ICICI Prudential Liquid Fund vs SBI Focused Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
18.13%
Ek baar phir hum hain investment ke liye, lekin is baar humein do fundon ke beech meh choice karni hai. Fund A ek liquid fund hai, jabki Fund B ek multi-cap fund. Aaj humein ye pata karna hai ki kis fund mein invest karna hai. Dekho, humein Fund A ki liquid category aur Fund B ki multi-cap category ke beech meh alag karna hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BSBI Focused Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | SBI Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 411.88 | 432.21 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.47% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.25 |
| Sharpe Ratio | 3.58 | 0.88 |
| 1 Year Return (%) | 6.15% | 12.11% |
| 3 Year Return (%) | 6.93% | 18.13% |
| 5 Year Return (%) | 6.11% | 15.02% |
| Since Launch (%) | 6.84% | 15.63% |
| 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) | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 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%) | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% |
| Portfolio Turnover | 241% | 45% |
🤖 AI Verdict – Which is Better?
Chaliye, hum first 3Y return, expense ratio, aur riskometer ke beech meh compare karte hain. Fund A ka 3Y return 6.93% hai, jabki Fund B ka 3Y return 18.13% hai. Lekin Fund A ka expense ratio 0.12% hai, jabki Fund B ka 1.47% hai. Aur Fund A ka riskometer low hai, jabki Fund B ka very high hai. Toh, humein lagta hai ki Fund A long-term wealth creation ke liye better 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 SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
📈 SIP Suitability
SIP suitability ke liye hum consistency aur return stability ka compare karte hain. Fund A ka 1Y return 6.15% hai, jabki Fund B ka 12.11% hai. Lekin Fund A ka 5Y return 6.11% hai, jabki Fund B ka 15.02% hai. Toh, humein lagta hai ki Fund A monthly SIP ke liye better hai, lekin Fund B ka 1Y return acha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka compare karte hain. Fund A ka riskometer low hai, jabki Fund B ka very high hai. Aur Fund A ka volatility 0.12 hai, jabki Fund B ka 13.25 hai. Lekin Fund A ka Sharpe ratio 3.58 hai, jabki Fund B ka 0.88 hai. Toh, humein lagta hai ki Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka compare karte hain. Fund A ka asset allocation T-Bills mein 65% hai, jabki Fund B ka equity mein 76.29% hai. Aur Fund A ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai, jabki Fund B ka top 3 holdings Alphabet Inc Class A, State Bank of India, aur ICICI Bank Ltd. hai. Toh, humein lagta hai ki Fund A asset allocation mein better hai, lekin Fund B ka top holdings concentration badha hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
SBI Focused Fund
₹1695258.29
@18.1% 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 ki Fund B ka 5Y return 15.02% hai, jabki Fund A ka 5Y return 6.11% hai. Lekin Fund A ka 3Y return 6.93% hai, jabki Fund B ka 3Y return 18.13% hai. Toh, humein lagta hai ki Fund B long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Dekho, Fund B ka volatility 13.25 hai, jabki Fund A ka 0.12 hai. Aur Fund B ka Sharpe ratio 0.88 hai, jabki Fund A ka 3.58 hai. Toh, humein lagta hai ki Fund B ka higher risk fund nahin hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ka expense ratio 0.12% hai, jabki Fund B ka 1.47% hai. Toh, humein lagta hai ki Fund A more 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