ICICI Prudential Liquid Fund vs Old Bridge 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
1.9%
Agar aap ek naye fund mein invest karna chahte hain, toh yeh article aapko Fund A aur Fund B ke beech ki majbooti aur khataron ke baare mein batayega. Dekho, yeh dono fund aise hai jo aapke long-term wealth creation ke liye upyukt hain.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Old Bridge Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 411.88 | 8.38 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.89 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.85 |
| Sharpe Ratio | 3.58 | 1.82 |
| 1 Year Return (%) | 6.15% | -11.42% |
| 3 Year Return (%) | 6.93% | 1.9% |
| 5 Year Return (%) | 6.11% | 1.13% |
| Since Launch (%) | 6.84% | -11.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 6 November 2024 |
| 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% | 38% |
🤖 AI Verdict – Which is Better?
Chaliye, Fund A aur Fund B ke beech ki comparison karein. Fund A ek liquid fund hai jismein riskometer low hai aur expense ratio 0.12% hai. Lekin Fund B ek multi-cap fund hai jo very high riskometer rakhta hai aur expense ratio 1.68% hai. Sach ye hai ki Fund A ne 3Y mein 6.93% ki return di hai, jo Fund B ke 1.9% ke return se adhik hai. Isliye, hum Fund A ko better fund samjhte hain.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 1.9%
- AUM: 1.89 Lac Cr
- Sharpe Ratio: 1.82
📈 SIP Suitability
Haan, SIP suitablity ke liye Fund A aur Fund B ke beech ki comparison karein. Fund A ek stable fund hai jo monthly SIP ke liye upyukt hai. Iska 1Y return 6.15% hai aur volatility 0.12 hai. Lekin Fund B ka 1Y return -11.42% hai aur volatility 13.85 hai. Isliye, Fund A SIP ke liye upyukt fund hai.
⚠️ Risk & Cost Analysis
Lekin, Fund A aur Fund B ke beech ki risk & cost analysis karein. Fund A ka riskometer low hai aur expense ratio 0.12% hai. Lekin Fund B ka riskometer very high hai aur expense ratio 1.68% hai. Iske alawa, Fund A ka Sharpe ratio 3.58 hai aur volatility 0.12 hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Chaliye, Fund A aur Fund B ke beech ki portfolio diversification compare karein. Fund A ek liquid fund hai jismein asset allocation T-Bills, CD, CP, aur cash mein hai. Iske alawa, Fund A ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai. Lekin Fund B ek multi-cap fund hai jismein asset allocation Equity aur T-Bills mein hai. Iske alawa, Fund B ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein hai. Isliye, Fund A ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Old Bridge Mutual Fund Multi Cap Fund
₹661259.80
@1.9% 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?
Sach ye hai ki Fund A ne 5Y mein 6.11% ki return di hai, jo Fund B ke 1.13% ke return se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk hoke bhi, volatility 13.85 hai aur Sharpe ratio 1.82 hai, jo Fund A ke 0.12 aur 3.58 se kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A 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