ICICI Prudential Liquid Fund vs Tata Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.93%
Dekho, aapke paas do liquid funds hain - ICICI Prudential Liquid Fund aur Tata Mutual Fund Liquid Fund. Chaliye, aaj hum unke beech ka comparison karenge aur sahi fund ke liye aapko kya seekhne ko milega.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Tata Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.50 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.13 |
| Sharpe Ratio | 3.58 | 3.31 |
| 1 Year Return (%) | 6.15% | 6.17% |
| 3 Year Return (%) | 6.93% | 6.93% |
| 5 Year Return (%) | 6.11% | 6.11% |
| Since Launch (%) | 6.84% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 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 Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 241% | 297% |
🤖 AI Verdict – Which is Better?
Haan, fund B, Tata Mutual Fund Liquid Fund, hain long-term wealth creation ke liye better choice. Iska 3Y return 6.93% hai, jo Fund A ki tarah hi hai. Lekin, expense ratio mein Fund B kam hai, jisse aapko aur adhik paise milenge.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP suitabilit ke liye, fund B, Tata Mutual Fund Liquid Fund, hain better choice. Iska 3Y return aur consistency dono mein Fund A se bada hai. Isse aapko long-term wealth creation ke liye better returns milenge.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke liye, Fund A aur Fund B dono ek hi hain. Lekin, expense ratio mein Fund B kam hai, jisse aapko aapko adhik paise milenge.
📊 Portfolio Diversification
Asset allocation ke liye, dono funds ek hi hain. Lekin, top holdings mein State Bank of India CD aur HDFC Bank CD dono mein 8.5% aur 7.2% ki share hai, jisse sector risk hai. Isliye, Fund B ki asset allocation aur top holdings mein thoda sa bhi diversification hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Tata Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Sach ye hai, dono funds ke 5Y returns 6.11% hi hai. Lekin, 3Y returns ke liye, Fund B hain better choice.
Q2: Is the higher risk fund worth it?
Haan, iski Sharpe ratio aur volatility mein Fund A aur Fund B dono ek hi hain. Lekin, Fund A ke expense ratio mein Fund B kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ke expense ratio mein Fund A kam hai. Isliye, Fund B hain more cost-effective.
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