ICICI Prudential Liquid Fund vs DSP 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, aapke paas do mutual funds hain - ICICI Prudential Liquid Fund aur DSP Mutual Fund Large Cap Fund. Fund A ek liquid fund hai, jabki Fund B ek large cap fund hai. Chaliye, aaj hum jaante hain ki in dono funds ke beech kya aisi tareekon se kai aisi tareekon se farq hai aur kis fund se kis tarah ka lene ka faisla karna chahiye.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BDSP Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | DSP Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.82 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.97 |
| Sharpe Ratio | 3.58 | 0.69 |
| 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) | Atul Bhole (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% | 23% |
🤖 AI Verdict – Which is Better?
haan, to our verdict hai ki Fund A ICICI Prudential Liquid Fund bhi hai. Iska reason hai ki yeh Fund B ke 3Y return aur expense ratio se bhi accha hai, aur yeh Fund B ki riskometer se kam hai. Dekho, yeh sabhi cheezein Fund A ko yeh fund long-term wealth creation ke liye behtar banati 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 DSP Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.82 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
dekho, agar aap ek monthly SIP ke liye 10+ saal ke liye invest karna chahte hain, to Fund A hi accha hai. Iska reason hai ki yeh fund ki return stability aur consistency Fund B se zyada hai. Lekin, yeh fund ki returns Fund B ki 1Y return se kam hain, lekin 3Y aur 5Y return mein yeh Fund B se behtar hai.
⚠️ Risk & Cost Analysis
dekho, Fund A ki riskometer very low hai, aur yeh fund ki volatility bhi kam hai. Lekin, Fund B ki riskometer very high hai, aur yeh fund ki volatility bhi zyada hai. Sharpe ratio ke hisab se bhi Fund A behtar hai. Isliye, Fund A ki expenses ratio Fund B se kam hai aur yeh fund offer karta hai behtar risk-adjusted returns. sach ye hai ki Fund A ki expenses ratio Fund B se kam hai, aur yeh fund offer karta hai behtar risk-adjusted returns.
📊 Portfolio Diversification
dekho, Fund A ka asset allocation Fund B se zyada diversified hai. Is fund me T-Bills, CD, CP, aur cash ki allocation hai, jabki Fund B me only equity aur T-Bills ki allocation hai. Isliye, Fund A ka portfolio diversified hai, aur yeh fund sector risk se bachta hai. lekin, Fund B ka portfolio khatarnaak hai, aur yeh fund sector risk se bachta hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
DSP 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?
dekho, Fund A ki 5Y return Fund B ki 5Y return se behtar hai. Fund A ki 3Y return bhi Fund B ki 3Y return se behtar hai. lekin, Fund B ki 1Y return kam hai. sach ye hai ki Fund A ki 5Y return Fund B ki 5Y return se behtar hai.
Q2: Is the higher risk fund worth it?
dekho, Fund B ki volatility Fund A ki volatility se zyada hai, aur yeh fund ki riskometer very high hai. Lekin, Fund A ki Sharpe ratio Fund B ki Sharpe ratio se behtar hai. Isliye, Fund A ki expenses ratio Fund B se kam hai, aur yeh fund offer karta hai behtar risk-adjusted returns. sach ye hai ki Fund A ki expenses ratio Fund B se kam hai.
Q3: Which fund is more cost-effective?
dekho, Fund A ki expenses ratio Fund B ki expenses ratio se kam hai. Isliye, Fund A cost-effective hai. lekin, Fund B ki 1Y return kam hai. sach ye hai ki Fund A ki expenses ratio Fund B ki expenses ratio 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