ICICI Prudential Liquid Fund vs Groww 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
6.93%
Dekho, aapko do liquid funds ke beech mein comparison karni hai. Yeh do funds ICICI Prudential Liquid Fund aur Groww Mutual Fund Liquid Fund hain. Ye dono low-risk fund hain aur unka aim hai ki aapke paisa safe rehta hai. Chaliye, aaj hum in dono funds ke beech mein comparison karenge.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Groww Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.58 | 3.91 |
| 1 Year Return (%) | 6.15% | 6.17% |
| 3 Year Return (%) | 6.93% | 6.93% |
| 5 Year Return (%) | 6.11% | 6.11% |
| Since Launch (%) | 6.84% | 50.63% |
| 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) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Haan, in dono funds ka 3Y return 6.93% hai, lekin Expense Ratio mein ICICI Prudential Liquid Fund kam hai. Riskometer bhi dono funds mein low hai, lekin Sharpe ratio mein Groww Mutual Fund Liquid Fund kam hai. Sach ye hai, Groww Mutual Fund Liquid Fund long-term wealth creation ke liye better 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP suitability ke liye hum 10+ years ke liye monthly SIP ke liye fund ka comparison karenge. Dekho, Groww Mutual Fund Liquid Fund ka consistency aur return stability ICICI Prudential Liquid Fund se thoda kam hai. Lekin, haan, Groww Mutual Fund Liquid Fund ka 3Y return ICICI Prudential Liquid Fund se adhik hai. Chaliye, yeh fund aapke 10+ years ke liye monthly SIP ke liye aapko accha lagta hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio mein hum dono funds ka comparison karenge. Dekho, ICICI Prudential Liquid Fund ka Sharpe ratio 3.58 hai, jo Groww Mutual Fund Liquid Fund se adhik hai. Lekin, volatility mein Groww Mutual Fund Liquid Fund kam hai. Haan, expense ratio mein dono funds kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum dono funds ka comparison karenge. Dekho, dono funds ka asset allocation 65% T-Bills, 20% CD, 10% CP aur 5% cash hai. Lekin, top holdings concentration mein ICICI Prudential Liquid Fund ka State Bank of India CD aur HDFC Bank CD ka concentration thoda adhik hai. Haan, Reliance Industries T-Bills ka concentration mein dono funds mein kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% 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, dono funds ka 5Y return 6.11% hai, lekin ICICI Prudential Liquid Fund ka 3Y return Groww Mutual Fund Liquid Fund se kam hai. Haan, Groww Mutual Fund Liquid Fund ka Sharpe ratio ICICI Prudential Liquid Fund se adhik hai. Lekin, haan, ICICI Prudential Liquid Fund ka 5Y return Groww Mutual Fund Liquid Fund se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, volatility mein Groww Mutual Fund Liquid Fund kam hai, lekin Sharpe ratio mein ICICI Prudential Liquid Fund adhik hai. Sach ye hai, ICICI Prudential Liquid Fund ka Sharpe ratio Groww Mutual Fund Liquid Fund se adhik hai, jisse yeh fund aapke paisa ko adhik return de sakta hai.
Q3: Which fund is more cost-effective?
Haan, expense ratio mein dono funds kam hai. Lekin, haan, ICICI Prudential Liquid Fund ka expense ratio Groww Mutual Fund Liquid Fund se kam hai. Sach ye hai, ICICI Prudential Liquid Fund ka expense ratio 0.12% hai, jisse yeh fund aapke paisa ko adhik return de sakta 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