ICICI Prudential Liquid Fund vs Angel One Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.76%
Abhi dekho, hum aaj kuch Liquid Funds ke beech mizaz karne ja rhe hain. Fund A hai ICICI Prudential Liquid Fund aur Fund B hai Angel One Mutual Fund Liquid Fund. Ye dono fund low-risk hain aur aapke paiso ko surakshit rakhne ke liye achhe options hain. Hum aapko bataenge ki kis fund mein nivesh karne se aapko better returns milegi.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Angel One Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 2132.04 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.67 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.58 | 2.36 |
| 1 Year Return (%) | 6.15% | 6.03% |
| 3 Year Return (%) | 6.93% | 6.76% |
| 5 Year Return (%) | 6.11% | 5.95% |
| Since Launch (%) | 6.84% | 6.23% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 13 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | N/A |
| 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% | 221% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B dono me se Fund A ka 3Y return 6.93% hai, jo ki Fund B ke 3Y return (6.76%) se achha hai. Lekin, Fund B ka expense ratio 0.12% hai, jo ki Fund A ke expense ratio (0.12%) ke saamne hai, lekin Fund B ka riskometer bhi low hai. Lekin, Fund A ka 5Y return 6.11% hai, jo ki Fund B ke 5Y return (5.95%) se achha hai. To, hum kahaenge ki Fund A better hai long-term wealth creation ke liye.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
📈 SIP Suitability
Chaliye, aap kis fund mein SIP karna chahte hain. Fund A ka 1Y return 6.15% hai, jo ki Fund B ke 1Y return (6.03%) se achha hai. Lekin, Fund A ka 3Y return aur 5Y return bhi Fund B se achhe hain. Isliye, Fund A ka SIP better hai 10+ saal ke liye.
⚠️ Risk & Cost Analysis
Sach ye hai, hum sabhi kisi bhi fund mein nivesh karne se pehle iske jukamatiy jaankari dekhna chahte hain. Fund A ka riskometer low hai, lekin uska volatility 0.12 hai, jo ki Fund B ke volatility (0.11) se jyada hai. Lekin, Fund A ka Sharpe ratio 3.58 hai, jo ki Fund B ke Sharpe ratio (2.36) se achha hai. Isliye, Fund A better hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Ab, hum dekheinge ki Fund A aur Fund B ka asset allocation kya hai. Dono funds ka asset allocation T-Bills, CD, CP aur Cash mein 65%, 20%, 10% aur 5% hai. Lekin, Fund A ka Top 3 holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein 8.5%, 7.2% aur 6.8% hai. Fund B ka Top 3 holdings bhi saman hai. Isliye, dono funds mein asset allocation mein koi bahut bada farq nahi hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Angel One Mutual Fund Liquid Fund
₹858899.05
@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?
Answer based on 5Y/3Y returns. Fund A ka 3Y return 6.93% hai aur 5Y return 6.11% hai, jo ki Fund B ke 3Y return (6.76%) aur 5Y return (5.95%) se achhe hain.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund A ka volatility 0.12 hai, jo ki Fund B ke volatility (0.11) se jyada hai. Lekin, Fund A ka Sharpe ratio 3.58 hai, jo ki Fund B ke Sharpe ratio (2.36) se achha hai.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load (if provided). Dono funds ka expense ratio 0.12% hai, jo ki ek jaisa 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