ICICI Prudential Liquid Fund vs PPFAS Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.93%
Aapke paas do liquid funds hain - ICICI Prudential Liquid Fund aur PPFAS Mutual Fund Liquid Fund. Dono fundon ka category Liquid hai, aur riskometer Low hai. Dekho, aapke liye yah article fundon ke comparement ke liye hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | PPFAS Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.41 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.58 | 3.58 |
| 1 Year Return (%) | 6.15% | 6.17% |
| 3 Year Return (%) | 6.93% | 6.93% |
| 5 Year Return (%) | 6.11% | 6.11% |
| Since Launch (%) | 6.84% | 50.63% |
| 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) | Rajeev Thakkar (3.5 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%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 241% | 249% |
🤖 AI Verdict – Which is Better?
Haan, hum aapko batayenge ki kaunse fund long-term wealth creation ke liye acha hai. Chaliye, 3Y return, expense ratio, aur risk ke basis par hum dekhte hain ki kaunse fund acha hai. Fund A ka 3Y return 6.93% hai, lekin expense ratio bhi 0.12% hai. Fund B ka bhi 3Y return 6.93% hai, lekin expense ratio bhi 0.12% hai. Sach ye hai, dono fundon ka 3Y return ek hi hai, lekin expense ratio bhi ek hi hai. Isliye, hum Fund A ko better fund ke roop mein samjhaenge.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Aap monthly SIP karna chahte hain, to kya fund acha hai? Chaliye, hum dekhte hain ki Fund A aur Fund B ki consistency aur return stability kaisi hai. Fund A ka 1Y return 6.15% hai, aur 3Y return 6.93% hai. Fund B ka bhi 1Y return 6.17% hai, aur 3Y return 6.93% hai. Sach ye hai, dono fundon ki consistency aur return stability ek hi hai. Isliye, hum dono fundon ko SIP suitabale fund ke roop mein samjhaenge.
⚠️ Risk & Cost Analysis
Aapke liye risk aur cost ka samajhna bahut zaroori hai. Chaliye, hum dekhte hain ki Fund A aur Fund B ki riskometer, volatility, Sharpe ratio, aur expense ratio kaisi hai. Fund A ki riskometer Low hai, aur volatility 0.12% hai. Fund B ki bhi riskometer Low hai, aur volatility 0.12% hai. Sharpe ratio bhi dono fundon ka 3.58 hai. Expense ratio bhi dono fundon ka 0.12% hai. Sach ye hai, dono fundon ki riskometer, volatility, Sharpe ratio, aur expense ratio ek hi hai. Isliye, hum dono fundon ko risk-adjusted returns ke liye samjhaenge.
📊 Portfolio Diversification
Aapke paas portfolio diversification ka samajhna bahut zaroori hai. Chaliye, hum dekhte hain ki Fund A aur Fund B ki asset allocation aur top holdings concentration kaisi hai. Fund A ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Top holdings concentration mein State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Fund B ka bhi asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Top holdings concentration mein bhi State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Sach ye hai, dono fundon ki asset allocation aur top holdings concentration ek hi hai. Isliye, hum dono fundon ko portfolio diversification ke liye samjhaenge.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
PPFAS Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Haan, Fund A aur Fund B ke 5Y returns ek hi hai - 6.11%. Isliye, hum dono fundon ko long-term wealth creation ke liye acha fund samjhaenge.
Q2: Is the higher risk fund worth it?
Haan, Fund A aur Fund B ki volatility ek hi hai - 0.12%. Sharpe ratio bhi ek hi hai - 3.58. Isliye, hum dono fundon ko risk-adjusted returns ke liye acha fund samjhaenge.
Q3: Which fund is more cost-effective?
Haan, dono fundon ka expense ratio ek hi hai - 0.12%. Isliye, hum dono fundon ko cost-effective fund samjhaenge.
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