ICICI Prudential Liquid Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
16.22%
Chaliye, dekho! Aaj hum do funds ke beech comparison karne ja rahe hain - ICICI Prudential Liquid Fund aur HDFC ELSS Tax Saver Fund. Ye dono funds alag-alag categories mein aate hain, lekin aapko pata hai ki aapko long term mein paisa bachane ke liye sirf koi ek fund hi chahiye. Isliye, hamne ye do funds compare karne ka faisla kiya hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HDFC Mutual Fund |
| Category | Liquid | ELSS |
| NAV (₹) | 411.88 | 1325.00 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.24% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.3 |
| Sharpe Ratio | 3.58 | 0.73 |
| 1 Year Return (%) | 6.15% | -5.24% |
| 3 Year Return (%) | 6.93% | 16.22% |
| 5 Year Return (%) | 6.11% | 16.62% |
| Since Launch (%) | 6.84% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 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%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 241% | 32% |
🤖 AI Verdict – Which is Better?
Sach ye hai, ek fund ka long term mein performance kai factors par nirbhar karta hai. Haan, humne 3Y return, expense ratio aur risk ke hisaab se fund ka verdict diya hai. Agar aap long term mein paisa bachana chahte hain, to HDFC ELSS Tax Saver Fund aapke liye better hai. Ye fund 16.22% 3-sal mein return diya hai, lekin expense ratio 1.24% hai. Dusri taraf, ICICI Prudential Liquid Fund ka expense ratio 0.12% hai, lekin 3Y return 6.93% 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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Agar aap monthly SIP ke maadhyam se paisa bachana chahte hain, to hum kahaenge ki ICICI Prudential Liquid Fund aapke liye better hai. Ye fund consistent returns deti hai aur volatility bahut kam hai. HDFC ELSS Tax Saver Fund ka volatility 13.3 hai, jiski wajah se ye fund SIP ke liye thoda riski hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se dekha jaye, to ICICI Prudential Liquid Fund aapke liye better hai. Ye fund low riskometer rank hai aur volatility 0.12 hai. HDFC ELSS Tax Saver Fund ka riskometer high hai aur volatility 13.3 hai. Sharpe ratio bhi ICICI Prudential Liquid Fund ka support karta hai, jo 3.58 hai. HDFC ELSS Tax Saver Fund ka Sharpe ratio 0.73 hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se dekha jaye, to ICICI Prudential Liquid Fund aapke liye better hai. Ye fund asset allocation mein T-Bills, CD, CP aur cash ka mix hai, jiska effect koi bhi sector par nahin padta hai. HDFC ELSS Tax Saver Fund ka asset allocation mein equity ka 96.57% hai, jo riski ho sakta hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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?
HDFC ELSS Tax Saver Fund 16.62% 5-sal mein return diya hai, jabki ICICI Prudential Liquid Fund 6.11% return diya hai.
Q2: Is the higher risk fund worth it?
HDFC ELSS Tax Saver Fund ka volatility 13.3 hai, jiski wajah se ye fund riski hai. Sharpe ratio bhi 0.73 hai, jo low hai.
Q3: Which fund is more cost-effective?
ICICI Prudential Liquid Fund ka expense ratio 0.12% hai, jo HDFC ELSS Tax Saver Fund ka expense ratio 1.24% se 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