ICICI Prudential Liquid Fund vs Bandhan Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
14.7%
Dekho, aaj humein do mutual funds ke beech ki comparison karna hai - ICICI Prudential Liquid Fund aur Bandhan Mutual Fund Large Cap Fund. Ye do funds alag-alag category ke hain, Liquid aur Large Cap. Hum aapko batayenge ki ye funds kis prakaar hain aur aapko kya seekhne ko milega.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BBandhan Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Bandhan Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.04 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.11 |
| Sharpe Ratio | 3.58 | 0.68 |
| 1 Year Return (%) | 6.15% | -4.02% |
| 3 Year Return (%) | 6.93% | 14.7% |
| 5 Year Return (%) | 6.11% | 12.03% |
| Since Launch (%) | 6.84% | 11.65% |
| 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) | Manish Gunwani (3.5 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% | 24% |
🤖 AI Verdict – Which is Better?
Haan, our verdict hai ki Bandhan Mutual Fund Large Cap Fund aapke liye long-term wealth creation ke liye achha fund hai. Iska reason hai ki ye fund 3Y return mein 14.7% return diya hai, jisse ye ICICI Prudential Liquid Fund se adhik accha hai. Lekin, lekin expense ratio mein Bandhan Mutual Fund Large Cap Fund 0.52% hai, jo ICICI Prudential Liquid Fund se adhik hai. Chaliye, ek baar phir dekhte hain ki Fund B kitna risk lene wala 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 Bandhan Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.04 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
Sach ye hai, SIP suitibility ke liye hum Fund B ke liye kahte hain ki aapko lagat se bachne ke liye ye fund accha hai. Iska reason hai ki Fund B ka 3Y return 14.7% hai, jisse ye Fund A se adhik hai. Lekin, lekin Fund B ka riskometer very high hai, jisse aapko risk lene ka mahaul ho sakta hai. Chaliye, ek baar phir dekhte hain ki riskometer kitna hi important hai.
⚠️ Risk & Cost Analysis
Haan, riskometer aur volatility ke liye hum Fund B ka riskometer very high hai, jisse ye Fund A se adhik risk wala hai. Lekin, lekin Fund B ka volatility 12.11 hai, jisse ye Fund A se adhik hai. Expense ratio mein bhi Fund B 0.52% hai, jisse ye Fund A se adhik hai. Lekin, lekin Fund B ka Sharpe ratio 0.68 hai, jisse ye Fund A se kam hai.
📊 Portfolio Diversification
Sach ye hai, Fund A ka asset allocation t-bills, CD, CP aur cash mein hai. Ye asset allocation Fund B se adhik diversified hai. Lekin, lekin Fund B ka asset allocation equity mein 96% hai, jisse sector risk ho sakta hai. Chaliye, ek baar phir dekhte hain ki asset allocation kitna hi important hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Bandhan Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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?
Bandhan Mutual Fund Large Cap Fund aapke liye long-term wealth creation ke liye accha fund hai. Iska reason hai ki ye fund 3Y return mein 14.7% return diya hai, jisse ye ICICI Prudential Liquid Fund se adhik accha hai.
Q2: Is the higher risk fund worth it?
Nahin, higher risk fund nahi hai worth. Fund B ka riskometer very high hai, jisse ye Fund A se adhik risk wala hai. Lekin, lekin Fund B ka Sharpe ratio 0.68 hai, jisse ye Fund A se kam hai.
Q3: Which fund is more cost-effective?
ICICI Prudential Liquid Fund aapke liye cost-effective hai. Iska reason hai ki fund ka expense ratio 0.12% hai, jisse ye Fund B se kam 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