ICICI Prudential Liquid Fund vs Franklin Templeton 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%
Kya aapke paas paisa hai aur aap iske liye investment karna chahte hain? Dekho, aaj hum do funds ka comparison karne ja rahe hain: ICICI Prudential Liquid Fund aur Franklin Templeton Large Cap Fund. Ye dono funds aapke liye different investment options hai, lekin kis fund se aapke paisa ka behtar return milega, yeh humein dekhna hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BFranklin Templeton Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Franklin Templeton |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.11 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.76 |
| Sharpe Ratio | 3.58 | 0.64 |
| 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) | Anand Radhakrishnan (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% | 31% |
🤖 AI Verdict – Which is Better?
Aaj hum chahte hain aapko batayein ki kis fund se aapke liye behtar hai long-term wealth creation ke liye. Toh hum 3Y return, expense ratio aur risk ki janch kar rahe hain. Dekho, Fund A ka 3Y return 6.93% hai, jiska 5Y return 6.11% hai. Isse pata chalta hai ki Fund A ka long-term performance accha hai. Lekin expense ratio 0.12% hai, jisase Fund B ke expense ratio 0.52% ke mukabla kam hai. Iske alawa, Fund A ka riskometer Low hai, jisase Fund B ka riskometer Very High hai. Haan, Fund A ka Sharpe ratio 3.58 hai, Fund B ka Sharpe ratio 0.64 hai. Sach ye hai, Fund A ka behtar performance hai long-term wealth creation ke liye.
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 Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.11 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
Aap monthly SIP karna chahte hain 10+ saal ke liye. Toh hum chahte hain pata karein ki kis fund se aapke liye behtar hai consistency aur return stability ke liye. Dekho, Fund A ka 1Y return 6.15% hai, Fund B ka 1Y return -4.02% hai. Isse pata chalta hai ki Fund A ka consistency accha hai. Lekin Fund B ka 3Y return 14.7% hai, jiska 5Y return 12.03% hai. Isse pata chalta hai ki Fund B ka long-term performance accha hai. Haan, Fund A ka volatility 0.12 hai, Fund B ka volatility 12.76 hai. Sach ye hai, Fund A ka consistency aur return stability ke liye behtar hai.
⚠️ Risk & Cost Analysis
Ab hum chahte hain pata karein ki kis fund se aapke liye behtar hai riskometer, volatility, Sharpe ratio, expense ratio ke mukabla. Dekho, Fund A ka riskometer Low hai, Fund B ka riskometer Very High hai. Isse pata chalta hai ki Fund A ka risk nahi hai. Lekin Fund A ka Sharpe ratio 3.58 hai, Fund B ka Sharpe ratio 0.64 hai. Isse pata chalta hai ki Fund A ka risk-adjusted returns accha hai. Haan, Fund A ka expense ratio 0.12% hai, Fund B ka expense ratio 0.52% hai. Isse pata chalta hai ki Fund A ka cost-effective hai. Sach ye hai, Fund A ka behtar hai risk-adjusted returns aur cost-effectiveness ke liye.
📊 Portfolio Diversification
Aapko portfolio ki diversification ke liye pata chahiye ki kis fund se aapke liye behtar hai. Dekho, Fund A ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, Cash: 5.00% hai. Isse pata chalta hai ki Fund A ka asset allocation diversified hai. Lekin Fund B ka asset allocation Equity: 96.00%, T-Bills: 4.00% hai. Isse pata chalta hai ki Fund B ka asset allocation nahi hai. Haan, Fund A ka top holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) hai, jiska Fund B ka top holdings HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) hai. Isse pata chalta hai ki Fund A ka top holdings concentration nahi hai. Sach ye hai, Fund A ka behtar hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Franklin Templeton 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?
Answer: Fund A ka 5Y return 6.11% hai, jiska 3Y return 6.93% hai. Fund B ka 5Y return 12.03% hai, jiska 3Y return 14.7% hai. Isse pata chalta hai ki Fund B ka long-term performance accha hai lekin Fund A ka consistency accha hai. Sach ye hai, Fund B ka long-term return better hai.
Q2: Is the higher risk fund worth it?
Answer: Fund B ka volatility 12.76 hai, jisake mukabla Fund A ka volatility 0.12 hai. Fund B ka Sharpe ratio 0.64 hai, jisake mukabla Fund A ka Sharpe ratio 3.58 hai. Isse pata chalta hai ki Fund A ka risk-adjusted returns accha hai aur Fund B ka risk nahi hai. Sach ye hai, Fund A ka higher risk fund worth nahi hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ka expense ratio 0.12% hai, jisake mukabla Fund B ka expense ratio 0.52% hai. Isse pata chalta hai ki Fund A ka cost-effective hai. Sach ye hai, Fund A ka behtar hai cost-effectiveness ke
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