ICICI Prudential Liquid Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
20.86%
Dekho, aaj hum do fundon ke beech ki pehli comparison kar rahe hain - ICICI Prudential Liquid Fund aur JM Financial Multi Cap Fund. Ye donon fund alag-alag category mein padte hain. Liquid fund mein paise safe karte hain, lekin Multi Cap fund mein paise high-risk investment mein lagate hain. Hum is article mein aapko pata chalne wala hai ki donon fundon ke beech mein kya aisa hai jo aapko invest karne se pehle samajhne ke liye zaroori hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | JM Financial |
| Category | Liquid | Multi Cap |
| NAV (₹) | 411.88 | 19.01 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.35 |
| Sharpe Ratio | 3.58 | 1 |
| 1 Year Return (%) | 6.15% | 5.23% |
| 3 Year Return (%) | 6.93% | 20.86% |
| 5 Year Return (%) | 6.11% | 0% |
| Since Launch (%) | 6.84% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 February 2023 |
| 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 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%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 241% | 44% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye Fund A - ICICI Prudential Liquid Fund bhi achha hain, lekin Fund B - JM Financial Multi Cap Fund ka 3Y return, expense ratio, aur risk ke mukabla Fund A se bhi accha hai. Isliye, Fund B aapke liye bhaari risk ke saath long-term return de sakta hai, lekin aapko iske liye tayyar hona hoga.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
Haan, SIP suitability ke liye, Fund A ka consistency aur return stability Fund B se bhi accha hai. Isliye, Fund A ek achha choice hai monthly SIP ke liye, jahan aapko 10+ saal ke liye invest karna hoga.
⚠️ Risk & Cost Analysis
Chaliye, riskometer, volatility, Sharpe ratio, aur expense ratio ke mukabla, Fund A Fund B se bhi kam risk hai, aur low expense ratio ke saath. Isliye, Fund A aapke liye bhaari risk ke saath high returns de sakta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke mukabla, Fund A ka portfolio Fund B se bhi kam diversified hai. Lekin, Fund A mein T-Bills, CD, CP, aur Cash ke hisaab se portfolio bhi kam risk hai. Haan, Fund B ka portfolio mein Equity aur T-Bills ke hisaab se sector risk bhi hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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 3Y return Fund A se bhi accha hai, lekin 5Y return mein Fund A Fund B se bhi accha hai. Isliye, Fund A long-term wealth creation ke liye bhi achha hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk Fund A ke liye kam risk hai, lekin Sharpe ratio ke mukabla Fund B Fund A se kam hai. Isliye, Fund B ke higher risk ke liye aapko apni financial planning ke hisaab se tayyar hona hoga.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio Fund B ke expense ratio se kam hai. Isliye, Fund A aapke liye 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