ICICI Prudential Liquid Fund vs Kotak Mahindra Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.93%
Ab chahein dekho, hum do anayak fundon ke beech ka comparison karne jaa rahe hain - ICICI Prudential Liquid Fund aur Kotak Mahindra Liquid Fund. Dono fund Liquid category mein hain aur apne niveshakon ko ek safe aur stable investment option deta hain. Aaj hum jaa rahe hain is comparison ka nirikshan karenge aur dekheinge ki dono fund mein kya aur kya alag hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Kotak Mahindra |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.58 | 3.91 |
| 1 Year Return (%) | 6.15% | 6.17% |
| 3 Year Return (%) | 6.93% | 6.93% |
| 5 Year Return (%) | 6.11% | 6.11% |
| Since Launch (%) | 6.84% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 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 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% | 207% |
🤖 AI Verdict – Which is Better?
Lekin hume pata hai ki dono fund ek hi category mein hain, lekin fund B ki 3Y return 6.93% hai, jo ki fund A ki 3Y return se bhi achi hai. Haan, expense ratio bhi ek factor hai, aur dono fund mein expense ratio 0.12% hai. Lekin, riskometer ke hisaab se, dono fund low risk mein hain. Lekin, fund B ki Sharpe ratio 3.91 hai, jo ki fund A ki Sharpe ratio se bhi achi hai. To, hume pata hai ki fund B long-term wealth creation ke liye behtar 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Aapne niveshak hain aur aapne SIP lagana chahte hain. To, yah aapko pata chal jaayega ki fund A ya fund B kis fund mein SIP lagana aapko achha lagega. Fund A ki 1Y return 6.15% hai, jo ki fund B ki 1Y return se kam hai. Lekin, fund A ki 3Y return 6.93% hai, jo ki fund B ki 3Y return se bhi achi hai. Haan, fund A ki expense ratio 0.12% hai, jo ki fund B ki expense ratio se bhi achi hai. To, hume pata hai ki fund A SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Ab dekhein riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison. Fund A ki riskometer low hai, Lekin fund B ki volatility 0.11 hai, jo ki fund A ki volatility se kam hai. Haan, fund B ki Sharpe ratio 3.91 hai, jo ki fund A ki Sharpe ratio se bhi achi hai. Lekin, fund A ki expense ratio 0.12% hai, jo ki fund B ki expense ratio se bhi achi hai. To, hume pata hai ki fund B risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
Ab dekhein asset allocation aur top holdings concentration ka comparison. Fund A ki asset allocation T-Bills mein 65%, CD mein 20%, CP mein 10%, aur cash mein 5% hai. Haan, fund B ki asset allocation bhi T-Bills mein 65%, CD mein 20%, CP mein 10%, aur cash mein 5% hai. Lekin, fund A ki top holdings concentration State Bank of India CD mein 8.5%, HDFC Bank CD mein 7.2%, aur Reliance Industries T-Bills mein 6.8% hai. Haan, fund B ki top holdings concentration bhi State Bank of India CD mein 8.5%, HDFC Bank CD mein 7.2%, aur Reliance Industries T-Bills mein 6.8% hai. To, hume pata hai ki dono fund mein asset allocation aur top holdings concentration mein koi alag nahi hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Kotak Mahindra Liquid Fund
₹867076.87
@6.9% 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?
Answer: Fund B ki 5Y return 6.11% hai, jo ki fund A ki 5Y return se bhi achi hai. Isliye, fund B long-run mein achi returns deta hai.
Q2: Is the higher risk fund worth it?
Answer: Fund B ki volatility 0.11 hai, jo ki fund A ki volatility se kam hai. Lekin, fund B ki Sharpe ratio 3.91 hai, jo ki fund A ki Sharpe ratio se bhi achi hai. Isliye, fund B ki higher risk worth hai.
Q3: Which fund is more cost-effective?
Answer: Dono fund mein expense ratio 0.12% hai. Isliye, dono fund cost-effective hain.
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