ICICI Prudential Liquid Fund vs Bandhan 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
6.98%
Sach ye hai, liquid funds offer a low-risk investment option for short-term wealth creation. Fund A aur Fund B dono liquid funds hain, lekin kya fund aapke paas better returns dena seekhta hai? Is article mein hum Fund A aur Fund B ko compar karke dekhege.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Bandhan Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 39.33 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.58 | 4 |
| 1 Year Return (%) | 6.15% | 1.41% |
| 3 Year Return (%) | 6.93% | 6.98% |
| 5 Year Return (%) | 6.11% | 5.96% |
| Since Launch (%) | 6.84% | 8.53% |
| 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 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% | 251% |
🤖 AI Verdict – Which is Better?
Haan, Fund A ek bhi better fund hai. 3Y return, expense ratio aur risk ke baare mein dekha jaaye to Fund A better hai. Ismein 3Y return 6.93% hai, expense ratio 0.12% hai, aur riskometer low hai. Bandhan Mutual Fund Liquid Fund (Fund B) ka 3Y return 6.98% hai, lekin expense ratio bhi 0.12% hi hai. Fund A ka 5Y return 6.11% hai, jo Fund B ka 5.96% se accha 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Chaliye, SIP ke liye Fund A kya hai? Fund A ka 3Y return aur 5Y return thoda kam hai, lekin expense ratio low hai. Fund B ka 3Y return aur 5Y return Fund A se accha hai, lekin expense ratio bhi low hai. Fund A ka asset allocation thoda alag hai, ismein T-Bills 65% hain, jo Fund B ki tarah hai. Fund A ka Sharpe ratio 3.58 hai, jo Fund B ka 4 se kam hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke baare mein dekha jaaye to Fund A aur Fund B dono low-risk hain. Sharpe ratio ke baare mein dekha jaaye to Fund B kam hai. Expense ratio ke baare mein dekha jaaye to dono 0.12% hi hain. Fund A ka volatility 0.12 hai, jo Fund B ki tarah hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke baare mein dekha jaaye to dono fundon ka asset allocation alag-alag hai. Fund A mein T-Bills 65% hain, CD 20% hain, CP 10% hain, aur Cash 5% hai. Fund B mein bhi T-Bills 65% hain, CD 20% hain, CP 10% hain, aur Cash 5% hai. Top holdings concentration ke baare mein dekha jaaye to Fund A mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. Fund B mein bhi State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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?
Sach ye hai, Fund A ka 5Y return 6.11% hai, jo Fund B ka 5.96% se accha hai. Isliye, Fund A long run mein better returns dena seekhta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka Sharpe ratio 4 hai, jo Fund A ka 3.58 se kam hai. Isliye, Fund B ka higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai, dono fundon ka expense ratio 0.12% hai. Isliye, koi fund more cost-effective nahi 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