ICICI Prudential Liquid Fund vs Mirae Asset Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
12.03%
Chaliye, dekho, we have Fund A: ICICI Prudential Liquid Fund - Direct Plan - Growth aur Fund B: Mirae Asset Mid Cap Fund - Regular Plan - Growth. Fund A hai Liquid Category ka, jabki Fund B hai Mid Cap Category ka. Is post mein, hum Fund A aur Fund B ke beech ki comparison karne ja rahe hain.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BMirae Asset Mid Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Mirae Asset |
| Category | Liquid | Mid Cap |
| NAV (₹) | 411.88 | 38.13 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.84 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.67% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.96 |
| Sharpe Ratio | 3.58 | 0.37 |
| 1 Year Return (%) | 6.15% | 2.41% |
| 3 Year Return (%) | 6.93% | 12.03% |
| 5 Year Return (%) | 6.11% | 9.36% |
| Since Launch (%) | 6.84% | 13.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 22 August 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Ankit Jain (6.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Indusind Bank Ltd. (3.74%), Bharat Forge Ltd. (3.49%), Lupin Ltd. (3.47%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.85% | Mutual Fund: 0.26% |
| Portfolio Turnover | 241% | 47% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B hai Riskometer ke liye Very High aur expense ratio 1.67%, jabki Fund A ke paas Low Riskometer hai aur expense ratio 0.12%. Haan, Fund A ke 3Y return 6.93% hai, jabki Fund B ke paas 12.03% hai. Lekin, Fund B ki volatility 14.96 hai, jo kafi high hai. Isliye, Fund A hai better option for long-term wealth creation.
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 Mid Cap Fund?
- Expense ratio: 1.67%
- 3Y return: 12.03%
- AUM: 1.84 Lac Cr
- Sharpe Ratio: 0.37
📈 SIP Suitability
Lekein, SIP ke liye Fund A aur Fund B dono hi achhe option hain. Fund A ka 1Y return 6.15% hai, jabki Fund B ka 2.41% hai. Haan, Fund A ka expense ratio 0.12% hai, jabki Fund B ka expense ratio 1.67% hai. Isliye, Fund A hai better option SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer ke liye, Fund A hai Low, jabki Fund B hai Very High. Volatility ke liye, Fund A ka Sharpe ratio 3.58 hai, jabki Fund B ka Sharpe ratio 0.37 hai. Expense ratio ke liye, Fund A ka expense ratio 0.12% hai, jabki Fund B ka expense ratio 1.67% hai. Isliye, Fund A hai better option risk-adjusted returns ke liye.
📊 Portfolio Diversification
Asset allocation ke liye, Fund A ka 65% T-Bills mein hai, jabki Fund B ka 97.85% Equity mein hai. Top holdings concentration ke liye, Fund A ka 8.5% State Bank of India CD mein hai, jabki Fund B ka 3.74% Indusind Bank Ltd. mein hai. Isliye, Fund A hai more diversified aur sector risk se bacha hua hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Mirae Asset Mid Cap Fund
₹1163772.71
@12.0% 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 ke 5Y return 9.36% hai, jabki Fund A ke paas 6.11% hai. Haan, Fund B ka 3Y return 12.03% hai, jabki Fund A ka 3Y return 6.93% hai. Isliye, Fund B hai better option long run ke returns ke liye.
Q2: Is the higher risk fund worth it?
Fund B ki volatility 14.96 hai, jo kafi high hai. Haan, Fund B ka Sharpe ratio 0.37 hai, jabki Fund A ka Sharpe ratio 3.58 hai. Isliye, Fund A hai better option risk-adjusted returns ke liye.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.12% hai, jabki Fund B ka expense ratio 1.67% hai. Haan, Fund A ka AUM 47382.91 Cr hai, jabki Fund B ka AUM 18387.66 Cr hai. Isliye, Fund A hai more cost-effective aur 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