ICICI Prudential Liquid Fund vs Old Bridge Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
12.3%
Today, we are comparing two distinct funds for Indian investors: ICICI Prudential Liquid Fund and Old Bridge Mutual Fund Balanced Advantage Fund. Dekho, these funds have different investment objectives and risk levels. In this analysis, we will help you understand which fund is better for your long-term wealth creation goals.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Old Bridge Mutual Fund |
| Category | Liquid | Balanced Hybrid |
| NAV (₹) | 411.88 | 16.39 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.58 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.78% |
| Riskometer | Low | Moderately High |
| Volatility | 0.12 | 9.11 |
| Sharpe Ratio | 3.58 | 0.64 |
| 1 Year Return (%) | 6.15% | 3.08% |
| 3 Year Return (%) | 6.93% | 12.3% |
| 5 Year Return (%) | 6.11% | 5.27% |
| Since Launch (%) | 6.84% | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 241% | 145% |
🤖 AI Verdict – Which is Better?
For long-term wealth creation, we consider the 3Y return, expense ratio, and riskometer. Fund A, ICICI Prudential Liquid Fund, offers a 3Y return of 6.93% with a low riskometer and low expense ratio of 0.12%. Haan, this fund is a clear winner for long-term wealth creation. Lekin, if you are looking for a balanced fund with equity exposure, Old Bridge Mutual Fund Balanced Advantage Fund might be a better option for you.
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 Old Bridge Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.58 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
For a monthly SIP of 10+ years, we need to evaluate consistency and return stability. Both funds have a stable return profile, but Old Bridge Mutual Fund Balanced Advantage Fund has a higher volatility of 9.11. Chaliye, if you are looking for a consistent return, ICICI Prudential Liquid Fund might be a better choice. However, if you want to invest in a fund with equity exposure, Old Bridge Mutual Fund Balanced Advantage Fund can be considered.
⚠️ Risk & Cost Analysis
When evaluating risk, we consider the riskometer, volatility, Sharpe ratio, and expense ratio. ICICI Prudential Liquid Fund has a low riskometer and low volatility of 0.12, while Old Bridge Mutual Fund Balanced Advantage Fund has a moderately high riskometer and high volatility of 9.11. Sach ye hai, ICICI Prudential Liquid Fund offers better risk-adjusted returns due to its low expense ratio of 0.12%.
📊 Portfolio Diversification
Portfolio diversification is crucial for reducing risk. ICICI Prudential Liquid Fund has a diversified asset allocation of T-Bills (65%), CD (20%), CP (10%), and cash (5%). Old Bridge Mutual Fund Balanced Advantage Fund has a more concentrated equity exposure of 65%. Dekho, ICICI Prudential Liquid Fund is more diversified and has a lower sector risk.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Old Bridge Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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?
Based on the 5Y return, ICICI Prudential Liquid Fund offers a 5Y return of 6.11%, while Old Bridge Mutual Fund Balanced Advantage Fund offers a 5Y return of 5.27%. Chaliye, ICICI Prudential Liquid Fund gives better returns in the long run.
Q2: Is the higher risk fund worth it?
Old Bridge Mutual Fund Balanced Advantage Fund has a higher volatility of 9.11 and a lower Sharpe ratio of 0.64. Lekin, if you are willing to take on more risk, this fund might be worth considering. Dekho, the higher risk is not justified by the returns.
Q3: Which fund is more cost-effective?
ICICI Prudential Liquid Fund has a lower expense ratio of 0.12%, while Old Bridge Mutual Fund Balanced Advantage Fund has a higher expense ratio of 0.78%. Chaliye, ICICI Prudential Liquid Fund is more cost-effective.
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