ICICI Prudential Liquid Fund vs ICICI Prudential Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
14.81%
Aaj hum 2 famous funds ke beech comparison karenge - ICICI Prudential Liquid Fund aur ICICI Prudential Large Cap Fund. Dono funds mein aapko apna paisa safe aur return dene mein madad karegi. Lekin ismein ek bada faayda hai, ki yeh aapko sahi fund chunne mein madad karenge. Dekho yeh dono funds kaise aapke paiso ko bacha sakte hain aur return dete hain.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BICICI Prudential Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | ICICI Prudential |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 117.10 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.36 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.43 |
| Sharpe Ratio | 3.58 | 0.73 |
| 1 Year Return (%) | 6.15% | -2.39% |
| 3 Year Return (%) | 6.93% | 14.81% |
| 5 Year Return (%) | 6.11% | 14.18% |
| Since Launch (%) | 6.84% | 14.71% |
| 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) | Anish Tawakley (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% | 17% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ke liye fund chun rahe hain, to humein lagta hai ki ICICI Prudential Liquid Fund better hai. Yeh fund 3Y return mein 6.93% return dete hain, expense ratio kam hai (0.12%), aur riskometer low hai. Iske alawa, yeh fund volatility mein bhi kam hai (0.12). Lekin, yeh fund large cap fund ke 3Y return (14.81%) se kam hai. Haan, ismein sector risk bhi kam hai, lekin agar aap long-term mein investment karte hain, to yeh fund aapke liye achha 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 ICICI Prudential Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.81%
- AUM: 2.36 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Ab, hum SIP suitability ke baare mein baat karenge. Hum aapko dikhayenge ki kis fund mein SIP karna achha hai. Dekho, ICICI Prudential Liquid Fund mein SIP karna aapko kam risk mein return dene mein madad karega, lekin ismein return stability kam hai. Iske viraan, ICICI Prudential Large Cap Fund mein SIP karna aapko high return dene mein madad karega, lekin ismein risk bhi jyada hai. Haan, yeh fund 3Y return mein bhi achha hai, lekin agar aap long-term mein investment karte hain, to ICICI Prudential Liquid Fund aapke liye achha hai.
⚠️ Risk & Cost Analysis
Ab, hum riskometer, volatility, Sharpe ratio, aur expense ratio ke baare mein baat karenge. Dekho, ICICI Prudential Liquid Fund mein riskometer low hai (Low), volatility kam hai (0.12), Sharpe ratio bhi achha hai (3.58), aur expense ratio kam hai (0.12%). Iske viraan, ICICI Prudential Large Cap Fund mein riskometer high hai (Very High), volatility jyada hai (11.43), Sharpe ratio bhi kam hai (0.73), aur expense ratio bhi jyada hai (0.52%). Haan, yeh fund 3Y return mein bhi achha hai, lekin agar aap long-term mein investment karte hain, to ICICI Prudential Liquid Fund aapke liye achha hai.
📊 Portfolio Diversification
Ab, hum asset allocation aur top holdings concentration ke baare mein baat karenge. Dekho, ICICI Prudential Liquid Fund mein asset allocation bahut achha hai, jismein T-Bills, CD, CP, aur cash ka share hai. Iske viraan, ICICI Prudential Large Cap Fund mein asset allocation mein equity ka share jyada hai (96%), jisse sector risk bhi jyada hai. Haan, yeh fund top holdings concentration mein bhi achha hai, lekin agar aap long-term mein investment karte hain, to ICICI Prudential Liquid Fund aapke liye achha hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
ICICI Prudential Large Cap Fund
₹1377083.20
@14.8% 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 ki ICICI Prudential Large Cap Fund 5Y return mein 14.18% return dete hain, jisse yeh fund long run mein better hai. Lekin, agar aap risk ki chinta karte hain, to ICICI Prudential Liquid Fund aapke liye achha hai.
Q2: Is the higher risk fund worth it?
Haan, agar aap risk ki chinta kam karte hain aur high return chahate hain, to ICICI Prudential Large Cap Fund aapke liye achha hai. Lekin, agar aap risk ki chinta karte hain, to ICICI Prudential Liquid Fund aapke liye achha hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki ICICI Prudential Liquid Fund expense ratio mein kam hai (0.12%), jisse yeh fund cost-effective hai. Lekin, agar aap long-term mein investment karte hain, to ICICI Prudential Liquid Fund aapke liye achha 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