ICICI Prudential Liquid Fund vs Kotak Mahindra Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
12.82%
Chaliye dekho, aaj hum do fundon ke beech ka comparison karenge - ICICI Prudential Liquid Fund aur Kotak Mahindra Large Cap Fund. Fund A ek liquid fund hai, jo low risk se bhara hai, lekin Fund B ek large cap fund hai, jo very high risk se bhara hai. Aaj hum jaanege ki konsa fund long-term wealth creation ke liye achha hai?
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BKotak Mahindra Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Kotak Mahindra |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 635.60 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.81 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.36% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.32 |
| Sharpe Ratio | 3.58 | 0.56 |
| 1 Year Return (%) | 6.15% | -2.46% |
| 3 Year Return (%) | 6.93% | 12.82% |
| 5 Year Return (%) | 6.11% | 12.2% |
| Since Launch (%) | 6.84% | 13.87% |
| 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) | Harsha Upadhyaya (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% | 16% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A 3Y return mein 6.93% ki or se bhara hai, jabki Fund B mein 12.82% ka return hai. Lekin expense ratio ka dhyan karein, Fund A mein 0.12% ki expense ratio hai, jabki Fund B mein 1.36% hai. Riskometer ke hisab se bhi Fund A low risk se bhara hai, jabki Fund B very high risk se bhara hai. Toh, Fund A long-term wealth creation ke liye achha 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 Kotak Mahindra Large Cap Fund?
- Expense ratio: 1.36%
- 3Y return: 12.82%
- AUM: 3.81 Lac Cr
- Sharpe Ratio: 0.56
📈 SIP Suitability
Agar aap 10+ saal ke liye SIP karna chahte hain, to Fund A achha hai. Fund A mein consistency aur return stability ka dhyan rakha jata hai. Lekin Fund B mein very high risk se bhara hai, jo SIP ke liye achha nahin hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se dekha jata hai ki Fund A better risk-adjusted returns offer karta hai. Fund A mein low risk se bhara hai, jo volatility ka dhyan rakhta hai. Sharpe ratio ke hisab se bhi Fund A achha hai, aur expense ratio mein bhi Fund A kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisab se dekha jata hai ki Fund A diversified hai ya nahin. Fund A mein asset allocation mein T-Bills, CD, CP, aur Cash ka dhyan rakha jata hai, jo diversified hai. Lekin Fund B mein equity aur T-Bills ka dhyan rakha jata hai, jo sector risk se bhara hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Kotak Mahindra Large Cap Fund
₹1220113.26
@12.8% 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 mein 5Y return 12.2% hai, jabki Fund A mein 5Y return 6.11% hai. Lekin Fund A mein 3Y return 6.93% hai, jo Fund B se bada hai. Toh, Fund B long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B mein very high risk se bhara hai, lekin Sharpe ratio ke hisab se bhi Fund B achha hai. Fund B mein volatility 11.32 hai, jabki Fund A mein 0.12 hai. Toh, Fund B ke liye kuch risk lekar kuch return mil sakta hai.
Q3: Which fund is more cost-effective?
Kotak Mahindra Large Cap Fund mein expense ratio 1.36% hai, jabki ICICI Prudential Liquid Fund mein 0.12% hai. Toh, ICICI Prudential Liquid Fund 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