ICICI Prudential Liquid Fund vs ICICI Prudential Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
15.42%
Dekho, yeh donon funds ek do different categories mein aate hain. Ek Liquid fund hai jiska naam ICICI Prudential Liquid Fund hai aur doosra Small Cap fund hai jiska naam ICICI Prudential Small Cap Fund hai. Yeh article mein hum donon funds ki comparison karne jaenge aur pata karenge ki kaun se fund long-term wealth creation ke liye better hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BICICI Prudential Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | ICICI Prudential |
| Category | Liquid | Small Cap |
| NAV (₹) | 411.88 | 96.92 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.27 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.82% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 17.48 |
| Sharpe Ratio | 3.58 | 0.51 |
| 1 Year Return (%) | 6.15% | 1.68% |
| 3 Year Return (%) | 6.93% | 15.42% |
| 5 Year Return (%) | 6.11% | 17.22% |
| Since Launch (%) | 6.84% | 16.62% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Harsh Upadhyaya; Sharmila D'Silva (4.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 241% | 21% |
🤖 AI Verdict – Which is Better?
Chaliye, yeh dekhte hain ki kaun se fund long-term wealth creation ke liye better hai. Fund A ki 3Y return 6.93% hai, lekin expense ratio 0.12% hai. Fund B ki 3Y return 15.42% hai, lekin riskometer Very High hai. Haan, Fund B ka 3Y return thoda zyada hai, lekin uska risk bhi zyada hai. Sach ye hai ki Fund A long-term wealth creation ke liye better 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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 15.42%
- AUM: 2.27 Lac Cr
- Sharpe Ratio: 0.51
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, hamare paas 3Y return, expense ratio, aur riskometer ka data hai. Fund A ki 3Y return 6.93% hai aur expense ratio 0.12% hai, jo thoda kam hai. Fund B ki 3Y return 15.42% hai, lekin riskometer Very High hai. Haan, Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karne se pata chalta hai ki Fund A kis tarah se better hai. Fund A ka riskometer Low hai, volatility 0.12 hai, Sharpe ratio 3.58 hai, aur expense ratio 0.12% hai. Fund B ka riskometer Very High hai, volatility 17.48 hai, Sharpe ratio 0.51 hai, aur expense ratio 0.82% hai. Haan, Fund A better risk-adjusted returns provide karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karne se pata chalta hai ki Fund A kis tarah se better hai. Fund A ka asset allocation T-Bills (65.00%), CD (20.00%), CP (10.00%), aur Cash (5.00%) mein hai. Fund B ka asset allocation Equity (91.00%) aur Cash & Equivalents (9.00%) mein hai. Haan, Fund A ka asset allocation better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
ICICI Prudential Small Cap Fund
₹1429907.82
@15.4% 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?
Answer based on 5Y/3Y returns. Fund A ki 5Y return 6.11% hai, lekin Fund B ki 5Y return 17.22% hai. Haan, Fund B long-term returns ke liye better hai.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund B ki volatility 17.48 hai, lekin Fund A ki volatility 0.12 hai. Fund B ka Sharpe ratio 0.51 hai, lekin Fund A ka Sharpe ratio 3.58 hai. Haan, Fund B ka higher risk risk-adjusted returns ke liye nahi hai.
Q3: Which fund is more cost‑effective?
Answer comparing expense ratio. Fund A ka expense ratio 0.12% hai, lekin Fund B ka expense ratio 0.82% hai. Haan, Fund A more cost-effective 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