ICICI Prudential Liquid Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
19.98%
Chaliye dekho, aaj hum do funds ki comparison karenge - ICICI Prudential Liquid Fund aur SBI ELSS Tax Saver Fund. Fund A ek liquid fund hai jo low risk se invest karta hai, jabki Fund B ek ELSS fund hai jo very high risk se invest karta hai. Aaj hum in dono funds ki comparison karenge aur dekhein ki kis fund mein long-term ke liye paise ka investment karna chahiye.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | SBI Mutual Fund |
| Category | Liquid | ELSS |
| NAV (₹) | 411.88 | 462.73 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.93% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 15.53 |
| Sharpe Ratio | 3.58 | 0.87 |
| 1 Year Return (%) | 6.15% | -1.1% |
| 3 Year Return (%) | 6.93% | 19.98% |
| 5 Year Return (%) | 6.11% | 17.91% |
| Since Launch (%) | 6.84% | 15.42% |
| 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) | Milind Agrawal (0.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 241% | 37% |
🤖 AI Verdict – Which is Better?
Haan, our verdict hai ki Fund B, SBI ELSS Tax Saver Fund, long-term ke liye better fund hai. Ye fund 3Y return mein 19.98% ki return di hai, jabki Fund A 3Y return mein 6.93% ki return di hai. Expense ratio ke mukabla bhi, Fund B 0.93% ki expense ratio se invest karta hai, jabki Fund A 0.12% ki expense ratio se invest karta hai. Lekin, Fund B ka riskometer very high hai, jissey investment bahut zaroori hai ki aap apne investment ko risk se samajhkar karein.
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 SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
SIP ke liye Fund A, ICICI Prudential Liquid Fund, better fund hai. Ye fund consistent return diya hai aur low risk se invest karta hai. Fund B ka 1Y return negative hai, jissey SIP ke liye investment karna theek nahi hai. Lekin, yadi aap long-term ke liye invest karna chahte hain, toh Fund B ka 3Y return bahut achha hai, jissey aapko long-term ke liye investment karne se pehle sochna padega.
⚠️ Risk & Cost Analysis
Fund A ka riskometer low hai aur volatility 0.12 hai, jissey risk-adjusted return bahut achha hai. Fund B ka riskometer very high hai aur volatility 15.53 hai, jissey risk-adjusted return thoda kam hai. Expense ratio ke mukabla bhi, Fund A 0.12% ki expense ratio se invest karta hai, jabki Fund B 0.93% ki expense ratio se invest karta hai. Haan, Fund B ka 3Y return bahut achha hai, lekin Fund A ka low risk aur consistent return Fund B se kam risk se invest karna chahte hain.
📊 Portfolio Diversification
Fund A ka asset allocation bahut diversified hai. Ye fund 65% T-Bills, 20% CD, 10% CP aur 5% cash mein invest karta hai. Fund B ka asset allocation theek nahi hai. Ye fund 96% equity aur 0.12% T-Bills mein invest karta hai, jissey sector risk bahut jyada hai. Haan, Fund B ka 3Y return bahut achha hai, lekin Fund A ka diversified portfolio Fund B se kam sector risk se invest karna chahte hain.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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?
Ans: Fund B, SBI ELSS Tax Saver Fund, 5Y return mein 17.91% aur 3Y return mein 19.98% ki return di hai, jissey long-term ke liye better fund hai.
Q2: Is the higher risk fund worth it?
Ans: Haan, Fund B ka higher risk fund worth hai, lekin aapko apne investment ko risk se samajhkar karna padega. Fund B ka volatility 15.53 hai, jissey risk-adjusted return bahut kam hai.
Q3: Which fund is more cost-effective?
Ans: Fund A, ICICI Prudential Liquid Fund, expense ratio ke mukabla 0.12% ki expense ratio se invest karta hai, jissey Fund B se kam cost-effective 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