ICICI Prudential Liquid Fund vs Quantum 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
6.56%
Agar aapne bhi apne investment portfolio mein liquid funds ko dhoondhna hai, to aaj ham aapko do popular funds ke baare mein batayenge. Fund A ICICI Prudential Liquid Fund hai, jo kam riske wala hai aur Fund B Quantum Liquid Fund hai. Kya aapko pata hai ki kiski performance better hai? Chaliye dekhte hain.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BQuantum Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Quantum Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 37.04 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.34 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.58 | 0.55 |
| 1 Year Return (%) | 6.15% | 5.71% |
| 3 Year Return (%) | 6.93% | 6.56% |
| 5 Year Return (%) | 6.11% | 5.82% |
| Since Launch (%) | 6.84% | 6.72% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 9 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | Atul Kumar (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% | 231% |
🤖 AI Verdict – Which is Better?
Haan, hamara verdict hai ki Fund A ICICI Prudential Liquid Fund better hai. 3 saal ke return mein Fund A 6.93% ka return deti hai, jabki Fund B ka return 6.56% hai. Iske alawa, Fund A ki expense ratio bhi kam hai, jo 0.12% hai. Riske meter par bhi dono funds low hain, lekin Fund A ka Sharpe ratio 3.58 hai, jo Fund B ka 0.55 se zyada hai. Dekho, Fund A bahut hi achhi performance ke saath kam riske ka fund 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 Quantum Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.56%
- AUM: 4.34 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
SIP ke liye Fund B Quantum Mutual Fund Liquid Fund zyada suitable hai. Fund B ka long term return stability aur consistency kaafi accha hai. Fund A ki performance Fund B se better hai, lekin Fund B ka consistency aur stability kaafi accha hai. Haan, Fund A ka expense ratio kam hai, lekin Fund B ka 5 saal ke return Fund A se zyada hai. Chaliye, Fund B SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer par dono funds low hain, lekin Fund A ka Sharpe ratio 3.58 hai, jo Fund B ka 0.55 se zyada hai. Iske alawa, Fund A ka expense ratio bhi kam hai, jo 0.12% hai. Fund A ka volatility bhi kam hai, jo 0.12% hai. Haan, Fund B ka riskometer bhi low hai, lekin Fund A ka overall performance better hai. Dekho, Fund A ka risk-adjusted return kaafi accha hai.
📊 Portfolio Diversification
Asset allocation mein dono funds ki performance acchi hai. Fund A ki asset allocation T-Bills, CD, CP aur Cash mein 65%, 20%, 10% aur 5% hai. Fund B ki asset allocation bhi T-Bills, CD, CP aur Cash mein 65%, 20%, 10% aur 5% hai. Haan, Fund A ka top holding State Bank of India CD hai, jo 8.5% hai. Fund B ka top holding bhi State Bank of India CD hai, jo 8.5% hai. Dekho, dono funds ki asset allocation aur top holdings mein koi farak nahin hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Quantum Mutual Fund Liquid Fund
₹849400.65
@6.6% 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 ICICI Prudential Liquid Fund ka 5 saal ka return 6.11% hai, jabki Fund B ka return 5.82% hai. Haan, Fund A ka 3 saal ka return bhi Fund B se zyada hai, jo 6.93% hai. Dekho, Fund A ka long term return stability aur consistency kaafi accha hai.
Q2: Is the higher risk fund worth it?
Rishe meter par dono funds low hain, lekin Fund A ka Sharpe ratio 3.58 hai, jo Fund B ka 0.55 se zyada hai. Iske alawa, Fund A ka volatility bhi kam hai, jo 0.12% hai. Haan, Fund A ka expense ratio bhi kam hai, jo 0.12% hai. Dekho, Fund A ka risk-adjusted return kaafi accha hai.
Q3: Which fund is more cost-effective?
Expense ratio mein Fund A ICICI Prudential Liquid Fund kam hai, jo 0.12% hai. Haan, Fund B ka expense ratio bhi kam hai, jo 0.12% hai. Dekho, dono funds ka expense ratio ek jaisa hai. Haan, Fund A ka overall performance Fund B se zyada hai. Dekho, Fund A kam riske ke sath better performance ka 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