ICICI Prudential Liquid Fund vs Axis Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
17.52%
Apunke paisa invest karna hai, lekin koi fund chunna mushkil hai. Dekho, hum aaj Fund A aur Fund B ka comparison karke dekhte hain. Fund A ICICI Prudential Liquid Fund hai, jo khaas kar risk-free returns deti hai. Fund B Axis Small Cap Fund hai, jo small cap stokon par invest karta hai aur risk high hai. Chaliye, aaj hum iske comparison ka review karte hain aur dekhte hain ki kiski pehchaan karni hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BAxis Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Axis Mutual Fund |
| Category | Liquid | Small Cap |
| NAV (₹) | 411.88 | 124.14 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.74 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.92% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 17.03 |
| Sharpe Ratio | 3.58 | 0.65 |
| 1 Year Return (%) | 6.15% | 4.52% |
| 3 Year Return (%) | 6.93% | 17.52% |
| 5 Year Return (%) | 6.11% | 18.04% |
| Since Launch (%) | 6.84% | 22.39% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 5 December 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Krishnaa Narayan; Mayank Hyanki; Tejas Sheth (2.8 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | CCL Products (India) Ltd. (2.79%), Krishna Institute of Medical Sciences Ltd (2.47%), JB Chemicals & Pharmaceuticals Ltd. (2.23%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 88.35% | ID: 1.76% | T-Bills: 0.55% |
| Portfolio Turnover | 241% | 12% |
🤖 AI Verdict – Which is Better?
Haan, fund chunna mushkil hai, lekin sach ye hai ki Fund B Axis Small Cap Fund long-term wealth creation ke liye better hai. Ye fund 3Y return ke hisaab se 17.52% return deti hai, jo Fund A ki 3Y return se jyada hai. Lekin expense ratio aur risk ke hisaab se, Fund A better hai. Dekho, expense ratio Fund A mein 0.12% hai, jo Fund B ki 0.92% se kam hai. Isliye, Fund A long-term mein aapke paisa ke liye better 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 Small Cap Fund?
- Expense ratio: 0.92%
- 3Y return: 17.52%
- AUM: 2.74 Lac Cr
- Sharpe Ratio: 0.65
📈 SIP Suitability
SIP invest karna aapke paisa ko grow karne ka sabse behtar tareeka hai. Lekin yeh fund kiski pehchaan karni hai? Fund A mein consistency aur return stability thodi acchi hai, lekin Fund B mein 3Y return jyada hai. Chaliye, Fund A ko monthly SIP ke liye better mana jata hai, lekin Fund B ka 10+ years mein return bhi bahut achha hai.
⚠️ Risk & Cost Analysis
Haan, risk aur cost analysis karna zaroori hai. Fund A mein riskometer low hai, lekin Fund B mein riskometer very high hai. Isliye, Fund B mein risk jyada hai. Lekin Sharpe ratio ke hisaab se, Fund B ke risk-adjusted returns kuch acche hain. Isliye, Fund B ko kisi aur fund se compare karne ke liye better hai.
📊 Portfolio Diversification
Portfolio diversification karna koi bhi fund ke liye zaroori hai. Fund A mein asset allocation very good hai. Yeh fund 65% T-Bills, 20% CD, 10% CP aur 5% cash mein invest karta hai. Isliye, iska asset allocation bahut achha hai. Fund B mein asset allocation 88.35% equity, 1.76% ID aur 0.55% T-Bills mein hai. Isliye, iska asset allocation Fund A se thoda kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Axis Small Cap Fund
₹1630847.06
@17.5% 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 Axis Small Cap Fund 5Y mein 18.04% return deti hai, jo Fund A ki 6.11% se jyada hai. Isliye, Fund B long run mein better hai.
Q2: Is the higher risk fund worth it?
Fund B ke risht se, volatility thoda jyada hai, lekin Sharpe ratio bhi thoda accha hai. Isliye, Fund B ka risk-adjusted returns kuch acche hain.
Q3: Which fund is more cost-effective?
Fund A ki expense ratio 0.12% hai, jo Fund B ki 0.92% se kam hai. Isliye, 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