ICICI Prudential Liquid Fund vs ICICI Prudential Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
20.43%
Chaliye dekho, kya hai Fund A aur Fund B ke beech ki difference. Fund A hai ICICI Prudential Liquid Fund Direct Plan Growth aur Fund B hai ICICI Prudential Multi Cap Fund Direct Plan Growth. Aaj hum jaanege ki kya hai unke beech ki comparison aur kya hai unke beech ki similarity.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BICICI Prudential Multi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | ICICI Prudential |
| Category | Liquid | Multi Cap |
| NAV (₹) | 411.88 | 934.98 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.70 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.99% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.45 |
| Sharpe Ratio | 3.58 | 1.04 |
| 1 Year Return (%) | 6.15% | 6.9% |
| 3 Year Return (%) | 6.93% | 20.43% |
| 5 Year Return (%) | 6.11% | 17.37% |
| Since Launch (%) | 6.84% | 16.31% |
| 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) | Lalit Kumar; Sharmila D'Silva (3.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | BSE Ltd. (3.31%), Ultratech Cement Ltd. (2.85%), Jindal Steel Ltd. (2.73%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.97% |
| Portfolio Turnover | 241% | 45% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B hai jisne bade return diye, lekin uska riskometer bhi hai Very High. Lekin 3Y return aur expense ratio ke hisaab se, Fund B hai jisne better performance diya hai. Haan, Fund B ka risk bhi adhik hai, lekin agar aap long-term wealth creation chahte hain, toh Fund B hai aapke liye better option.
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 Multi Cap Fund?
- Expense ratio: 0.99%
- 3Y return: 20.43%
- AUM: 1.70 Lac Cr
- Sharpe Ratio: 1.04
📈 SIP Suitability
dekho, agar aap 10+ saal ke liye SIP lagana chahte hain, toh Fund A hai aapke liye better option. Fund A ka 3Y return hai 6.93%, jo ki Fund B ke 3Y return se kam hai. Lekin Fund A ka expense ratio hai 0.12%, jo ki Fund B ke expense ratio (0.99%) se kam hai. Haan, Fund A ka riskometer hai Low, jo ki Fund B ka riskometer (Very High) se kam hai.
⚠️ Risk & Cost Analysis
lekin, agar aap riskometer aur expense ratio ka dhyan dein, toh Fund A hai aapke liye better option. Fund A ka riskometer hai Low aur expense ratio hai 0.12%, jo ki Fund B ke expense ratio (0.99%) se kam hai. Lekin Fund B ka Volatility hai 13.45, jo ki Fund A ka Volatility (0.12) se adhik hai. Haan, Fund A ka Sharpe ratio hai 3.58, jo ki Fund B ka Sharpe ratio (1.04) se adhik hai.
📊 Portfolio Diversification
dekho, Fund A ka asset allocation hai T-Bills mein 65%, CD mein 20%, CP mein 10%, aur Cash mein 5%. Lekin Fund B ka asset allocation hai Equity mein 97.97%. Haan, Fund A ka top holdings concentration hai State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%). Lekin Fund B ka top holdings concentration hai BSE Ltd. (3.31%), Ultratech Cement Ltd. (2.85%), aur Jindal Steel Ltd. (2.73%).
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
ICICI Prudential Multi Cap Fund
₹1966010.45
@20.4% 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 hai 17.37%, jo ki Fund A ka 5Y return (6.11%) se adhik hai. Lekin Fund B ka riskometer hai Very High, aur Fund A ka riskometer hai Low. Haan, Fund B ka 3Y return hai 20.43%, jo ki Fund A ka 3Y return (6.93%) se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, lekin usse aapko dhyan rakhna hoga. Fund B ka Volatility hai 13.45, jo ki Fund A ka Volatility (0.12) se adhik hai. Lekin Fund B ka Sharpe ratio hai 1.04, jo ki Fund A ka Sharpe ratio (3.58) se kam hai. Haan, Fund B ka expense ratio hai 0.99%, jo ki Fund A ka expense ratio (0.12%) se adhik hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio hai 0.12%, jo ki Fund B ka expense ratio (0.99%) se kam hai. Haan, Fund A ka AUM hai 47382.91 Cr, jo ki Fund B ka AUM (16997.42 Cr) se adhik hai. Lekin Fund B ka 3Y return hai 20.43%, jo ki Fund A ka 3Y return (6.93%) se adhik 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