ICICI Prudential Liquid Fund vs DSP 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
6.77%
Aaj hum do mutual fund scheme ke beech ki tulna karenge - ICICI Prudential Liquid Fund aur DSP Mutual Fund Liquid Fund. Ye donon fund liquid category me hain, lekin unka performance aur asset allocation alag-alag hain. Is article me hum aapko donon fund ke bare me jaankari degen aur aapko pata chal jayega ki kis fund me nivesh karna chahiye.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | DSP Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 89.77 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.58 | 2.25 |
| 1 Year Return (%) | 6.15% | 2.95% |
| 3 Year Return (%) | 6.93% | 6.77% |
| 5 Year Return (%) | 6.11% | 5.92% |
| Since Launch (%) | 6.84% | 6.91% |
| 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 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% | 243% |
🤖 AI Verdict – Which is Better?
Humara verdict hai ki ICICI Prudential Liquid Fund betar hai 3Y return aur expense ratio ke hisaab se. Lekin, DSP Mutual Fund Liquid Fund ka 5Y return kafi achha hai. Sach ye hai ki fund ke expense ratio ka bhi bahut bada role hai long-term wealth creation me. Dekho, ICICI Prudential Liquid Fund ka expense ratio 0.12% hai, jabki DSP Mutual Fund Liquid Fund ka expense ratio bhi 0.12% hai. Donon fund ka riskometer low hai, lekin ICICI Prudential Liquid Fund ka Sharpe ratio 3.58 hai, jo DSP Mutual Fund Liquid Fund ka Sharpe ratio 2.25 se bada 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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
SIP ke liye, hum ICICI Prudential Liquid Fund ka hi suggestion karenge. Is fund ka 3Y return 6.93% hai, jo DSP Mutual Fund Liquid Fund ka 3Y return 6.77% se bada hai. Iske alawa, ICICI Prudential Liquid Fund ka expense ratio bhi kam hai. Lekin, sabse accha hai ki is fund ka asset allocation bahut stable hai, jisse SIP ke liye bhi yeh fund acha hai.
⚠️ Risk & Cost Analysis
Donon fund ka riskometer low hai, lekin ICICI Prudential Liquid Fund ka volatility 0.12 hai, jo DSP Mutual Fund Liquid Fund ka volatility 0.12 se bada hai. Lekin, Sharpe ratio ke hisaab se, ICICI Prudential Liquid Fund betar hai. Iske alawa, expense ratio ke hisaab se bhi ICICI Prudential Liquid Fund betar hai. Dekho, is fund ka expense ratio 0.12% hai, jabki DSP Mutual Fund Liquid Fund ka expense ratio bhi 0.12% hai.
📊 Portfolio Diversification
Donon fund ka asset allocation alag-alag hai, lekin ICICI Prudential Liquid Fund ka asset allocation bahut stable hai. Is fund ka 65% T-Bills, 20% CD, 10% CP, aur 5% cash mein investment hai. Lekin, DSP Mutual Fund Liquid Fund ka top holdings concentration bhi bahut jyada hai. Is fund ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Dekho, is fund ka asset allocation bhi bahut jyada concentration hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@6.8% 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?
ICICI Prudential Liquid Fund ka 5Y return 6.11% hai, jo DSP Mutual Fund Liquid Fund ka 5Y return 5.92% se bada hai. Isse hum samajh sakte hain ki ICICI Prudential Liquid Fund long run me better returns de sakta hai.
Q2: Is the higher risk fund worth it?
Haan, ICICI Prudential Liquid Fund ka Sharpe ratio 3.58 hai, jo DSP Mutual Fund Liquid Fund ka Sharpe ratio 2.25 se bada hai. Isse hum samajh sakte hain ki ICICI Prudential Liquid Fund me risk-adjusted returns zyada hain.
Q3: Which fund is more cost-effective?
ICICI Prudential Liquid Fund aur DSP Mutual Fund Liquid Fund donon ka expense ratio 0.12% hai, isliye koi fund cost-effective nahin hai. Lekin, sabse accha hai ki donon fund ki expense ratio 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