ICICI Prudential Liquid Fund vs HDFC Infra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
7.4%
Dekho, today hum do fundon ki tulna karenge - ICICI Prudential Liquid Fund aur HDFC Infra Fund. Ye donon fund alag-alag categories mein hain - Liquid aur Thematic. Aapko maloom ho jaayega ki kin fund mein long-term dhan vikas ke liye investment karna hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BHDFC Infra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HDFC Mutual Fund |
| Category | Liquid | Thematic |
| NAV (₹) | 411.88 | 33.77 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.19 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.5% |
| Riskometer | Low | Moderate |
| Volatility | 0.12 | 14.88 |
| Sharpe Ratio | 3.58 | 0.06 |
| 1 Year Return (%) | 6.15% | 6.36% |
| 3 Year Return (%) | 6.93% | 7.4% |
| 5 Year Return (%) | 6.11% | 6.49% |
| Since Launch (%) | 6.84% | 6.63% |
| 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) | Roshi Jain (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Infrastructure 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. (5.8%), ICICI Bank Ltd. (5.2%), Larsen & Toubro Ltd. (4.9%) |
| 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% | 35% |
🤖 AI Verdict – Which is Better?
Chaliye, hum apne verdict par aaye. Jo fund long-term dhan vikas ke liye sabse accha hai, woh hai HDFC Infra Fund. Ye fund 3Y return mein se jeeta hai, expense ratio ki dekhein to yeh bhi kam hai, aur riskometer low hai, lekin in sabse bhi, ye fund 3Y mein se sabse zyada return diya hai, aur expense ratio bhi thoda kam hai. Haan, sach ye 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 Infra Fund?
- Expense ratio: 0.5%
- 3Y return: 7.4%
- AUM: 2.19 Lac Cr
- Sharpe Ratio: 0.06
📈 SIP Suitability
SIP ke liye fund ka chayan karna zaroori hai. Dekho, HDFC Infra Fund kam volatility hai, lekin Fund A ki consistency bhi bahut acchi hai. Lekin, agar aap 10+ saal ke SIP ke liye chayan karte hain, to Fund A jyada stable returns de raha hai. Chaliye, yeh aapke investment style par nirbhar karta hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye dekho, to Fund A jyada kam risk hai. Sharpe ratio ki dekhein, to bhi Fund A jeeta hai. Expense ratio ke liye dekho, to Fund A jyada kam hai. Haan, yeh sab bataata hai ki Fund A ki risk-adjusted returns bhi acchi hain.
📊 Portfolio Diversification
Asset allocation aur top holdings ki tulna karein. Dekho, Fund A ki asset allocation jyada diversified hai. T-Bills, CD, CP, aur cash sabhi mein investment hai. Lekin, top holdings ki tulna karein, to HDFC Infra Fund jyada diversified hai. Ye fund 3 companies mein investment karte hain, lekin Fund A ki top holdings mein 3 companies ka share jyada hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
HDFC Infra Fund
₹890195.03
@7.4% 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 Infra Fund 5Y return mein se jeeta hai, aur 3Y return mein bhi yeh Fund A se jeeta hai, lekin 5Y return ki tulna karein, to Fund A jeeta hai.
Q2: Is the higher risk fund worth it?
HDFC Infra Fund ki volatility jyada hai, lekin Sharpe ratio Fund A ki hai. Haan, yeh fund jyada risk hai, lekin yeh bhi jyada return de raha hai.
Q3: Which fund is more cost-effective?
Fund A ki expense ratio HDFC Infra Fund ki kam hai, lekin expense ratio hi hai hi nahi, yeh fund jyada 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