ICICI Prudential Liquid Fund vs Navi Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.93%
Mere aane wale investor, dekho, hum aaj aapko Fund A aur Fund B ke beech ka comparison karne wala hain. Yeh do funds liquid fund category mein hain, jahan se aap apne investment ko 3-6 mahine tak kharid aur bechr sakte hain. Aaj hum aapko batayenge ki Fund A aur Fund B dono mein kya differences hain aur jis fund ko long term wealth creation ke liye better option hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Navi Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.13 |
| Sharpe Ratio | 3.58 | 3.31 |
| 1 Year Return (%) | 6.15% | 6.17% |
| 3 Year Return (%) | 6.93% | 6.93% |
| 5 Year Return (%) | 6.11% | 6.11% |
| Since Launch (%) | 6.84% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Haan, tumhe pata hi hai ki long term wealth creation mein 3Y return ka bahut bada impression hota hai. Chaliye, dekho. Fund A ka 3Y return 6.93% hai, lekin expense ratio bhi thoda zyada hai. Fund B ka 3Y return bhi 6.93% hai, lekin expense ratio thoda kam hai. Riskometer dono hi low hai, lekin Fund B ka volatility thoda zyada hai. Sach ye hai, Fund B ka Sharpe ratio bhi thoda zyada hai. Haan, tumhare liye Fund B better option 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Aapko pata hai ki monthly SIP ke liye consistency aur return stability bahut jaroori hai. Chaliye, dekho. Fund A ka 1Y return 6.15% hai aur 3Y return 6.93% hai. Fund B ka 1Y return 6.17% hai aur 3Y return bhi 6.93% hai. Haan, tumhe lagta hai ki dono hi fund consistent return de rahe hain, lekin Fund B ka 1Y return thoda zyada hai. Sach ye hai, Fund B monthly SIP ke liye better option hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility dono hi fund ka low hai, lekin Sharpe ratio Fund B ka thoda zyada hai. Chaliye, dekho. Fund A ka expense ratio 0.12% hai aur volatility 0.12 hai. Fund B ka expense ratio bhi 0.12% hai aur volatility 0.13 hai. Haan, tumhe lagta hai ki Fund B ka Sharpe ratio thoda zyada hai, lekin expense ratio kuch nahi hai. Sach ye hai, Fund B ka Sharpe ratio ke hisab se better option hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration dono hi fund mein thoda similar hai. Chaliye, dekho. Fund A mein T-Bills ka 65% investment hai, CD ka 20% investment hai, CP ka 10% investment hai aur cash ka 5% investment hai. Fund B mein bhi T-Bills ka 65% investment hai, CD ka 20% investment hai, CP ka 10% investment hai aur cash ka 5% investment hai. Haan, tumhe lagta hai ki dono hi fund asset allocation mein thoda similar hai, lekin top holdings concentration mein thoda difference hai. Sach ye hai, Fund B ka asset allocation thoda better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Navi Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Haan, tumhare liye Fund B better option hai, kyonki dono hi funds ke 5Y return 6.11% hai, lekin Fund B ka 1Y return thoda zyada hai.
Q2: Is the higher risk fund worth it?
Haan, tumhare liye Fund B ka Sharpe ratio thoda zyada hai, lekin volatility bhi thoda zyada hai. Tumhe apni risk tolerance ke hisab se fund chunna hai.
Q3: Which fund is more cost-effective?
Haan, tumhare liye Fund B ka expense ratio 0.12% hai, jiska koi difference Fund A ke expense ratio se nahi hai. Haan, tumhare liye Fund B 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