ICICI Prudential Liquid Fund vs PPFAS 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
20.86%
Chaliye, dekho. Aaj hum do mutual funds ki comparison karne ja rhe hain - ICICI Prudential Liquid Fund aur PPFAS Mutual Fund Multi Cap Fund. Ye do funds alag-alag categories mein hain - Liquid aur Multi Cap. Hamare paas aaj ye jaankari hai ki kis fund mein long-term mein paisa lagane ka maza hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | PPFAS Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 411.88 | 19.01 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.1 |
| Sharpe Ratio | 3.58 | 1.02 |
| 1 Year Return (%) | 6.15% | 5.23% |
| 3 Year Return (%) | 6.93% | 20.86% |
| 5 Year Return (%) | 6.11% | 14.84% |
| Since Launch (%) | 6.84% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 February 2023 |
| 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 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% | 41% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B (PPFAS Mutual Fund Multi Cap Fund) long-term mein Fund A (ICICI Prudential Liquid Fund) se better hai. Iska karan 3Y return, expense ratio, aur riskometer hai. Fund B ka 3Y return 20.86% hai, jo Fund A ka 6.93% se adhik hai. Iske alawa, Fund B ka expense ratio 1.68% hai, jo Fund A ka 0.12% se adhik hai. Lekin, Fund B ka riskometer Very High hai, jo Fund A ka Low riskometer se alag 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 PPFAS Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 1.02
📈 SIP Suitability
Ek monthly SIP ke liye, Fund B (PPFAS Mutual Fund Multi Cap Fund) better hai. Iska karan Fund B ka consistency aur return stability hai. Fund B ka 1Y return 5.23% hai, jo Fund A ka 6.15% se kam hai, lekin Fund B ka 3Y return 20.86% hai, jo Fund A ka 6.93% se adhik hai.
⚠️ Risk & Cost Analysis
Ye dono funds ki riskometer aur volatility ka mukhya saamanya hai. Fund B ka riskometer Very High hai, jo Fund A ka Low riskometer se alag hai. Lekin, Fund B ka Sharpe ratio 1.02 hai, jo Fund A ka 3.58 se kam hai. Iske alawa, Fund B ka expense ratio 1.68% hai, jo Fund A ka 0.12% se adhik hai.
📊 Portfolio Diversification
Fund A ka asset allocation T-Bills, CD, CP, aur Cash mein hai, jo Fund B ka asset allocation Equity aur T-Bills mein hai. Fund A ka asset allocation 65.00% T-Bills mein hai, jo Fund B ka asset allocation 97.00% Equity mein hai. Iske alawa, Fund A ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hain, jo Fund B ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein hain.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
PPFAS Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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, Fund B (PPFAS Mutual Fund Multi Cap Fund) long-term mein Fund A (ICICI Prudential Liquid Fund) se better hai. Iska karan 5Y return hai, jo Fund B ka 14.84% hai, jo Fund A ka 6.11% se adhik hai.
Q2: Is the higher risk fund worth it?
Nahin, iske liye Fund A (ICICI Prudential Liquid Fund) better hai. Iska karan Fund A ka Sharpe ratio 3.58 hai, jo Fund B ka 1.02 se adhik hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A (ICICI Prudential Liquid Fund) adhik cost-effective hai. Iska karan expense ratio hai, jo Fund A ka 0.12% hai, jo Fund B ka 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