ICICI Prudential Liquid Fund vs SBI Midcap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
15.45%
Agar aap mein ek liquid aur midcap fund ka chayan karna hai, toh aaj humein do fundon ke beech ka comparison karne mein chareh hain. Fund A, ICICI Prudential Liquid Fund Direct Plan Growth hai, jo liquid category mein aata hai. Fund B, SBI Midcap Fund Direct Plan Growth hai, jo midcap category mein aata hai. Aaj humein is dono fundon ka comparison karke dikhaayenge ki kis fund mein long term mein paisa badhne ka avsar zyada hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BSBI Midcap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | SBI Mutual Fund |
| Category | Liquid | Mid Cap |
| NAV (₹) | 411.88 | 264.93 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.32 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.62% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.71 |
| Sharpe Ratio | 3.58 | 0.61 |
| 1 Year Return (%) | 6.15% | 1.71% |
| 3 Year Return (%) | 6.93% | 15.45% |
| 5 Year Return (%) | 6.11% | 16.58% |
| Since Launch (%) | 6.84% | 18.28% |
| 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) | Bhavin Vithlani; Pradeep Kesavan (2.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Bharat Heavy Electricals Ltd. (3.79%), Torrent Power Ltd. (3.73%), Adani Energy Solutions Ltd. (3.49%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 93.08% | T-Bills: 1.19% | Futures: 0.29% |
| Portfolio Turnover | 241% | 33% |
🤖 AI Verdict – Which is Better?
Agar hum long term mein paisa badhane ka chayan karte hain, toh Fund B, SBI Midcap Fund Direct Plan Growth, ek accha chayan hai. Iska 3Y return 15.45% hai, jo Fund A ki tarah se adhik hai. Lekin yeh fund bahut jatil hai aur iska riskometer bahut high hai. Haan, iska expense ratio 1.62% hai, jo Fund A ki tarah se adhik hai. Lekin Fund B ki 5Y return 16.58% hai, jo Fund A ki 5Y return se adhik hai. Toh hum kahaange ki Fund B ek accha chayan hai, lekin aapko yeh fund mein investment karne se pehle apne risk taqat ke baare mein sochna chaiye.
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 Midcap Fund?
- Expense ratio: 1.62%
- 3Y return: 15.45%
- AUM: 2.32 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Agar aap ek monthly SIP ke liye yeh fundon ka chayan karte hain, toh Fund A ek accha chayan hai. Iska 3Y return adhik hai aur iska expense ratio kam hai. Fund A ka riskometer bhi low hai, jo aapke SIP ke investement ko surakshit rakhta hai. Haan, Fund B ka 1Y return kam hai, lekin yeh fund long term mein adhik return deta hai. Lekin yeh fund bahut jatil hai aur iska riskometer bahut high hai. Toh aapko yeh fund mein investment karne se pehle apne risk taqat ke baare mein sochna chaiye.
⚠️ Risk & Cost Analysis
Agar hum riskometer, volatility, Sharpe ratio aur expense ratio ke beech ka comparison karte hain, toh Fund A ek accha chayan hai. Iska riskometer low hai, jo aapke SIP ke investement ko surakshit rakhta hai. Iska volatility bhi kam hai, jo aapke investement ko risk se bachata hai. Haan, iska Sharpe ratio 3.58 hai, jo Fund B ki tarah se adhik hai. Iska expense ratio bhi kam hai, jo aapke investement ko cost-effective banata hai. Toh hum kahaange ki Fund A ek accha chayan hai, lekin aapko yeh fund mein investment karne se pehle apne risk taqat ke baare mein sochna chaiye.
📊 Portfolio Diversification
Agar hum asset allocation aur top holdings concentration ke beech ka comparison karte hain, toh Fund A ek accha chayan hai. Iska asset allocation sabse adhik T-Bills mein hai, jo aapke SIP ke investement ko surakshit rakhta hai. Iska top holdings concentration bhi kam hai, jo aapke investement ko sector risk se bachata hai. Haan, Fund B ka asset allocation sabse adhik equity mein hai, jo aapke investement ko risk se bachata hai. Lekin yeh fund bahut jatil hai aur iska riskometer bahut high hai. Toh aapko yeh fund mein investment karne se pehle apne risk taqat ke baare mein sochna chaiye.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
SBI Midcap Fund
₹1432566.71
@15.4% 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?
Fund B, SBI Midcap Fund Direct Plan Growth, ek accha chayan hai. Iska 5Y return 16.58% hai, jo Fund A ki 5Y return se adhik hai.
Q2: Is the higher risk fund worth it?
Nahin, yeh fund bahut jatil hai aur iska riskometer bahut high hai. Fund A ek accha chayan hai, jo aapke SIP ke investement ko surakshit rakhta hai.
Q3: Which fund is more cost-effective?
Fund A, ICICI Prudential Liquid Fund Direct Plan Growth, ek accha chayan hai. Iska expense ratio 0.12% hai, jo Fund B ki tarah 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