ICICI Prudential Liquid Fund vs LIC Mutual Fund 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 yahaan hum ICICI Prudential Liquid Fund aur LIC Mutual Fund Liquid Fund ke beech ka comparison kar rahe hain. Yeh dono fund liquid category mein hain aur humein yeh samajhna hai ki dono fund mein kya aisa hai jo inhein alag banata hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | LIC Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.58 | 3.58 |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, humein dono fund ka 3Y return dekhna hai. Dono fund mein 3Y return ek hi hai, lekin expense ratio par dekha jaaye to ICICI Prudential Liquid Fund ek thoda sa kam hai. Aur riskometer par bhi dono fund low hain, lekin sharpe ratio dekhna hai to ICICI Prudential Liquid Fund thoda sa better hai. To, humein lagta hai ki ICICI Prudential Liquid Fund long term mein better 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Ab SIP ke liye humein dono fund ka consistency aur return stability dekhna hai. Dono fund mein 1Y aur 3Y return ek hi hai, lekin 5Y return par dekha jaaye to dono fund mein hi 6.11% return hai. To, humein lagta hai ki dono fund SIP ke liye equal suitable hain.
⚠️ Risk & Cost Analysis
Ab hum dono fund ka riskometer, volatility, sharpe ratio aur expense ratio dekhna hai. Dono fund mein riskometer low hai, lekin volatility par dekha jaaye to dono fund mein 0.12% hai. Sharpe ratio par dekhna hai to dono fund mein 3.58 hai, lekin expense ratio par dekhna hai to ICICI Prudential Liquid Fund ek thoda sa kam hai. To, humein lagta hai ki ICICI Prudential Liquid Fund risk-adjusted returns mein better hai.
📊 Portfolio Diversification
Ab hum dono fund ka asset allocation aur top holdings concentration dekhna hai. Dono fund mein asset allocation ek hi hai, lekin top holdings concentration par dekhna hai to dono fund mein State Bank of India CD aur HDFC Bank CD hi aaye hain. To, humein lagta hai ki dono fund mein top holdings mein concentration hi hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
LIC Mutual Fund 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?
Sach ye hai, dono fund mein 5Y return ek hi hai, 6.11%. To, humein lagta hai ki dono fund long run mein equal return deta hain.
Q2: Is the higher risk fund worth it?
Na, kyonki dono fund mein volatility ek hi hai, 0.12%. To, humein lagta hai ki dono fund mein risk nahi hai.
Q3: Which fund is more cost-effective?
Sach ye hai, ICICI Prudential Liquid Fund expense ratio mein ek thoda sa kam hai, 0.12%. To, humein lagta hai ki ICICI Prudential Liquid Fund 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