ICICI Prudential Liquid Fund vs Mirae Asset ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
14.73%
Aaj hum do fundon ke beech ki comparison karne ja rahe hain - ICICI Prudential Liquid Fund aur Mirae Asset ELSS Tax Saver Fund. Ye do fund alag-alag categories mein aate hain, Liquid aur ELSS. Aapko yeh jaanna hai ki kis fund me long term wealth creation ke liye better hai aur kaise aap in dono fundon ke beech se apni investment kar sakte hain.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BMirae Asset ELSS Tax Saver Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Mirae Asset |
| Category | Liquid | ELSS |
| NAV (₹) | 411.88 | 48.73 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.53 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.62% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.85 |
| Sharpe Ratio | 3.58 | 0.59 |
| 1 Year Return (%) | 6.15% | 2.19% |
| 3 Year Return (%) | 6.93% | 14.73% |
| 5 Year Return (%) | 6.11% | 12.52% |
| Since Launch (%) | 6.84% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 29 December 2015 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Neelesh Surana (10.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 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. (9.53%), ICICI Bank Ltd. (4.84%), Reliance Industries Ltd. (4.19%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 99.11% | Mutual Fund: 0.0% |
| Portfolio Turnover | 241% | 69% |
🤖 AI Verdict – Which is Better?
Long term wealth creation ke liye, hum 3Y return, expense ratio, aur risk ke anusar Fund B (Mirae Asset ELSS Tax Saver Fund) ko better zamaane ga rahe hain. Aisa lagta hai ki aap ko ek bahut high-risk fund me invest karna hai, lekin agar aap investment ke liye 3-5 saal ka time lein to is fund se aap better returns prapt kar sakte 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 Mirae Asset ELSS Tax Saver Fund?
- Expense ratio: 1.62%
- 3Y return: 14.73%
- AUM: 2.53 Lac Cr
- Sharpe Ratio: 0.59
📈 SIP Suitability
Monthly SIP ke liye, hum Fund A (ICICI Prudential Liquid Fund) ko better zamaane ga rahe hain. Aisa lagta hai ki is fund ki consistency aur return stability dono hi bahut achhi hain. Aapke paas 10+ saal ka time hai, to aap is fund se regular SIP start kar sakte hain aur apni investment ko stable bana sakte hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke anusar, Fund A (ICICI Prudential Liquid Fund) better risk-adjusted returns offer karta hai. Fund A ka riskometer low hai, volatility 0.12 hai, aur Sharpe ratio 3.58 hai. Iske alawa, expense ratio bhi bahut low hai. Isliye, Fund A aapke liye better option hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke anusar, Fund A (ICICI Prudential Liquid Fund) more diversified hai. Is fund mein T-Bills, CD, CP, aur cash ka allocation hai. Top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Isliye, Fund A ke paas sector risk kam hai. Fund B (Mirae Asset ELSS Tax Saver Fund) mein equity ka 99.11% allocation hai, aur top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Isliye, Fund B ke paas sector risk bahut high hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Mirae Asset ELSS Tax Saver Fund
₹1370327.40
@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?
Answer: Fund B (Mirae Asset ELSS Tax Saver Fund) 3Y aur 5Y returns ke anusar better hai. Is fund ne 14.73% aur 12.52% returns diye hain. Isliye, long run me Fund B aapke liye better option hai.
Q2: Is the higher risk fund worth it?
Answer: Haan, higher risk fund worth hai. Fund B ka volatility 13.85 hai, lekin Sharpe ratio bhi thoda high hai. Isliye, aapko Fund B ka risk management karna hogi, tabhi aap better returns prapt kar sakte hain.
Q3: Which fund is more cost‑effective?
Answer: Fund A (ICICI Prudential Liquid Fund) more cost-effective hai. Is fund ka expense ratio 0.12% hai, jabki Fund B ka expense ratio 1.62% hai. Isliye, Fund A aapke liye better option 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