ICICI Prudential Liquid Fund vs Angel One Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
12.3%
Dekho, aap donon fundon ka category kai alag alag hai. Fund A ek liquid fund hai, jabki Fund B ek balanced hybrid fund hai. Is article mein, hum dono fundon ka comparison karenge aur dekhein ki aapke paisa ko kis fund se behtar hasil hoga.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Angel One Mutual Fund |
| Category | Liquid | Balanced Hybrid |
| NAV (₹) | 411.88 | 16.39 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.78% |
| Riskometer | Low | Moderately High |
| Volatility | 0.12 | 8.79 |
| Sharpe Ratio | 3.58 | 0.66 |
| 1 Year Return (%) | 6.15% | 3.08% |
| 3 Year Return (%) | 6.93% | 12.3% |
| 5 Year Return (%) | 6.11% | 7.51% |
| Since Launch (%) | 6.84% | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 241% | 127% |
🤖 AI Verdict – Which is Better?
Dekhiye, Fund A ka 3Y return 6.93% hai, jabki Fund B ka 3Y return 12.3% hai. Lekin, Fund A ka expense ratio 0.12% hai, jabki Fund B ka expense ratio 0.78% hai. Haan, dono fundon ka riskometer alag alag hai, lekin Fund A ka riskometer low hai, jabki Fund B ka riskometer moderately high hai. Sach ye hai, Fund A long-term wealth creation ke liye behtar 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 Angel One Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.66
📈 SIP Suitability
Ek monthly SIP ke liye, Fund A behtar hai. Iska 3Y return Fund B se adhik hai, aur expense ratio 0.78% se kam hai. Chaliye, aap 10+ saal ke liye SIP lagate hain, to Fund A aapke paisa ko behtar hasil dega.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sabhi ke liye, Fund A behtar hai. Iska riskometer low hai, volatility 0.12 hai, Sharpe ratio 3.58 hai, aur expense ratio 0.12% hai. Lekin, Fund B ka 3Y return adhik hai, lekin expense ratio 0.78% hai. Haan, dono fundon ka riskometer alag alag hai, lekin Fund A ka riskometer low hai.
📊 Portfolio Diversification
Fund A ka asset allocation T-Bills ka 65.00% hai, CD ka 20.00% hai, CP ka 10.00% hai, aur cash ka 5.00% hai. Lekin, Fund B ka asset allocation equity ka 65.00% hai, debt ka 30.00% hai, aur T-Bills ka 5.00% hai. Haan, dono fundon ka asset allocation alag alag hai, lekin Fund A ka asset allocation adhik diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Angel One Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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 B ka 5Y return 7.51% hai, lekin Fund A ka 5Y return 6.11% hai. Lekin, Fund B ka 3Y return 12.3% hai, jabki Fund A ka 3Y return 6.93% hai. Sach ye hai, Fund B long-term mein behtar return dega.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 8.79 hai, jabki Fund A ka volatility 0.12 hai. Lekin, Fund B ka Sharpe ratio 0.66 hai, jabki Fund A ka Sharpe ratio 3.58 hai. Haan, Fund B ka riskometer moderately high hai, lekin Fund A ka riskometer low hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.12% hai, jabki Fund B ka expense ratio 0.78% hai. Lekin, Fund A ka AUM 47382.91 Cr hai, jabki Fund B ka AUM 15624 Cr hai. Haan, Fund A adhik 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