ICICI Prudential Liquid Fund vs Franklin Templeton Flexi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
14.63%
Aaj hum aise dono funds ke beech ka pechhe chalenge jo apne investors ke paas naye investment options ke taur par aaye hain. Fund A ICICI Prudential Liquid Fund hai jo liquid category mein aata hai aur Fund B Franklin Templeton Flexi Cap Fund hai jo flexi cap category mein aata hai. Is article mein hum dono funds ke beech ka comparison karenge aur dekhein ki kis fund mein long-term wealth creation ke liye investment karna achha hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BFranklin Templeton Flexi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Franklin Templeton |
| Category | Liquid | Flexi Cap |
| NAV (₹) | 411.88 | 110.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.96% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.27 |
| Sharpe Ratio | 3.58 | 0.57 |
| 1 Year Return (%) | 6.15% | -2.38% |
| 3 Year Return (%) | 6.93% | 14.63% |
| 5 Year Return (%) | 6.11% | 12.31% |
| Since Launch (%) | 6.84% | 14.46% |
| 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) | Anand Radhakrishnan (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.2%), ICICI Bank Ltd. (6.9%), Infosys Ltd. (5.5%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 95.00% | T-Bills: 5.00% |
| Portfolio Turnover | 241% | 48% |
🤖 AI Verdict – Which is Better?
Haan, dono funds ki pehchaan karne ke baad, humein lagta hai ki Fund A ICICI Prudential Liquid Fund kis tarah se better hai. Fund A ka 3Y return 6.93% hai jo Fund B ka 3Y return 14.63% se kam hai. Iske alawa, Fund A ka expense ratio 0.12% hai jo Fund B ka expense ratio 0.96% se kam hai. Aur, Fund A ka riskometer low hai jo Fund B ka riskometer very high hai. Isliye, hum Fund A ko long-term wealth creation ke liye better fund maante 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 Franklin Templeton Flexi Cap Fund?
- Expense ratio: 0.96%
- 3Y return: 14.63%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.57
📈 SIP Suitability
Chaliye, hum dono funds ke SIP suitability ko dekhte hain. Fund A ka SIP consistency aur return stability ke liye better hai. Fund A ka 1Y return 6.15% hai aur Fund B ka 1Y return -2.38% hai. Isliye, Fund A ka monthly SIP 10+ saal ke liye better hai.
⚠️ Risk & Cost Analysis
Lekin, humein is baat par dhyan dekar bhi nahi chhodna chahiye ki Fund A ka riskometer low hai lekin Fund B ka high hai. Fund B ka volatility 14.27 hai jo Fund A ka volatility 0.12 se bahut zyada hai. Iske alawa, Fund B ka Sharpe ratio 0.57 hai jo Fund A ka Sharpe ratio 3.58 se kam hai. Isliye, Fund B high risk aur low return hai.
📊 Portfolio Diversification
Dekho, Fund A ka asset allocation T-Bills 65%, CD 20%, CP 10%, aur cash 5% hai. Iske alawa, Fund A ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. Fund B ka asset allocation equity 95% aur T-Bills 5% hai. Iske alawa, Fund B ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Infosys Ltd. hain. Isliye, Fund A ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Franklin Templeton Flexi Cap Fund
₹1361937.60
@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?
Sach ye hai ki Fund A ka 5Y return 6.11% hai jo Fund B ka 5Y return 12.31% se kam hai. Isliye, Fund B long run mein better returns nahi deta.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka riskometer very high hai lekin yeh fund high return de sakta hai. Iske alawa, Fund B ka Sharpe ratio 0.57 hai jo Fund A ka Sharpe ratio 3.58 se kam hai. Isliye, Fund B ki high risk aur low return ke beech saamna karna zaroori hai.
Q3: Which fund is more cost-effective?
Isliye, Fund A ka expense ratio 0.12% hai jo Fund B ka expense ratio 0.96% se kam hai. Isliye, Fund A 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