ICICI Prudential Liquid Fund vs Navi Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
20.86%
Acche din ke liye, aapko acchi investment ki zaroorat hai. Aaj hum do fundon ke beech meh comparison karengay, jo aapke nivesh ko aage badha sakte hain. Fund A, ICICI Prudential Liquid Fund hai, jiska category Liquid hai aur Fund B, Navi Mutual Fund Multi Cap Fund hai, jiska category Multi Cap hai. Ye dono fund aapke pasalaa ke liye sahi options ho sakte hain, lekin kya ye dono fund aapke liye behtareen hain?
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Navi Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 411.88 | 19.01 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.81 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 15 |
| Sharpe Ratio | 3.58 | 0.96 |
| 1 Year Return (%) | 6.15% | 5.23% |
| 3 Year Return (%) | 6.93% | 20.86% |
| 5 Year Return (%) | 6.11% | 11.52% |
| Since Launch (%) | 6.84% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 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. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 241% | 52% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, Fund B, Navi Mutual Fund Multi Cap Fund better hai. Ye fund 3Y return mein 20.86% return deta hai, jo Fund A se zyada hai. Iske alava, Fund B ka expense ratio 1.68% hai, jo Fund A ke 0.12% se zyada hai, lekin riskometer Very High hai, isliye yeh fund aapke liye behtareen 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.81 Lac Cr
- Sharpe Ratio: 0.96
📈 SIP Suitability
Monthly SIP ke liye, Fund A, ICICI Prudential Liquid Fund better hai. Ye fund 10+ years ke liye consistency aur return stability deta hai, jo Fund B se kam hai. Fund A ka 1Y return 6.15% hai, jo Fund B ke 5.23% se zyada hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke liye comparison karte hain, to Fund A better risk-adjusted returns deta hai. Fund A ka riskometer Low hai, jo Fund B ke Very High se kam hai. Iske alava, Fund A ka volatility 0.12 hai, jo Fund B ke 15 se kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye comparison karte hain, to Fund B better diversified hai. Fund B ka equity 97.00% hai, jo Fund A ke T-Bills 65.00% se zyada hai. Iske alava, Fund B ka top holdings concentration HDFC Bank Ltd. aur ICICI Bank Ltd. mein hai, jo Fund A ke State Bank of India CD aur HDFC Bank CD se kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Navi Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Long-run returns ke liye, Fund B, Navi Mutual Fund Multi Cap Fund better hai. Ye fund 5Y return mein 11.52% return deta hai, jo Fund A ke 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Higher risk fund ke liye, Fund B, Navi Mutual Fund Multi Cap Fund kam vishwas ki fund hai. Ye fund ka volatility 15 hai, jo Fund A ke 0.12 se kam hai. Sharpe ratio ke liye comparison karte hain, to Fund A better hai.
Q3: Which fund is more cost-effective?
Cost-effectiveness ke liye comparison karte hain, to Fund A, ICICI Prudential Liquid Fund better hai. Ye fund ka expense ratio 0.12% hai, jo Fund B ke 1.68% se kam 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