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%
Chaliye dekho, aaj hum do mutual funds ke beech comparison karne ja rahe hain - ICICI Prudential Liquid Fund aur HDFC Top 100 Fund. Fund A ek Liquid fund hai, jo risk se bachne ke liye seekhaya jaata hai, jabki Fund B ek Large Cap fund hai, jo long-term wealth creation ke liye seekhaya jaata hai. Aaj hum yeh jaanne ja rahe hain ki in dono fundon ke beech kya similarity aur kya differences hain.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HDFC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 11.21 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.06 |
| 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% | 4.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 25 June 2014 |
| 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 HDFC Top 100 Fund hai, jo long-term return aur wealth creation ke liye seekhaya jaata hai. Is fund ke 3Y return 11.02% hai, jo Fund A ki 6.93% se adhik hai. Iske alawa, is fund ka expense ratio 1.52% hai, jo Fund A ki 0.12% se adhik hai, lekin iske riskometer Very High hai, jo Fund A ki Low risk se alag hai. Haan, is fund ka volatility 13.06 hai, jisse risk bhi badh jata hai, lekin sharpe ratio 0.35 hai, jo Fund A ki 3.58 se kam hai. Haan, Fund A ki expense ratio kam hai, lekin Fund B ki long-term return aur wealth creation ke liye seekhaya jaata 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 Top 100 Fund?
- Expense ratio: 1.52%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Monthly SIP ke liye Fund A ICICI Prudential Liquid Fund adhik suitable hai, kyunki yeh ek low-risk fund hai jo stability aur consistency ke liye seekhaya jaata hai. Is fund ka 1Y return 6.15% hai, jo Fund B ki -2.86% se adhik hai. Iske alawa, is fund ka riskometer Low hai, jo SIP ke liye adhik suitable hai. Haan, Fund B ki long-term return aur wealth creation ke liye seekhaya jaata hai, lekin Fund A ki stability aur consistency ke liye seekhaya jaata hai.
⚠️ Risk & Cost Analysis
Haan, Fund A ki expense ratio 0.12% hai, jo Fund B ki 1.52% se kam hai. Iske alawa, Fund A ka riskometer Low hai, jo Fund B ki Very High risk se alag hai. Lekin Fund B ka Sharpe ratio 0.35 hai, jo Fund A ki Sharpe ratio 3.58 se kam hai. Haan, Fund A ka volatility 0.12 hai, jisse risk kam hai. Iske alawa, Fund A ka asset allocation T-bills, CD, CP aur Cash mein hai, jo Fund B ki Equity aur T-bills mein hai. Haan, Fund A ki portfolio diversification adhik hai, lekin Fund B ki long-term return aur wealth creation ke liye seekhaya jaata hai.
📊 Portfolio Diversification
Haan, Fund A ka asset allocation T-bills, CD, CP aur Cash mein hai, jo 95% hai. Iske alawa, is fund ka top holdings concentration State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein hai. Haan, Fund B ka asset allocation Equity aur T-bills mein hai, jo 96% hai. Iske alawa, is fund ka top holdings concentration HDFC Bank Ltd., ICICI Bank Ltd. aur Reliance Industries Ltd. mein hai. Haan, Fund A ki portfolio diversification adhik hai, lekin Fund B ki long-term return aur wealth creation ke liye seekhaya jaata 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?
Haan, Fund B HDFC Top 100 Fund hai, jo long-term return aur wealth creation ke liye seekhaya jaata hai. Is fund ka 5Y return 10.33% hai, jo Fund A ki 6.11% se kam hai. Iske alawa, is fund ka 3Y return 11.02% hai, jo Fund A ki 6.93% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki higher risk worth hai, kyunki yeh long-term return aur wealth creation ke liye seekhaya jaata hai. Iske alawa, is fund ka Sharpe ratio 0.35 hai, jo Fund A ki Sharpe ratio 3.58 se kam hai.
Q3: Which fund is more cost-effective?
Haan, Fund A ICICI Prudential Liquid Fund hai, jo expense ratio 0.12% hai, jo Fund B ki 1.52% se kam hai. Iske alawa, is fund ka low expense ratio se iska cost-effectiveness badhta 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