ICICI Prudential Liquid Fund vs LIC Mutual Fund 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%
Agar aap Liquid aur Multi Cap funds mein investment karna chahte hain, toh aapko is article mein milne wale fund A aur fund B ka comparison karna hoga. Dekho, aap kis fund ko chunenge, woh aapki wealth creation ke liye kitni achhi hoga, iske liye hamne is article mein fund A aur fund B ka detailed analysis kiya hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | LIC Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 411.88 | 19.01 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.9 |
| Sharpe Ratio | 3.58 | 1.03 |
| 1 Year Return (%) | 6.15% | 5.23% |
| 3 Year Return (%) | 6.93% | 20.86% |
| 5 Year Return (%) | 6.11% | 11.46% |
| 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) | Yogesh Patil (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% | 38% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ke liye fund chun rahe hain, toh humein lagta hai ki Fund A (ICICI Prudential Liquid Fund) achha fund hai. Iska 3Y return 6.93% hai, jo ki Fund B (LIC Mutual Fund Multi Cap Fund) ki 3Y return 20.86% se kam hai. Lekin, expense ratio ke liye humein Fund A par dhyan dena hoga, jo ki 0.12% hai, jabki Fund B ka expense ratio 1.68% hai. Riskometer ke hisab se bhi, Fund A Low risk hai, jabki Fund B Very High risk hai. Haan, humein lagta hai ki Fund A aapke liye achha fund 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
Agar aap 10+ saal ke liye monthly SIP ka plan banana chahte hain, toh humein lagta hai ki Fund A achha fund hai. Iska 3Y return aur expense ratio Fund B se achha hai. Chaliye, aap Fund A par monthly SIP karenge, toh aapko lagataar return milega, aur aapki investment ki stability bhi hoga.
⚠️ Risk & Cost Analysis
Agar aap riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karte hain, toh humein lagta hai ki Fund A aapke liye better fund hai. Fund A ka riskometer Low hai, aur volatility 0.12 hai. Sharpe ratio bhi 3.58 hai, jo ki Fund B ke 1.03 se jyada hai. Lekin, expense ratio ke liye humein Fund A par dhyan dena hoga, jo ki 0.12% hai. Haan, Fund A aapke liye better fund hai.
📊 Portfolio Diversification
Agar aap asset allocation aur top holdings concentration ka comparison karte hain, toh humein lagta hai ki Fund A aapke liye better fund hai. Fund A ka asset allocation T-Bills, CD, CP, aur Cash mein 65.00%, 20.00%, 10.00%, aur 5.00% hai. Top holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Lekin, Fund B ka asset allocation Equity aur T-Bills mein 97.00% aur 3.00% hai, jisse Fund B ka portfolio concentration Fund A ke liye jyada hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
LIC Mutual Fund 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?
Fund B ka 5Y return 11.46% hai, jo ki Fund A ka 5Y return 6.11% se jyada hai. Isliye, Fund B aapke liye long run mein better fund hai.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 13.9 hai, jo ki Fund A ka volatility 0.12 se jyada hai. Lekin, Sharpe ratio ke hisab se, Fund B ka Sharpe ratio 1.03 hai, jo ki Fund A ka Sharpe ratio 3.58 se kam hai. Isliye, Fund B aapke liye jyada risk hai, aur iska Sharpe ratio bhi jyada kam hai. Haan, Fund B aapke liye better fund nahin hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.12% hai, jo ki Fund B ka expense ratio 1.68% se kam hai. Isliye, Fund A aapke liye 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