ICICI Prudential Liquid Fund vs LIC Mutual Fund 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%
Aaj hum do investment fundon ki comparison karenge - ICICI Prudential Liquid Fund aur LIC Mutual Fund Large Cap Fund. Ye do fund alag-alag category mein hain - Liquid aur Large Cap. Ye pustak humein bataegi ki kis fund mein invest karna hai aur kyun.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | LIC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.22 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.93 |
| Sharpe Ratio | 3.58 | 0.69 |
| 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) | Yogesh Patil (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% | 22% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, humein 3Y return, expense ratio, aur risk ka dhyan rakhna hoga. Fund A ka 3Y return 6.93% hai, jo bahut achha hai. Expense ratio bhi kam hai, 0.12%. Riskometer bhi low hai. Isliye, hum Fund A ko better fund maante 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 LIC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.22 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
Monthly SIP ke liye, humein consistency aur return stability ka dhyan rakhna hoga. Fund A ka 3Y return stable hai aur expense ratio kam hai. Isliye, Fund A better fund hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke liye hum Fund A aur Fund B ka comparison karenge. Fund A ka riskometer low hai, volatility 0.12 hai, aur Sharpe ratio 3.58 hai. Expense ratio bhi kam hai, 0.12%. Isliye, Fund A better fund hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum Fund A aur Fund B ka comparison karenge. Fund A ka asset allocation T-Bills mein 65%, CD mein 20%, aur CP mein 10% hai. Top holdings mein State Bank of India CD 8.5%, HDFC Bank CD 7.2%, aur Reliance Industries T-Bills 6.8% hai. Fund B ka asset allocation Equity mein 96%, aur T-Bills mein 4% hai. Top holdings mein HDFC Bank Ltd 8.5%, ICICI Bank Ltd 7.8%, aur Reliance Industries Ltd 6.9% hai. Fund A ka asset allocation aur top holdings concentration better hain.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
LIC Mutual Fund 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.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
Fund A ka 5Y return 6.11% hai, jo Fund B ka 5Y return 12.03% se accha hai. Isliye, Fund A better fund hai long run mein returns ke liye.
Q2: Is the higher risk fund worth it?
Volatility ke liye Fund B ka 11.93 hai, jo Fund A ka 0.12 se bahut zyada hai. Sharpe ratio bhi Fund A ka 3.58 hai, jo Fund B ka 0.69 se accha hai. Isliye, Fund B ka higher risk worth nahi hai.
Q3: Which fund is more cost-effective?
Expense ratio ke liye Fund A ka 0.12% hai, jo Fund B ka 0.52% se kam hai. Isliye, Fund A more cost-effective fund 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