ICICI Prudential Liquid Fund vs Quant 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%
Dekho, if you are confused between liquid and large cap funds, then you are at the right place. Fund A, ICICI Prudential Liquid Fund Direct Plan Growth, and Fund B, Quant Mutual Fund Large Cap Fund Direct Plan Growth, are two vastly different funds with distinct characteristics. Chaliye, let's dive into the comparison of these two funds and see which one is better suited for your investment goals.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BQuant Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Quant Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.47 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.4 |
| Sharpe Ratio | 3.58 | 0.66 |
| 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) | Sonam Udasi; Amey Sathe (9.2 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% | 27% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, Fund A is the clear winner. Its 3Y return of 6.93% is higher than Fund B's 3Y return of 14.7%. Lekin, the riskometer of Fund A is Low, whereas Fund B's is Very High. Haan, this means Fund A is a safer bet for long-term wealth creation. Chaliye, let's explore more.
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 Quant Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.47 Lac Cr
- Sharpe Ratio: 0.66
📈 SIP Suitability
Haan, for a monthly SIP for 10+ years, Fund A is a better choice. Its 5Y return of 6.11% is consistent and stable, while Fund B's 5Y return of 12.03% is volatile. Dekho, if you want a predictable return with low risk, Fund A is the way to go.
⚠️ Risk & Cost Analysis
Sach ye hai, when it comes to risk and cost analysis, Fund A is a clear winner. Its riskometer of Low is significantly lower than Fund B's Very High. Lekin, its volatility of 0.12 is also lower than Fund B's 12.4. Chaliye, let's look at the Sharpe ratio, which is 3.58 for Fund A and 0.66 for Fund B. Haan, this means Fund A offers better risk-adjusted returns. Lastly, the expense ratio of Fund A is 0.12%, which is lower than Fund B's 0.52%.
📊 Portfolio Diversification
Dekho, when it comes to portfolio diversification, Fund A has a more diversified asset allocation. Its 65% allocation to T-Bills and 20% to CDs makes it a safer bet. Lekin, Fund B's 96% allocation to equity and 4% to T-Bills makes it a more concentrated portfolio. Chaliye, let's look at the top holdings concentration. Fund A has a 13.5% concentration in its top 3 holdings, while Fund B has a 22.7% concentration in its top 3 holdings. Haan, this means Fund A has less sector risk.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Quant 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?
Haan, Fund B gives better returns in the long run with a 5Y return of 12.03%, but it also comes with higher risk. Fund A's 5Y return of 6.11% is consistent and stable, making it a better choice for risk-averse investors.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund B's higher risk is not worth it. Its volatility of 12.4 is significantly higher than Fund A's 0.12. Chaliye, let's look at the Sharpe ratio, which is 0.66 for Fund B and 3.58 for Fund A. Haan, Fund A offers better risk-adjusted returns.
Q3: Which fund is more cost-effective?
Haan, Fund A is more cost-effective with an expense ratio of 0.12%, which is lower than Fund B's 0.52%. Dekho, this is a significant difference, and it can impact your long-term returns.
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