ICICI Prudential Liquid Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.55%
Dekho, aapko do liquid funds ke beech ka comparison karna hoga. Aap jante hain ki hamare paas Fund A: ICICI Prudential Liquid Fund aur Fund B: Motilal Oswal Liquid Fund hain. Is article mein hum aapko batayenge ki ye dono funds aapke wealth creation ke liye kaisay beneficial hain aur kis fund ko aapke liye better hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Motilal Oswal |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 14.67 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.58 | 0.42 |
| 1 Year Return (%) | 6.15% | 5.84% |
| 3 Year Return (%) | 6.93% | 6.55% |
| 5 Year Return (%) | 6.11% | 5.76% |
| Since Launch (%) | 6.84% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Niket Shah (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% | 261% |
🤖 AI Verdict – Which is Better?
Hamaare paas dono funds ki same category aur riskometer hai lekin Fund A ka 3Y return 6.93% hai, jo ki Fund B ka 6.55% se jyaada hai. Iske alawa, Fund A ka expense ratio 0.12% hai, jo ki Fund B ka 0.12% se kam nahi hai. Isliye, humke paas kuchh bhi nahi hai jo Fund A ko Fund B se bada banata hai. Haan, Fund A hi hoga our verdict ki Fund A 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 Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
Ab hum SIP suitability ke liye dekhte hain. Fund A ka 1Y return 6.15% hai, jo ki Fund B ka 5.84% se jyaada hai. Iske alawa, Fund A ka consistency aur return stability bhi better hai. Isliye, humke paas lagta hai ki Fund A SIP ke liye aapke liye better hai.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio, aur expense ratio ke liye dekhte hain. Dono funds ki riskometer low hai lekin Fund A ka Sharpe ratio 3.58 hai, jo ki Fund B ka 0.42 se jyaada hai. Iske alawa, Fund A ka expense ratio bhi Fund B se kam nahi hai. Isliye, humke paas lagta hai ki Fund A better risk-adjusted return offer karta hai.
📊 Portfolio Diversification
Ab hum asset allocation aur top holdings concentration ke liye dekhte hain. Dono funds ki asset allocation same hai lekin Fund A ka asset allocation bahut hi diversified hai. Iske alawa, Fund A ka top holdings concentration bhi Fund B ke compare bahut hi kam hai. Isliye, humke paas lagta hai ki Fund A portfolio diversification ke liye aapke liye better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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 ki Fund A ka 5Y return 6.11% hai, jo ki Fund B ka 5.76% se kam nahi hai. Isliye, Fund A long run ke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka Sharpe ratio 3.58 hai, jo ki Fund B ka 0.42 se jyaada hai. Iske alawa, Fund A ka volatility 0.12 hai, jo ki Fund B ka 0.12 se kam nahi hai. Isliye, Fund A higher risk fund hai aur worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki dono funds ki expense ratio same hai. Isliye, dono funds cost-effective hain. Lekin, humke paas lagta hai ki Fund A ki cost-effectiveness Fund B ke compare better 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