ICICI Prudential Liquid Fund vs SBI Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
13.45%
Agar aapne bhi liquid aur small cap funds mein investment kiya hai, to ye post aapki madad karega. Aaj hum do fund ko compare karenge. Fund A, ICICI Prudential Liquid Fund hai, jo liquid category mein aata hai, jabki Fund B, SBI Small Cap Fund hai, jo small cap category mein aata hai. Dekho, kya Fund A better hai ya Fund B.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BSBI Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | SBI Mutual Fund |
| Category | Liquid | Small Cap |
| NAV (₹) | 411.88 | 192.12 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.46 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.82% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 17.83 |
| Sharpe Ratio | 3.58 | 0.39 |
| 1 Year Return (%) | 6.15% | 0.06% |
| 3 Year Return (%) | 6.93% | 13.45% |
| 5 Year Return (%) | 6.11% | 14.57% |
| Since Launch (%) | 6.84% | 23.96% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 18 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | R. Srinivasan (10.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 241% | 23% |
🤖 AI Verdict – Which is Better?
Chaliye, long-term wealth creation ke liye Fund B, SBI Small Cap Fund, better hai. Iska reason hai 3Y return aur expense ratio. Fund B ka 3Y return 13.45% hai, jabki fund A ka 6.93% hai. Expense ratio bhi Fund B ko favor kar raha hai, jo 0.82% hai, jabki Fund A ka expense ratio 0.12% hai. Lekin, yeh koi aisa fund nahi hai jo risk nahin leta. Riskometer Very High hai aur volatility 17.83 hai. Haan, Fund B ka Sharpe ratio 0.39 hai, jo Fund A ka 3.58 se kam hai. Sach ye hai, Fund B long-term mein better hai, lekin aapko apne investment strategy ko dhyan mein rakhan hoga.
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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 13.45%
- AUM: 2.46 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
SIP suitabilita ke liye, Fund A better hai. Fund A ka consistency aur return stability Fund B se adhik achha hai. Fund A ka 1Y return 6.15% hai, jabki Fund B ka 0.06% hai. 5Y return bhi Fund A ka adhik hai, jo 6.11% hai. Haan, Fund A ka expense ratio Fund B ke mukable kam hai. Dekho, SIP ke liye Fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ka comparison karte huye, pata chalta hai ki Fund A better hai. Fund A ka riskometer Low hai, jabki Fund B ka Very High hai. Volatility bhi Fund A ka adhik kam hai, jo 0.12 hai. Sharpe ratio bhi Fund A ka adhik hai, jo 3.58 hai. Expense ratio bhi Fund A ko favor kar raha hai, jo 0.12% hai. Haan, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karte huye, pata chalta hai ki Fund B better hai. Fund B ka asset allocation Equity mein 91% hai, jabki Fund A ka asset allocation T-Bills mein 65% hai. Top holdings concentration bhi Fund B ka adhik hai, jo 3 holdings mein 14% hai. Haan, Fund B ka sector risk Fund A se adhik hai. Dekho, Fund B portfolio mein adhik diversification hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
SBI Small Cap Fund
₹1267390.94
@13.4% 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 Small Cap Fund, 5Y return mein better hai, jo 14.57% hai. Fund A ka 5Y return 6.11% hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B higher risk fund hai, lekin yeh risk-adjusted returns bhi offer karta hai. Sharpe ratio bhi Fund B ka 0.39 hai, jo Fund A ka 3.58 se kam hai. Lekin, aapko apne investment strategy ko dhyan mein rakhan hoga.
Q3: Which fund is more cost-effective?
Fund A, ICICI Prudential Liquid Fund, expense ratio ke mukable adhik cost-effective hai, jo 0.12% hai. Fund B ka expense ratio 0.82% 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