ICICI Prudential Liquid Fund vs Navi Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
14.7%
Mujhe lagta hai ki aaj hum do alag-alag fund ke beech ka comparison karenge. Fund A hai ICICI Prudential Liquid Fund aur Fund B hai Navi Mutual Fund Large Cap Fund. Dekho, ye do fund alag-alag category mein hain. Fund A Liquid category ka hai aur Fund B Large Cap category ka hai. Aaj hum dekhenge ki kis fund mein lagatar paise ki growth hoti hai aur kis mein risk hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Navi Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.51 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.72 |
| Sharpe Ratio | 3.58 | 0.64 |
| 1 Year Return (%) | 6.15% | -4.02% |
| 3 Year Return (%) | 6.93% | 14.7% |
| 5 Year Return (%) | 6.11% | 12.03% |
| Since Launch (%) | 6.84% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Sonam Udasi; Amey Sathe (9.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 241% | 30% |
🤖 AI Verdict – Which is Better?
Chaliye, ab hum dekhenge ki kis fund mein lagatar paise ki growth hoti hai. Fund A ke 3Y return 6.93% hain, lekin Fund B ke 3Y return 14.7% hain. Lekin, expense ratio ke liye Fund B bada hai, 0.52%. Riskometer ka dhyan rakhte huye, Fund A ka riskometer Low hai, lekin Fund B ka riskometer Very High hai. Haan, Fund A lagatar paise ki growth ke liye 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 Navi Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.51 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
Aaj hum dekhenge ki SIP ke liye kis fund better hai. Fund A ke 1Y return 6.15% hain, lekin Fund B ke 1Y return -4.02% hain. Lekin, Fund A ke 5Y return 6.11% hain, jo Fund B ke 5Y return 12.03% se kam hai. Haan, Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Ab hum dekhenge ki kis fund mein risk aur cost ki comparison hoti hai. Fund A ka riskometer Low hai, lekin Fund B ka riskometer Very High hai. Lekin, Fund A ke expense ratio 0.12% hain, jo Fund B ke expense ratio 0.52% se kam hai. Sharpe ratio ka dhyan rakhte huye, Fund B ki sharpe ratio 0.64 hai, jo Fund A ki sharpe ratio 3.58 se kam hai. Haan, Fund A mein better risk-adjusted returns hain.
📊 Portfolio Diversification
Aaj hum dekhenge ki kis fund mein portfolio diversification hoti hai. Fund A mein asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Lekin, Fund B mein asset allocation Equity: 96.00%, T-Bills: 4.00% hai. Top holdings mein, Fund A mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills shamil hain. Lekin, Fund B mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. shamil hain. Haan, Fund A mein better portfolio diversification hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Navi Mutual Fund Large Cap Fund
₹1367804.07
@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?
Ans. Fund B ka 5Y return 12.03% hai, jo Fund A ka 5Y return 6.11% se jyada hai. Lekin, expense ratio ke liye Fund B bada hai. Haan, Fund B lagatar paise ki growth ke liye better hai.
Q2: Is the higher risk fund worth it?
Ans. Nahi, Fund B ka riskometer Very High hai, jisse lagatar paise ki growth mein risk hota hai. Lekin, Fund B ki sharpe ratio 0.64 hai, jo Fund A ki sharpe ratio 3.58 se kam hai. Haan, Fund B mein kuchh jatil risk hai.
Q3: Which fund is more cost-effective?
Ans. Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio 0.52% se kam hai. Haan, Fund A 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