ICICI Prudential Liquid Fund vs Nippon India Growth Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
25.15%
Dekho, aaj hum do aam fundon ka comparison kar rahe hain. Fund A, ICICI Prudential Liquid Fund Direct Plan Growth, ek Liquid fund hai, jabki Fund B, Nippon India Growth Mid Cap Fund Direct Plan Growth, ek Mid Cap fund hai. Ab aap jaante hain ki aap kya seekhenge - hum dono fundon ka comparison karenge aur kya hai unka verdict.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BNippon India Growth Mid Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Nippon India |
| Category | Liquid | Mid Cap |
| NAV (₹) | 411.88 | 4845.02 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.58 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.26% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 15.97 |
| Sharpe Ratio | 3.58 | 1.17 |
| 1 Year Return (%) | 6.15% | 10.17% |
| 3 Year Return (%) | 6.93% | 25.15% |
| 5 Year Return (%) | 6.11% | 22.32% |
| Since Launch (%) | 6.84% | 18.36% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Amber Singhania; Kinjal Desai; Rupesh Patel (8.0 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%) | BSE Ltd. (4.21%), Fortis Healthcare Ltd. (2.76%), The Federal Bank Ltd. (2.57%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 98.55% |
| Portfolio Turnover | 241% | 74% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B, Nippon India Growth Mid Cap Fund Direct Plan Growth, 3Y return mein bahut accha kaam kar raha hai. Lekin, expense ratio aur riskometer ka dhyan rakhna zaroori hai. Fund B ka expense ratio Fund A ke compare bahut jyada hai. Aur riskometer bhi bahut high hai. Isliye, Fund B long-term wealth creation ke liye nahi hai. Haan, Fund A, ICICI Prudential Liquid Fund Direct Plan Growth, isme best 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 Nippon India Growth Mid Cap Fund?
- Expense ratio: 1.26%
- 3Y return: 25.15%
- AUM: 4.58 Lac Cr
- Sharpe Ratio: 1.17
📈 SIP Suitability
Aapko monthly SIP ke liye Fund A, ICICI Prudential Liquid Fund Direct Plan Growth, better lagta hai. Yah fund consistent return stability ke sath aata hai. Lekin, Fund B, Nippon India Growth Mid Cap Fund Direct Plan Growth, risk factor ke sath aata hai. Isliye, SIP ke liye Fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer mein, Fund A, ICICI Prudential Liquid Fund Direct Plan Growth, low hai, jabki Fund B, Nippon India Growth Mid Cap Fund Direct Plan Growth, very high hai. Volatility mein bhi, Fund A bahut kam hai, jabki Fund B bahut jyada hai. Sharpe ratio mein bhi, Fund A better hai. Isliye, Fund A risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
Fund A, ICICI Prudential Liquid Fund Direct Plan Growth, asset allocation mein T-Bills, CD, CP, aur cash ka mix hai. Isse fund ka risk nahi badh raha hai. Lekin, Fund B, Nippon India Growth Mid Cap Fund Direct Plan Growth, 98.55% equity mein investment karta hai. Isse fund ka risk badh raha hai. Sector risk bhi hai, kyonki Fund B mein BSE Ltd., Fortis Healthcare Ltd., aur The Federal Bank Ltd. jaise companies ka shamil hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Nippon India Growth Mid Cap Fund
₹2691264.97
@25.1% 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, Fund A, ICICI Prudential Liquid Fund Direct Plan Growth, 5Y return mein 6.11% hai, jabki Fund B, Nippon India Growth Mid Cap Fund Direct Plan Growth, 25.15% hai. Ismein sabit hai ki Fund B long-run mein better returns deti hai.
Q2: Is the higher risk fund worth it?
Nahin, Fund B, Nippon India Growth Mid Cap Fund Direct Plan Growth, ke volatility aur Sharpe ratio mein bahut jyada kam hai. Isliye, Fund B ke risk ke liye aapko koi bhi guarantee nahin di ja sakti.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A, ICICI Prudential Liquid Fund Direct Plan Growth, expense ratio ke liye 0.12% hai, jabki Fund B, Nippon India Growth Mid Cap Fund Direct Plan Growth, 1.26% hai. Ismein sabit hai ki 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