ICICI Prudential Liquid Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.97%
Dekho, yeh do funds don't have the same category, lekin voh don't differ much. Fund A aur Fund B dono Liquid Funds hain jahan voh daily income generate karte hain. Apne readers ke liye hamey yeh compare karna padega. Fund A ICICI Prudential Liquid Fund aur Fund B JM Financial Liquid Fund hain. Chaliye, hamey yeh pehle fund ke barey mein dekhte hain.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | JM Financial |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 363.19 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.58 | 3.92 |
| 1 Year Return (%) | 6.15% | 6.21% |
| 3 Year Return (%) | 6.93% | 6.97% |
| 5 Year Return (%) | 6.11% | 6.16% |
| Since Launch (%) | 6.84% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 8 March 2016 |
| 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 Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 241% | 259% |
🤖 AI Verdict – Which is Better?
Haan, hamey yeh pata chal gaya hai ki yeh dono funds ek jaisay hain. Lekin, agar hum long-term wealth creation ke liye sochte hain, to yeh Fund B JM Financial Liquid Fund better hai. Iska reason yeh hai ki iska 3Y return aur expense ratio Fund A se accha hai. Lekin, iska riskometer bhi low hai, jisse iska risk-adjusted return bhi accha 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Yeh dono funds SIP ke liye acche hain, lekin Fund B ki consistency aur return stability Fund A se acchi hai. Iska reason yeh hai ki Fund B ka 1Y aur 3Y return Fund A se accha hai. Isliye, yeh fund monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Yeh dono funds low-risk hain, lekin Fund B ka Sharpe ratio Fund A se accha hai. Iska reason yeh hai ki Fund B ka risk-adjusted return bhi accha hai. Lekin, expense ratio mein koi farak nahin hai. Isliye, yeh dono funds risk-free hain, lekin Fund B ka Sharpe ratio accha hai.
📊 Portfolio Diversification
Yeh dono funds asset allocation mein ek jaisay hain, lekin Fund A ka asset allocation Fund B se thoda different hai. Fund A ka 65% T-Bills aur 20% CD mein invest hua hai, jabki Fund B ka 65% T-Bills aur 20% CD mein bhi invest hua hai. Lekin, Fund A ka CP aur cash mein kuch less invest hua hai. Isliye, yeh dono funds asset allocation mein ek jaisay hain, lekin Fund A ka CP aur cash mein kuch kam invest hua hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% 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 Fund B ka 5Y return Fund A se accha hai, lekin Fund A ka 3Y return Fund B se kam hai. Lekin, Fund B ka long-run return Fund A se accha hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka Sharpe ratio Fund A se accha hai, jisse yeh fund risk-adjusted return ke liye better hai. Isliye, yeh fund higher risk hai, lekin iska Sharpe ratio accha hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki dono funds expense ratio mein ek jaisay hain, lekin Fund A ka expense ratio Fund B se kam hai. Lekin, Fund B ka AUM Fund A se kam hai, jisse Fund B ka expense ratio Fund A ke liye bhi accha ho sakta 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