ICICI Prudential Liquid Fund vs Baroda BNP Paribas Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
14.62%
Dekho, aapko yeh pata hone mein hoga ki donon funds mein kya farq hai. Fund A ICICI Prudential Liquid Fund ek Liquid fund hai, jabki Fund B Baroda BNP Paribas Large Cap Fund ek Large Cap fund hai. Yeh article aapko bataega ki donon funds mein ki aapka paisa kahaan invest hoga. Chaliye shuru karte hain.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BBaroda BNP Paribas Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Baroda BNP Paribas |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 251.36 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.15 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.08 |
| Sharpe Ratio | 3.58 | 0.62 |
| 1 Year Return (%) | 6.15% | -0.15% |
| 3 Year Return (%) | 6.93% | 14.62% |
| 5 Year Return (%) | 6.11% | 11.06% |
| Since Launch (%) | 6.84% | 13.34% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 14 March 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Sanjay Chawla (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% | 34% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B Baroda BNP Paribas Large Cap Fund long-term mein aapke paisa ke liye behtar hai. Iska 3Y return 14.62% hai, jabki expense ratio 0.52% hai. Fund A ki 3Y return tooti hai 6.93%. Haan, Fund A ki riskometer Low hai, lekin yeh fund aapke paisa ke liye koi bada return nahi dega. Dekho, Fund B ki riskometer Very High hai, lekin iska 3Y return bada hai. Haan, volatility bhi high hai, lekin yeh fund aapke paisa ke liye behtar investment 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 Baroda BNP Paribas Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.62%
- AUM: 2.15 Lac Cr
- Sharpe Ratio: 0.62
📈 SIP Suitability
SIP ke liye Fund A better hai. Iska 1Y return 6.15% hai, jiska 5Y return tooti hai 6.11%. Fund B ka 1Y return tooti hai -0.15%, jiska 5Y return tooti hai 11.06%. Chaliye, Fund A ka return stable hai, jabki Fund B ka return upar or niche ho sakta hai. Haan, Fund A ki expense ratio 0.12% hai, jiska Fund B ki expense ratio 0.52% hai. Lekin, Fund A ka consistency aur return stability Fund B se behtar hai.
⚠️ Risk & Cost Analysis
Riskometer ki baat karein. Fund A ki riskometer Low hai, jaabki Fund B ki riskometer Very High hai. Lekin yeh nahi kahunga ki Fund A ka risk bada nahi hai. Fund A ki volatility tooti hai 0.12, jiska Fund B ki volatility tooti hai 13.08. Haan, Fund B ka Sharpe ratio bhi low hai, jiska Fund A ka Sharpe ratio 3.58 hai. Lekin, expense ratio ki baat karein. Fund A ka expense ratio 0.12% hai, jiska Fund B ka expense ratio 0.52% hai. Haan, yeh nahi kahunga ki Fund A ka expense ratio bada nahi hai. Fund B ka expense ratio 4 times Fund A ka expense ratio hai.
📊 Portfolio Diversification
Fund A ki asset allocation mein T-Bills 65% hai, CD 20% hai, CP 10% hai, aur Cash 5% hai. Fund B ki asset allocation mein Equity 96% hai, aur T-Bills 4% hai. Haan, Fund A ka asset allocation bada diversified hai. Fund A mein T-Bills aur CD ki concentration tooti hai 65% aur 20%. Fund B mein Equity ki concentration tooti hai 96%. Dekho, Fund A ka asset allocation bada stable hai, jabki Fund B ka asset allocation bada unstable hai. Haan, Fund A ka sector risk bada nahi hai, lekin Fund B ka sector risk bada hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Baroda BNP Paribas Large Cap Fund
₹1361101.96
@14.6% 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 Baroda BNP Paribas Large Cap Fund 5Y return mein 11.06% hai, jabki Fund A ICICI Prudential Liquid Fund 5Y return mein 6.11% hai. Isliye, Fund B Fund A se behtar hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki volatility tooti hai 13.08, jiska Fund A ki volatility tooti hai 0.12. Lekin, Fund B ka Sharpe ratio 0.62 hai, jiska Fund A ka Sharpe ratio 3.58 hai. Isliye, Fund B ka risk-adjusted return Fund A se behtar hai.
Q3: Which fund is more cost-effective?
Fund A ki expense ratio 0.12% hai, jiska Fund B ki expense ratio 0.52% hai. Isliye, Fund A Fund B se 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