ICICI Prudential Liquid Fund vs Axis ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
11.66%
Dekho, aaj hum Fund A aur Fund B ko compare karne wale hain. Fund A ICICI Prudential Liquid Fund - Direct Plan - Growth hai, jo liquid category mein aata hai. Fund B Axis ELSS Tax Saver Fund - Direct Plan - Growth hai, jo ELSS category mein aata hai. Aaj hum jaane wale hain ki yeh do funds kis tarah se aapke puraane paiso ko behtar jagah par laga sakte hain.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BAxis ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Axis Mutual Fund |
| Category | Liquid | ELSS |
| NAV (₹) | 411.88 | 104.77 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.16 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.66% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.4 |
| Sharpe Ratio | 3.58 | 0.39 |
| 1 Year Return (%) | 6.15% | -2.52% |
| 3 Year Return (%) | 6.93% | 11.66% |
| 5 Year Return (%) | 6.11% | 8.43% |
| Since Launch (%) | 6.84% | 15.62% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Ashish Naik; Shreyash Devalkar (2.8 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | ICICI Bank Ltd. (7.04%), HDFC Bank Ltd. (5.64%), Bharti Airtel Ltd. (4.32%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.56% |
| Portfolio Turnover | 241% | 14% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A aur Fund B dono ki kuch alag baatein hain. Fund A ka 3Y return 6.93% hai, jiska mazaak nahi hai. Lekin expense ratio bhi thoda jyada hai, 0.12% hai. Fund B ka 3Y return thoda kam hai, 11.66% hai lekin expense ratio 1.66% hai. Dekho, riskometer bhi bahut alag hai, Fund A ka riskometer low hai aur Fund B ka very high hai. Haan, yeh sahi hai ki Fund A long term mein achha performance de sakta hai lekin Fund B ko risk ka saamna karna pad sakta 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 ELSS Tax Saver Fund?
- Expense ratio: 1.66%
- 3Y return: 11.66%
- AUM: 3.16 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
SIP suitability ke liye hum dekhenge ki Fund A aur Fund B dono ki consistency aur return stability kitni hai. Fund A ka 1Y return 6.15% hai, 3Y return 6.93% hai aur 5Y return 6.11% hai. Fund B ka 1Y return -2.52% hai, 3Y return 11.66% hai aur 5Y return 8.43% hai. Chaliye, Fund A ki consistency aur return stability Fund B se zyada hai. Isliye, Fund A aapke monthly SIP ke liye behtar fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karke hum dekhenge ki Fund A aur Fund B dono ki risk-adjusted returns kitni hai. Fund A ka riskometer low hai, volatility 0.12 hai, Sharpe ratio 3.58 hai aur expense ratio 0.12% hai. Fund B ka riskometer very high hai, volatility 13.4 hai, Sharpe ratio 0.39 hai aur expense ratio 1.66% hai. Haan, yeh sahi hai ki Fund A ka risk-adjusted returns Fund B se behtar hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karke hum dekhenge ki Fund A aur Fund B dono ki portfolio diversification kitni hai. Fund A ka asset allocation T-Bills mein 65%, CD mein 20%, CP mein 10% aur cash mein 5% hai. Fund B ka asset allocation equity mein 97.56% hai. Chaliye, Fund A ka asset allocation Fund B se zyada diversified hai. Isliye, Fund A ka sector risk Fund B se kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Axis ELSS Tax Saver Fund
₹1138461.04
@11.7% 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?
Answer: Fund A ka 5Y return 6.11% hai jiska mazaak nahi hai, lekin Fund B ka 3Y return 11.66% hai. Haan, Fund B ka 5Y return 8.43% hai jiska mazaak nahi hai. Lekin Fund A ka consistency aur return stability Fund B se zyada hai.
Q2: Is the higher risk fund worth it?
Answer: Nahi, Fund B ka riskometer very high hai aur volatility 13.4 hai. Haan, Fund A ka risk-adjusted returns Fund B se behtar hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ka expense ratio 0.12% hai jiska mazaak nahi hai, lekin Fund B ka expense ratio 1.66% hai. Haan, Fund A 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