ICICI Prudential Liquid Fund vs Axis Bluechip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
19.68%
Aaj hum apne do fundon ka aasan aur samjhdaar review karenge - ICICI Prudential Liquid Fund aur Axis Bluechip Fund. Ye do fund 2 alag-alag categories mein aate hain: Liquid aur Large Cap. Hum aapko batayenge ki dono fundon ka 1Y, 3Y, aur 5Y returns kitne hain, aur aapko bataayenge ki ismein konsa fund aage badhne ke liye adhik achha hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BAxis Bluechip Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Axis Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 18.82 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.45 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.34 |
| Sharpe Ratio | 3.58 | 1.16 |
| 1 Year Return (%) | 6.15% | 4.44% |
| 3 Year Return (%) | 6.93% | 19.68% |
| 5 Year Return (%) | 6.11% | 5.62% |
| Since Launch (%) | 6.84% | 14.6% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 28 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Ashish Naik; Shreyash Devalkar (7.8 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 241% | 16% |
🤖 AI Verdict – Which is Better?
dekho, dono fundon ka 3Y return kitne hain. Fund A ka 3Y return 6.93% hai, lekin expense ratio bhi kitna hain. Fund A ka expense ratio 0.12% hai, lekin Fund B ka expense ratio 1.52% hai. Haan, Fund A ka riskometer Low hai, aur Fund B ka Very High hai. sach ye hai, Fund A long-term wealth creation ke liye adhik achha 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 Axis Bluechip Fund?
- Expense ratio: 1.52%
- 3Y return: 19.68%
- AUM: 3.45 Lac Cr
- Sharpe Ratio: 1.16
📈 SIP Suitability
Aaj hum SIP ke liye dono fundon ka suitability test karenge. Chaliye dekhte hain ki dono fundon ka consistency aur return stability kitne hain. Fund A ka 1Y return 6.15% hai, aur 3Y return 6.93% hai. Fund B ka 1Y return 4.44% hai, aur 3Y return 19.68% hai. Haan, Fund A ka consistency aur return stability adhik achha hai.
⚠️ Risk & Cost Analysis
dekho, dono fundon ka riskometer, volatility, Sharpe ratio, aur expense ratio kitne hain. Fund A ka riskometer Low hai, lekin Fund B ka Very High hai. Fund A ka volatility 0.12 hai, lekin Fund B ka 11.34 hai. Sharpe ratio mein bhi Fund A adhik achha hai. Haan, Fund A risk-adjusted returns mein adhik achha hai.
📊 Portfolio Diversification
Aaj hum dono fundon ka portfolio diversification test karenge. Chaliye dekhte hain ki dono fundon ka asset allocation aur top holdings concentration kitne hain. Fund A ka asset allocation T-Bills, CD, CP, aur Cash mein kitna hain. Fund B ka asset allocation Equity aur T-Bills mein kitna hain. Haan, Fund A ka portfolio adhik diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Axis Bluechip Fund
₹1872598.46
@19.7% 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 ka 5Y return 6.11% hai, jiska 3Y return 6.93% hai. Fund B ka 5Y return 5.62% hai, jiska 3Y return 19.68% hai. Haan, Fund A long-term wealth creation ke liye adhik achha hai.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 11.34 hai, jiska Sharpe ratio 1.16 hai. Fund A ka volatility 0.12 hai, jiska Sharpe ratio 3.58 hai. Haan, Fund A mein risk-adjusted returns adhik achhe hain.
Q3: Which fund is more cost‑effective?
Fund A ka expense ratio 0.12% hai, lekin Fund B ka 1.52% 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