ICICI Prudential Liquid Fund vs JM Financial 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, main aapke liye Fund A aur Fund B ki tayari karta hoon. Fund A ICICI Prudential Liquid Fund hai, jo Liquid category mein aata hai, aur Fund B JM Financial Large Cap Fund hai, jo Large Cap category mein aata hai. Aap is article mein jaanne ke liye taiyar hain ki kis fund mein nirantar paise karna achha hai aur kya fund aapke liye vishesh roop se upyukt hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BJM Financial Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | JM Financial |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.26 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.25 |
| Sharpe Ratio | 3.58 | 0.67 |
| 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) | Asit Bhandarkar (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% | 26% |
🤖 AI Verdict – Which is Better?
Haan, aaj hum aapko batayenge ki kis fund mein nirantar paise karna achha hai. Fund A ke 3Y return 6.93% hai, jo Fund B ke 3Y return 14.7% se kam hai. Lekin, Fund A ki expense ratio 0.12% hai, jo Fund B ki expense ratio 0.52% se kam hai. Aur, Fund A ka riskometer Low hai, jiska matlab hai ki yeh fund aapke paas kam jokhim deta hai. To, hum aapko Fund A ko vishesh roop se upyukt fund ke roop mein darshata hain.
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 JM Financial Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.26 Lac Cr
- Sharpe Ratio: 0.67
📈 SIP Suitability
SIP suitabillity ke liye hum Fund A aur Fund B ke 3Y aur 5Y return ko dekhenge. Fund A ka 3Y return 6.93% hai, jo Fund B ka 3Y return 14.7% se kam hai. Lekin, Fund A ka 5Y return 6.11% hai, jo Fund B ka 5Y return 12.03% se kam hai. Isse hum samjhte hain ki Fund A ko SIP ke liye vishesh roop se upyukt fund ke roop mein darshaya ja sakta hai.
⚠️ Risk & Cost Analysis
Hamne Fund A aur Fund B ke riskometer, volatility, Sharpe ratio, aur expense ratio ko dekhkar risk aur cost ki analysis ki hai. Fund A ka riskometer Low hai, jo Fund B ka riskometer Very High se kam hai. Lekin, Fund A ki volatility 0.12 hai, jo Fund B ki volatility 12.25 se kam hai. Isse hum samjhte hain ki Fund B mein jokhim ki sambhavna adhik hai. Sharpe ratio ke hisaab se bhi Fund A mein better risk-adjusted returns milte hain.
📊 Portfolio Diversification
Portfolio diversification ke liye hum Fund A aur Fund B ke asset allocation aur top holdings concentration ko dekhenge. Fund A mein T-Bills, CD, CP, aur Cash ki asset allocation hai, jisse yeh fund adhik diversified hai. Lekin, Fund B mein Equity ka asset allocation 96% hai, jo Fund A se adhik hai. Isse hum samjhte hain ki Fund A mein portfolio diversification adhik hai.
Q1: Which fund gives better returns in the long run?
Sach ye hai ki Fund B ka 5Y return 12.03% hai, jo Fund A ka 5Y return 6.11% se adhik hai. Lekin, humein Fund A ka 3Y return aur expense ratio bhi dekhna hoga. Isliye, hum aapko Fund B ko vishesh roop se upyukt fund ke roop mein darshata hain.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka riskometer Very High hai, lekin yeh fund aapke paas adhik returns deta hai. Lekin, yeh fund aapke jokhim par bhi adhik prabhav deta hai. Isliye, hum aapko Fund B ko vishesh roop se upyukt fund ke roop mein darshata hain. Lekin, yeh aapke liye upyukt hai ya nahin, yeh aapke vichaar par nirbhar karta hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ki expense ratio 0.12% hai, jo Fund B ki expense ratio 0.52% se kam hai. Isliye, hum aapko Fund A ko vishesh roop se upyukt fund ke roop mein darshata hain.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
JM Financial 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.
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