ICICI Prudential Liquid Fund vs Tata Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
14.7%
Aaj hum do alag-alag type ke mutual fund schemes ke bare mein baat karenge, Fund A - ICICI Prudential Liquid Fund aur Fund B - Tata Mutual Fund Large Cap Fund. Ye donkein fund scheme ek dusre se bahut alag hain, ek liquid fund hai aur doosra large cap fund.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BTata Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Tata Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 411.88 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.93 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.94 |
| Sharpe Ratio | 3.58 | 0.63 |
| 1 Year Return (%) | 6.15% | -4.02% |
| 3 Year Return (%) | 6.93% | 14.7% |
| 5 Year Return (%) | 6.11% | 12.03% |
| Since Launch (%) | 6.84% | 11.65% |
| 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) | Sonam Udasi (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 241% | 32% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum aisa dekhte hain ki Fund B - Tata Mutual Fund Large Cap Fund 3Y return ke mukhya aadhar par bhi bahut achha performance dikh raha hai, lekin expense ratio aur riskometer ke mukhya aadhar par, Fund A - ICICI Prudential Liquid Fund hi bhi bahut achha hai. Haan, Fund A ki performance Fund B ki comparison mein kam hai, lekin iski expense ratio bahut kam hai, jisse Fund A ki performance Fund B se achhi lagti 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 Tata Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.93 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
Monthly SIP ke liye, Fund A - ICICI Prudential Liquid Fund bahut achha hai. Iska 3Y return bahut achha hai aur expense ratio bahut kam hai. Fund B ki performance bahut jatil hai, lekin iska 3Y return Fund A ke mukhya aadhar par bhi bahut achha hai, lekin expense ratio bahut jyada hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke mukhya aadhar par, Fund B - Tata Mutual Fund Large Cap Fund bahut jatil hai, lekin Sharpe ratio ke mukhya aadhar par, Fund A - ICICI Prudential Liquid Fund hi bhi bahut achha hai. Expense ratio ke mukhya aadhar par, Fund A bahut kam hai, jisse Fund A ki performance Fund B se achhi lagti hai.
📊 Portfolio Diversification
Asset allocation ke mukhya aadhar par, Fund A - ICICI Prudential Liquid Fund bahut diversified hai, lekin Fund B - Tata Mutual Fund Large Cap Fund bahut kam diversified hai. Top holdings concentration ke mukhya aadhar par, Fund A bahut kam hai, lekin Fund B bahut jyada hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Tata Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 - Tata Mutual Fund Large Cap Fund ka 5Y return Fund A - ICICI Prudential Liquid Fund ka 3Y return se bada hai, lekin Fund A ka expense ratio Fund B se kam hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B - Tata Mutual Fund Large Cap Fund ki higher risk se bhi bahut chunautiyan mil sakti hain, lekin sharpe ratio ke mukhya aadhar par, Fund A - ICICI Prudential Liquid Fund hi bhi bahut achha hai.
Q3: Which fund is more cost-effective?
Fund A - ICICI Prudential Liquid Fund ka expense ratio Fund B - Tata Mutual Fund Large Cap Fund ka expense ratio se kam hai, jisse Fund A kitna 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