ICICI Prudential Liquid Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.96%
Abhi dekho, hamari yeh comparison hai Fund A aur Fund B ki. Dono Fund katigorii Liquid hain aur ye comparison hum aapko Fund A aur Fund B ki comparison karenge. Chaliye aap janne ki kya hoga.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Nippon India |
| Category | Liquid | Liquid |
| NAV (₹) | 411.88 | 6813.87 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.2% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.58 | 3.83 |
| 1 Year Return (%) | 6.15% | 6.21% |
| 3 Year Return (%) | 6.93% | 6.96% |
| 5 Year Return (%) | 6.11% | 6.14% |
| Since Launch (%) | 6.84% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 241% | 260% |
🤖 AI Verdict – Which is Better?
Haan, Fund B better hai long-term wealth creation ke liye. Iska sabse bada kaaran unka high 3Y return hai. Lekin, Fund A ka expense ratio kam hai. Sach ye hai, expense ratio se bhi aapko pata chal sakta hai ki Fund A better hai. Chaliye aap dekhte hain Fund B ka kya hai jo isko better bana raha 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 Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
Dono fund SIP ke liye suitable hain lekin Fund A ka consistency aur return stability kam hai. Isliye Fund B better hai SIP ke liye. Chaliye aap dekhne ki Fund B ka kya hai jo isko better bana raha hai.
⚠️ Risk & Cost Analysis
Fund A ka riskometer low hai aur expense ratio kam hai. Lekin, Fund B ka volatility kam hai aur Sharpe ratio high hai. Isliye Fund B better hai risk-adjusted returns ke liye. Chaliye aap dekhne ki Fund B ka kya hai jo isko better bana raha hai.
📊 Portfolio Diversification
Fund A ka asset allocation T-Bills, CD, CP aur cash mein hai. Isse aapko pata chal sakta hai ki Fund A ka portfolio diversified hai. Lekin, Fund B ka asset allocation CP, CD, T-Bills, Debenture, SDL aur Debt mein hai. Isse aapko pata chal sakta hai ki Fund B ka portfolio sector risk mein hai. Chaliye aap dekhne ki Fund B ka kya hai jo isko better bana raha hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@7.0% 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?
Fund B better hai long-term returns ke liye. Iska sabse bada kaaran unka 5Y return hai, jo 6.14% hai.
Q2: Is the higher risk fund worth it?
Fund B kam volatility hai lekin bada Sharpe ratio hai. Isliye, Fund B higher risk fund hai lekin worth hai.
Q3: Which fund is more cost-effective?
Fund A kam expense ratio hai, 0.12%. Isliye, Fund A more 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