.91 | 5622.79 |
| AUM (₹ Cr) | 5.81 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.52 | 0.11 |
| Sharpe Ratio | 0.71 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Sach ye hai, agar aap long-term wealth creation ke liye fund choose kar rahe hai, to ye hai aapki pasandidi fund. Fund A ki 3Y return 15.44% hai, jo Fund B ki 3Y return 6.93% se adhik hai. Lekin, iska matlab nahin hai ki aap Fund A hi choose kar sakte hai, kyonki expense ratio aur risk bhi bahut mahatvapoorn hai. Fund A ka expense ratio 0.52% hai, jo Fund B ka expense ratio 0.12% se adhik hai. Iske alawa, Fund A ka riskometer Very High hai, jo aapko risk ka hissa dena sakti hai. Haan, aapko Fund B ka jyada risk nahin lena hota hai. Isliye, humaara verdict hai ki Fund B aapke liye adhik 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP suitabiltiy ke liye, hum aapko batayenge ki Fund A aur Fund B dono mein aapko kis fund ki consistency aur return stability ke liye invest karna chaahiye. Dekho, Fund A ki 1Y return 24.48% hai, jo Fund B ki 1Y return 6.17% se adhik hai. Lekin, iska matlab nahin hai ki aap Fund A hi choose kar sakte hai, kyonki Fund A ka riskometer Very High hai, jo aapko risk ka hissa dena sakti hai. Iske alawa, Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.52% se kam hai. Isliye, humaara manna hai ki Fund B aapke liye adhik achha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke beech ka comparison karte hue, humaara manna hai ki Fund B aapke liye adhik achha hai. Fund B ka riskometer Low hai, jo aapko risk ka hissa nahin dena sakti hai. Iske alawa, Fund B ki volatility 0.11 hai, jo Fund A ki volatility 12.52 se kam hai. Sharpe ratio ke beech, Fund B ka Sharpe ratio 3.91 hai, jo Fund A ka Sharpe ratio 0.71 se adhik hai. Expense ratio ke liye, Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.52% se kam hai. Isliye, humaara manna hai ki Fund B aapke liye adhik achha hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke beech ka comparison karte hue, humaara manna hai ki Fund B aapke liye adhik achha hai. Fund B ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai, jo Fund A ka asset allocation Equity: 96.00% aur T-Bills: 4.00% se alag hai. Iske alawa, Fund B ka top holdings concentration State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai, jo Fund A ka top holdings concentration HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) se alag hai. Isliye, humaara manna hai ki Fund B aapke liye adhik achha hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
UTI 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, Fund A ki 5Y return 12.65% hai, jo Fund B ki 5Y return 6.11% se adhik hai. Iske alawa, Fund A ki 3Y return 15.44% hai, jo Fund B ki 3Y return 6.93% se adhik hai. Isliye, Fund A aapke liye long run mein better returns denewali hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund A ka riskometer Very High hai, jo aapko risk ka hissa dena sakti hai. Iske alawa, Fund A ki volatility 12.52 hai, jo Fund B ki volatility 0.11 se adhik hai. Sharpe ratio ke liye, Fund A ka Sharpe ratio 0.71 hai, jo Fund B ka Sharpe ratio 3.91 se kam hai. Isliye, Fund A ka higher risk aapke liye worth nahi hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.52% se kam hai. Iske alawa, Fund B ka exit load N/A hai, jo Fund A ka exit load N/A se alag hai. Isliye, Fund B aapke liye more 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