ICICI Prudential Liquid Fund vs Sundaram Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
22.93%
Mujhe lagta hai, aap dono funds ko ek saath compare karne ke liye aaye ho. Fund A hai ICICI Prudential Liquid Fund aur Fund B hai Sundaram Mutual Fund Multi Cap Fund. Aaj hum dono funds ke category, return, expense ratio, aur riskometer ke bare mein baat karenge, aur dekhiye ki kaunsa fund aapke long-term wealth creation ke liye better hai.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BSundaram Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Sundaram Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 411.88 | 1431.56 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.65 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.8 |
| Sharpe Ratio | 3.58 | 1.11 |
| 1 Year Return (%) | 6.15% | 6.91% |
| 3 Year Return (%) | 6.93% | 22.93% |
| 5 Year Return (%) | 6.11% | 19.07% |
| Since Launch (%) | 6.84% | 15.59% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) | S. Krishnakumar (3.5 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%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 241% | 50% |
🤖 AI Verdict – Which is Better?
Haan, Fund B ka 3Y return 22.93% hai, jo Fund A ke 3Y return (6.93%) se bahut alag hai. Lekin, expense ratio bhi bahut jyada hai, 1.68% hai. Riskometer bhi very high hai, jo aapke risk ki capacity ke hisaab se bhi zyada hai. Sach ye hai, Fund A ka expense ratio (0.12%) aur riskometer (Low) dono fund ke liye bahut achhe hain. Dekhiye, Fund B ka 3Y return bahut jyada hai, lekin expense ratio bhi bahut jyada hai. Mujhe lagta hai, Fund A better hai long-term wealth creation ke liye.
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 Sundaram Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 22.93%
- AUM: 1.65 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
Chaliye, hum SIP ke liye dono funds ko compare karte hain. Fund A ka 1Y return 6.15% hai, jo Fund B ke 1Y return (6.91%) se kam hai. Lekin, Fund A ka expense ratio (0.12%) aur riskometer (Low) dono fund ke liye bahut achhe hain. Fund B ka 1Y return jyada hai, lekin expense ratio aur riskometer dono zyada hai. Sach ye hai, Fund A ka consistency aur return stability dono fund ke liye better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Haan, Fund A ka riskometer Low hai, jo dono fund ke liye bahut achha hai. Sharpe ratio bhi 3.58 hai, jo Fund B ka Sharpe ratio (1.11) se bahut alta hai. Lekin, Fund B ka volatility (14.8) dono fund ke liye bahut jyada hai. Fund A ka expense ratio (0.12%) aur riskometer (Low) dono fund ke liye bahut achhe hain. Sach ye hai, Fund A ka risk-adjusted return better hai.
📊 Portfolio Diversification
Chaliye, hum dono funds ke portfolio diversification ko compare karte hain. Fund A ka asset allocation T-Bills (65.00%), CD (20.00%), CP (10.00%), aur Cash (5.00%) hai. Fund B ka asset allocation Equity (97.00%) aur T-Bills (3.00%) hai. Sach ye hai, Fund A ka asset allocation dono fund ke liye better hai. Fund B ka Equity (97.00%) sector risk dono fund ke liye bahut jyada hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Sundaram Mutual Fund Multi Cap Fund
₹2318032.57
@22.9% 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?
Answer: Fund B ka 5Y return 19.07% hai, jo Fund A ka 5Y return (6.11%) se bahut alta hai, lekin expense ratio bhi bahut jyada hai. Dekhiye, Fund B ka 5Y return jyada hai, lekin expense ratio bhi jyada hai.
Q2: Is the higher risk fund worth it?
Answer: Haan, Fund B ka volatility (14.8) dono fund ke liye bahut jyada hai, lekin Sharpe ratio bhi (1.11) alag hai. Dekhiye, Fund B ka higher risk fund hai, lekin Sharpe ratio bhi alag hai.
Q3: Which fund is more cost-effective?
Answer: Haan, Fund A ka expense ratio (0.12%) dono fund ke liye bahut accha hai. Dekhiye, Fund B ka expense ratio (1.68%) Fund A ke expense ratio (0.12%) se bahut jyada 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