ICICI Prudential Liquid Fund vs HSBC Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
14.7%
Ab humein do funds ke beech mein comparison karna hoga - ICICI Prudential Liquid Fund aur HSBC Mutual Fund Large Cap Fund. Ye dono funds alag-alag category mein aate hain. Hum is article mein aapko yeh jaankari di jayegi ki Fund A aur Fund B ke beech mein kya antar hai aur kiski zaroorat lagti hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BHSBC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HSBC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.97 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.46 |
| Sharpe Ratio | 3.58 | 0.72 |
| 1 Year Return (%) | 6.15% | -4.02% |
| 3 Year Return (%) | 6.93% | 14.7% |
| 5 Year Return (%) | 6.11% | 12.03% |
| Since Launch (%) | 6.84% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Cheenu Gupta (3.5 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% | 18% |
🤖 AI Verdict – Which is Better?
Hum aapko batate hain ki Fund B HSBC Mutual Fund Large Cap Fund long-term wealth creation ke liye better fund hai. Yeh fund 3Y return mein 14.7% ka return deta hai, jo ki Fund A ICICI Prudential Liquid Fund ke 6.93% se adhik hai. Lekin expense ratio ke hisab se Fund A 0.12% ke expense ratio ke saath kam chala jata hai, jo ki Fund B ke 0.52% se kam hai. Isliye, Fund A aapke liye better fund 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 HSBC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.97 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
Ab humaare paas yeh question hai ki konsa fund aapke monthly SIP ke liye suitable hai. Fund A ICICI Prudential Liquid Fund 3Y return mein 6.93% ka return deta hai, jo ki Fund B ke 14.7% se kam hai. Lekin Fund A ka expense ratio 0.12% hai, jo ki Fund B ke 0.52% se kam hai. Isliye, Fund A aapke monthly SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Ab humaare paas yeh question hai ki donon funds ke beech mein kya antar hai. Fund A ka riskometer Low hai, jo ki Fund B ke Very High se kam hai. Lekin Fund A ka volatility 0.12 hai, jo ki Fund B ke 11.46 se kam hai. Sharpe ratio ke hisab se Fund A ka sharpe ratio 3.58 hai, jo ki Fund B ke 0.72 se adhik hai. Isliye, Fund A aapke liye better fund hai.
📊 Portfolio Diversification
Ab humaare paas yeh question hai ki donon funds ke portfolio mein kya antar hai. Fund A ka asset allocation T-Bills mein 65% hai, CD mein 20% hai, CP mein 10% hai, aur cash mein 5% hai. Fund B ka asset allocation equity mein 96% hai aur T-Bills mein 4% hai. Isliye, Fund A ka portfolio diversified hai aur Fund B ka portfolio adhik concentrated hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
HSBC Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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?
Fund B HSBC Mutual Fund Large Cap Fund fund 5Y return mein 12.03% ka return deta hai, jo ki Fund A ICICI Prudential Liquid Fund ke 6.11% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B HSBC Mutual Fund Large Cap Fund fund riskometer Very High hai, lekin yeh fund volatility 11.46 mein hai, jo ki Fund A ke 0.12 se kam hai. Lekin Fund B ka sharpe ratio 0.72 hai, jo ki Fund A ke 3.58 se kam hai.
Q3: Which fund is more cost‑effective?
Fund A ICICI Prudential Liquid Fund fund expense ratio 0.12% hai, jo ki Fund B HSBC Mutual Fund Large Cap Fund ke 0.52% 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