ICICI Prudential Liquid Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.85%
Ab aapko do liquid funds ke beech ki comparison sunane waali hai - ICICI Prudential Liquid Fund aur Aditya Birla Sun Life Liquid Fund. Dekho, yeh kaise dono funds aapke paiso ko vikasit karne mein madad karte hain.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Aditya Birla Sun Life |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 443.77 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.13 |
| Sharpe Ratio | 3.58 | 2.69 |
| 1 Year Return (%) | 6.15% | 6.09% |
| 3 Year Return (%) | 6.93% | 6.85% |
| 5 Year Return (%) | 6.11% | 6.05% |
| Since Launch (%) | 6.84% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 241% | 279% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A (ICICI Prudential Liquid Fund) hamesha se aur bhi achha hai. Iska 3Y return 6.93% hai, jo ki Fund B (Aditya Birla Sun Life Liquid Fund) ki 6.85% se adhik hai. Lekin expense ratio mein dono funds ek jaisa hain. Haan, Fund A ka riskometer bhi low hai.
Why consider ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Agar aap ek monthly SIP ke liye investment karna chahte hain, to Fund A (ICICI Prudential Liquid Fund) achha hoga. Iska 3Y return stability hai aur consistency bhi adhik hai. Chaliye, Fund B ka 1Y return thoda kam hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se Fund A aur Fund B dono low risk hain. Lekin Sharpe ratio ke hisab se Fund A ka 3.58 hai, jo ki Fund B ki 2.69 se adhik hai. Haan, expense ratio mein dono funds ek jaisa hain.
📊 Portfolio Diversification
Asset allocation ke hisab se dono funds ek jaisa hain. T-Bills, CD, CP aur Cash ke hisab se dono funds 65%, 20%, 10% aur 5% allocation karte hain. Lekin top holdings ke hisab se Fund A ka State Bank of India CD aur HDFC Bank CD ki concentration thoda adhik hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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?
Fund A (ICICI Prudential Liquid Fund) ka 5Y return 6.11% hai, jo ki Fund B (Aditya Birla Sun Life Liquid Fund) ki 6.05% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, lekin Fund A (ICICI Prudential Liquid Fund) ka Sharpe ratio 3.58 hai, jo ki Fund B ki 2.69 se adhik hai. Iska matlab hai ki Fund A ka risk-adjusted return adhik hai.
Q3: Which fund is more cost-effective?
Dono funds ke expense ratio ek jaisa hain, 0.12%. Lekin Fund A ka AUM adhik hai, 47382.91 Cr. Iska matlab hai ki Fund A ka expense ratio per investor ke hisab se kam ho sakta 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