ICICI Prudential Liquid Fund vs Canara Robeco Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.96%
Agar aapke paas hai ₹1 lakh aur aapko sabse achha investment option chahiye, toh aaj hum do liquid funds ke beech ka comparison karne ja rahe hain - ICICI Prudential Liquid Fund aur Canara Robeco Liquid Fund. Dekho, kya aapke paas fund ki zaroorat hai?
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BCanara Robeco Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Canara Robeco |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 3337.33 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.95 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.58 | 4.18 |
| 1 Year Return (%) | 6.15% | 6.22% |
| 3 Year Return (%) | 6.93% | 6.96% |
| 5 Year Return (%) | 6.11% | 6.13% |
| Since Launch (%) | 6.84% | 6.72% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Shridatta Bhandwaldar (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% | 223% |
🤖 AI Verdict – Which is Better?
Haan, fund A, ICICI Prudential Liquid Fund, 3Y return mein better hai. Lekin expense ratio bhi kam hai. Isliye, hum fund A ko long-term wealth creation ke liye better fund ke roop mein dekh rahe hain.
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 Canara Robeco Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.96%
- AUM: 3.95 Lac Cr
- Sharpe Ratio: 4.18
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye aapko fund A chunna chahiye. Ismein 3Y return stable hai aur expense ratio kam hai. Lekin fund B bhi accha hai. Aapke liye dono funds mein SIP lagane ka fayda ho sakta hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se dono funds low-risk hain. Lekin volatility ke hisab se fund A slightly higher hai. Sharpe ratio ke hisab se fund B better hai. Iske alawa, expense ratio bhi fund B mein kam hai. Isliye, fund B aapke liye better risk-adjusted returns offer kar sakta hai.
📊 Portfolio Diversification
Asset allocation ke hisab se dono funds identical hain. T-Bills mein 65% investment hai, CD mein 20%, CP mein 10% aur cash mein 5%. Lekin top holdings mein State Bank of India CD aur HDFC Bank CD dono mein 8.5% investment hai. Isliye, dono funds mein sector risk hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Canara Robeco Liquid Fund
₹868530.05
@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?
5Y return ke hisab se fund A aur fund B mein 6.11% aur 6.13% returns hai. Isliye, fund B slightly better hai.
Q2: Is the higher risk fund worth it?
Volatility ke hisab se fund A slightly higher risk hai. Sharpe ratio ke hisab se fund B better hai. Isliye, fund B aapke liye better risk-adjusted returns offer kar sakta hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisab se fund B kam hai. Isliye, fund B aapke liye more 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