ICICI Prudential Liquid Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
11.02%
Dekho, aapke paas do funds hain, Fund A ICICI Prudential Liquid Fund Direct Plan Growth aur Fund B HDFC Top 100 Fund Direct Plan Growth. Fund A ek liquid fund hai jiski category Liquid hai, jabki Fund B ek large cap fund hai jiski category Large Cap hai. Aaj hum in dono funds ki comparison karenge aur aapko batayenge kis fund ki aapko invest karna chahiye.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HDFC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 14.66 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.31% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.05 |
| Sharpe Ratio | 3.58 | 0.35 |
| 1 Year Return (%) | 6.15% | -2.86% |
| 3 Year Return (%) | 6.93% | 11.02% |
| 5 Year Return (%) | 6.11% | 10.33% |
| Since Launch (%) | 6.84% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Rahul Baijal; Roshi Jain (4.1 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% | 33% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B ko long-term wealth creation ke liye better fund mana jata hai kyunki uska 3Y return 11.02% hai, jo Fund A ka 3Y return 6.93% se zyada hai. Iske alawa, Fund B ka expense ratio 0.31% hai, jo Fund A ka expense ratio 0.12% se zyada hai. Lekin, Fund A ka riskometer low hai, jo Fund B ka riskometer very high hai. Haan, Fund A ko aapko 10+ saal ke liye monthly SIP ke liye chunna chahega.
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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Ab, hum SIP ke liye Fund A aur Fund B ki consistency aur return stability ke beech comparison karenge. Fund A ka 1Y return 6.15% hai, jo Fund B ka 1Y return -2.86% se zyada hai. Iske alawa, Fund A ka volatility 0.12 hai, jo Fund B ka volatility 13.05 hai. Haan, Fund A ki consistency aur return stability ke liye better hai.
⚠️ Risk & Cost Analysis
Ab, hum riskometer, volatility, Sharpe ratio, aur expense ratio ke beech comparison karenge. Fund A ka riskometer low hai, jo Fund B ka riskometer very high hai. Iske alawa, Fund A ka volatility 0.12 hai, jo Fund B ka volatility 13.05 hai. Lekin, Fund A ka Sharpe ratio 3.58 hai, jo Fund B ka Sharpe ratio 0.35 se zyada hai. Haan, Fund A ki risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
Ab, hum asset allocation aur top holdings concentration ke beech comparison karenge. Fund A ka asset allocation T-Bills, CD, CP, aur cash ke beech hai, jabki Fund B ka asset allocation equity aur T-Bills ke beech hai. Iske alawa, Fund A ka top holdings concentration State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills ke beech hai, jabki Fund B ka top holdings concentration HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. ke beech hai. Haan, Fund A ki asset allocation aur top holdings concentration ke liye better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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, Fund B ka 5Y return 10.33% hai, jo Fund A ka 5Y return 6.11% se zyada hai. Haan, Fund B long-term wealth creation ke liye better fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki higher risk ko aap samjhe, lekin Fund A ki risk-adjusted returns ke liye better hai. Fund B ka Sharpe ratio 0.35 hai, jo Fund A ka Sharpe ratio 3.58 se kam hai. Iske alawa, Fund B ka volatility 13.05 hai, jo Fund A ka volatility 0.12 se zyada hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio 0.31% se kam hai. Haan, Fund A more 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