ICICI Prudential Liquid Fund vs Groww Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
20.86%
Dekho, aaj hum do mutual funds ke beech comparison kar rahe hain: ICICI Prudential Liquid Fund aur Groww Mutual Fund Multi Cap Fund. Ye donon funds alag-alag categories mein hain, lekin inki characteristics aur performance ko compare karne se aapko pata chalega ki kis fund mein sip karne ke liye kya hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BGroww Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Groww Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 411.88 | 19.01 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.84 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.95 |
| Sharpe Ratio | 3.58 | 1.11 |
| 1 Year Return (%) | 6.15% | 5.23% |
| 3 Year Return (%) | 6.93% | 20.86% |
| 5 Year Return (%) | 6.11% | 0.27% |
| Since Launch (%) | 6.84% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 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. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 241% | 26% |
🤖 AI Verdict – Which is Better?
Haan, humari verdict hai ki ICICI Prudential Liquid Fund zyada achha hai long-term wealth creation ke liye. Ye fund 3Y return mein 6.93% ka return de raha hai, jo zyada hai Groww Mutual Fund Multi Cap Fund ke 20.86% ke mukabale. Iske alawa, ICICI Prudential Liquid Fund ki expense ratio 0.12% hai, jo Groww Mutual Fund Multi Cap Fund ki 1.68% se kam hai. Aur riskometer ke hisaab se, ICICI Prudential Liquid Fund zyada secure 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.84 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
Chaliye, hum SIP suitabiilty ke liye dekhte hain. ICICI Prudential Liquid Fund ko monthly SIP ke liye zyada achha fund mana ja sakta hai kyonki yeh fund consistent return de raha hai aur isme koi bada jatilata nahin hai. Isse aapko long-term ke liye better returns mil sakte hain.
⚠️ Risk & Cost Analysis
Lekin, Groww Mutual Fund Multi Cap Fund ka riskometer very high hai, jo ICICI Prudential Liquid Fund ke low riskometer ke mukabale hai. Iske alawa, Groww Mutual Fund Multi Cap Fund ki volatility 12.95 hai, jo ICICI Prudential Liquid Fund ki 0.12 se kam hai. Sharpe ratio ke hisaab se bhi, ICICI Prudential Liquid Fund better hai. Isliye, risk-cost analysis ke hisaab se, ICICI Prudential Liquid Fund zyada achha hai.
📊 Portfolio Diversification
Sach ye hai, portfolio diversification ke liye hum asset allocation aur top holdings concentration dekhe hain. ICICI Prudential Liquid Fund ka asset allocation 65% T-Bills mein hai, jo zyada diversified hai. Iske alawa, ICICI Prudential Liquid Fund ka top 3 holdings concentration 24.5% hai, jo Groww Mutual Fund Multi Cap Fund ke 18.2% se zyada hai. Isliye, ICICI Prudential Liquid Fund ka portfolio zyada diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Groww Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
ICICI Prudential Liquid Fund ka 5Y return 6.11% hai, jo Groww Mutual Fund Multi Cap Fund ke 0.27% se kam hai. Isliye, ICICI Prudential Liquid Fund aapko better long-term returns de sakta hai.
Q2: Is the higher risk fund worth it?
Groww Mutual Fund Multi Cap Fund ka riskometer very high hai, lekin sharpe ratio 1.11 hai, jo ICICI Prudential Liquid Fund ke 3.58 se kam hai. Isliye, yeh fund aapko zyada return de sakta hai, lekin yeh bhi zyada risk vahan hoga.
Q3: Which fund is more cost-effective?
ICICI Prudential Liquid Fund ki expense ratio 0.12% hai, jo Groww Mutual Fund Multi Cap Fund ke 1.68% se kam hai. Isliye, ICICI Prudential Liquid Fund aapko zyada cost-effective fund 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