ICICI Prudential Liquid Fund vs Invesco 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%
Chaliye, dekho, hum are today comparing Fund A (ICICI Prudential Liquid Fund) and Fund B (Invesco Mutual Fund Large Cap Fund) to see which is better for long-term wealth creation. Fund A is a liquid fund with a low-risk profile, while Fund B is a large-cap fund with a high-risk profile. In this article, we will help you decide which fund is suitable for your investment goals.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BInvesco Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Invesco Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.08 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.43 |
| Sharpe Ratio | 3.58 | 0.66 |
| 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) | Amit Ganatra (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% | 27% |
🤖 AI Verdict – Which is Better?
Haan, Fund A is a better option for long-term wealth creation. It has a 3Y return of 6.93% and an expense ratio of 0.12%, making it a more cost-effective option. Its low-risk profile also makes it suitable for conservative investors. Fund B, on the other hand, has a 3Y return of 14.7%, but its high-risk profile and higher expense ratio make it a riskier 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 Invesco Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.08 Lac Cr
- Sharpe Ratio: 0.66
📈 SIP Suitability
Lekin, for a monthly SIP for 10+ years, Fund A is still a better option. Its consistent returns and low volatility make it suitable for long-term investments. Fund B, while having higher returns, has a higher volatility, which may not be suitable for a SIP investment.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund A offers better risk-adjusted returns. Its low-risk profile, low volatility, and low expense ratio make it a more attractive option. Fund B, on the other hand, has a higher risk profile, higher volatility, and a higher expense ratio, making it a riskier option.
📊 Portfolio Diversification
Chaliye, Fund A has a more diversified portfolio. Its asset allocation includes T-Bills (65.00%), CD (20.00%), CP (10.00%), and Cash (5.00%), making it less concentrated than Fund B's asset allocation, which is mostly in equity (96.00%). This makes Fund A a more stable option.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Invesco 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 gives better returns in the long run, with a 5Y return of 12.03% compared to Fund A's 5Y return of 6.11%. However, it's essential to consider the risk profile and expense ratio when making a decision.
Q2: Is the higher risk fund worth it?
Not necessarily. While Fund B has higher returns, its higher volatility and Sharpe ratio of 0.66 make it a riskier option. Fund A's low volatility and Sharpe ratio of 3.58 make it a more stable option.
Q3: Which fund is more cost-effective?
Fund A is more cost-effective, with an expense ratio of 0.12% compared to Fund B's expense ratio of 0.52%. This makes Fund A a more attractive option for long-term investments.
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