ICICI Prudential Liquid Fund vs PPFAS Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
14.7%
Chaliye, dekho, main aapko Fund A aur Fund B ki tarah ke do mutual funds ke bare mein batane ja raha hoon. Ye donon fund kisi bhi investor ke liye achhe vikalp ho sakte hain, lekin inki shuruaati shartain aur lagni aur fund ke kaaryakram ke alag-alag hain. Aapko is article mein fund A aur B ka sanvedanshail vichar kiya jayega.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | PPFAS Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.44 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.07 |
| Sharpe Ratio | 3.58 | 0.68 |
| 1 Year Return (%) | 6.15% | -4.02% |
| 3 Year Return (%) | 6.93% | 14.7% |
| 5 Year Return (%) | 6.11% | 12.03% |
| Since Launch (%) | 6.84% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Rajeev Thakkar (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 241% | 24% |
🤖 AI Verdict – Which is Better?
Sach ye hai, fund B ka 3Y return fund A se zyada hai, lekin expense ratio aur riskometer ka dhyaan rakhna bahut zaroori hai. Dekhna hoga ki fund A ka expense ratio fund B ke mukabale kam hai aur riskometer bhi low hai. Isliye, fund A zyada accha fund hai long-term ke liye.
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 PPFAS Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.44 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
SIP ke liye Fund A aur B donon achhe hain, lekin fund A ka return consistency aur stability fund B ke mukabale zyada hai. Fund A ka 1Y return fund B ke mukabale zyada hai aur 3Y return bhi thoda zyada hai. Isliye, fund A SIP ke liye zyada accha fund hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke mukabale fund A fund B se kam risk wala fund hai. Sharpe ratio aur expense ratio ke mukabale fund A fund B se zyada accha fund hai. Isliye, fund A zyada accha fund hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Asset allocation ke mukabale fund A fund B se kam diversified fund hai. Fund A ka 65% asset T-Bills mein hai, jabki fund B ka 96% asset equity mein hai. Isliye, fund B zyada diversified fund hai. Sector risk ke mukabale fund B fund A se zyada risk wala fund hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
PPFAS Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 ka 5Y return fund B ke mukabale 6.11% hai, lekin fund B ka 3Y return fund A ke mukabale 14.7% hai. Isliye, fund B long run ke liye zyada achha fund hai.
Q2: Is the higher risk fund worth it?
Bilkul, fund B ka volatility fund A ke mukabale 12.07 hai, lekin Sharpe ratio fund A ke mukabale fund B se kam hai. Isliye, fund B zyada risk wala fund hai, lekin fund A ka risk-adjusted returns zyada accha hai.
Q3: Which fund is more cost-effective?
Sach ye hai, fund A ka expense ratio fund B ke mukabale 0.12% hai, jisse fund A zyada cost-effective fund 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