ICICI Prudential Liquid Fund vs HSBC Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.93%
Dekho, hamare paas do liquid funds hain, ICICI Prudential Liquid Fund aur HSBC Mutual Fund Liquid Fund. Ye don't hai ek aur dusre ke categories aur aapko bataayenge ki aapki kya aavashyak hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HSBC Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.13% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.58 | 3.91 |
| 1 Year Return (%) | 6.15% | 6.17% |
| 3 Year Return (%) | 6.93% | 6.93% |
| 5 Year Return (%) | 6.11% | 6.11% |
| Since Launch (%) | 6.84% | 50.63% |
| 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) | Cheenu Gupta (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 241% | 215% |
🤖 AI Verdict – Which is Better?
Hamaare paas dono fund ka 3 year return 6.93% hai lekin expense ratio mein ICICI Prudential Liquid Fund better hai. Haan, riskometer bhi dono fund ki cheez hai lekin hum ICICI Prudential Liquid Fund se shuru karenge jo long-term wealth creation ke liye behtar 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 Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Dono fund mein consistency aur return stability kaafi hai lekin hum ICICI Prudential Liquid Fund ko ek monthly SIP ke liye behtar fund samjhte hain. Chaliye, aapko pata chalega ki kyun?
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ka match dekhte hain. Haan, expense ratio bhi ek factor hai. ICICI Prudential Liquid Fund ki 0.12% expense ratio HSBC Mutual Fund Liquid Fund ki 0.13% se kam hai. Lekin Sharpe ratio mein HSBC Mutual Fund Liquid Fund better hai, 3.91 ka. Sach ye hai, fund ke liye aapko apni zaroorat ke hisaab se chunana hoga.
📊 Portfolio Diversification
Asset allocation mein dono fund ki asset allocation ek hi hai, T-Bills, CD, CP aur cash. Top holdings bhi ek hi hain, State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills. Lekin ICICI Prudential Liquid Fund mein asset allocation ka mukhya bhag T-Bills mein hai, 65% hai, HSBC Mutual Fund Liquid Fund mein bhi 65% hai. Haan, lekin ICICI Prudential Liquid Fund mein T-Bills mein 8.5% State Bank of India CD aur 7.2% HDFC Bank CD hai, jiska mukhya bhag T-Bills ka hai. HSBC Mutual Fund Liquid Fund mein bhi 8.5% State Bank of India CD aur 7.2% HDFC Bank CD hai. Haan, to aapko pata chalega ki kyun ICICI Prudential Liquid Fund ka asset allocation behtar hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
HSBC Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Dono fund ka 5 year return 6.11% hai, lekin hum dono fund ka 3 year return 6.93% se judge karenge. Haan, to HSBC Mutual Fund Liquid Fund behtar hai. Lekin aapko pata chalega ki kyun?
Q2: Is the higher risk fund worth it?
Haan, HSBC Mutual Fund Liquid Fund ki volatility 0.11 hai aur ICICI Prudential Liquid Fund ki volatility 0.12 hai. Lekin Sharpe ratio mein HSBC Mutual Fund Liquid Fund better hai, 3.91 ka. Haan, to aapko apni zaroorat ke hisaab se chunana hoga.
Q3: Which fund is more cost-effective?
Haan, ICICI Prudential Liquid Fund ki 0.12% expense ratio HSBC Mutual Fund Liquid Fund ki 0.13% se kam hai. Haan, to ICICI Prudential Liquid Fund cost-effective hai. Lekin aapko pata chalega ki kyun?
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