ICICI Prudential Liquid Fund vs UTI 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%
Chaliye dekho, hum aaj Fund A aur Fund B ki tareef karenge. Dono fund Liquid category ka hain, lekin kya hoga agar hum unke return aur expense ratio ka comparison karenge? Aaj hum janne ja rhe hain ki isme kis fund ka long term wealth creation ke liye better hoga.
| Parameter | AICICI Prudential Liquid Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | UTI Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 411.88 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.58 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Haan, isme hum dono fund ki tareef karenge. Dekho, Fund A ka 3Y return 6.93% hai, jabki Fund B ka bhi 6.93% hai. Lekin expense ratio keh raha hai Fund A ki cheez, jisse iski performance thodi kam ho sakti hai. So, Fund B ka expense ratio Fund A ki trah hai. Lekin, riskometer ek hi hai dono fund ke liye. To, hum bataate hain Fund B 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP Suitability keh raha hai, to chaliye dekho. Fund A aur Fund B dono ka 5Y return ek hi hai, 6.11%. Lekin, SIP ke liye hum 10+ years ke liye ek fund chun rahe hain. To, Fund B better hai SIP ke liye, kyunki Fund A ka expense ratio thoda jyada hai.
⚠️ Risk & Cost Analysis
Ab dekho, riskometer ek hi hai dono fund ke liye, lekin volatility Fund A ka 0.12 hai, jabki Fund B ka 0.11 hai. Sharpe ratio bhi Fund B ka 3.91 hai, jabki Fund A ka 3.58 hai. To, Fund B better hai risk- adjusted returns ke liye. Lekin, expense ratio Fund A ki cheez hai. To, isme hum bataate hain Fund B better hai risk & cost analysis ke liye.
📊 Portfolio Diversification
Ab dekho, asset allocation Fund A aur Fund B ki trah hai. Lekin, top holdings concentration dekho. Fund A ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. Jabki Fund B ka bhi top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. To, isme hum bataate hain Fund B better hai portfolio diversification ke liye. Kya sector risk hai, to Fund A mein hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Liquid Fund
₹867076.87
@6.9% annual return (3Y)
UTI 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 fund ka 5Y return ek hi hai, 6.11%. Lekin, 3Y return bhi ek hi hai, 6.93%. To, isme hum bataate hain dono fund equal hai long run returns ke liye.
Q2: Is the higher risk fund worth it?
Ab dekho, riskometer ek hi hai dono fund ke liye. Lekin, volatility Fund A ka 0.12 hai, jabki Fund B ka 0.11 hai. Sharpe ratio bhi Fund B ka 3.91 hai, jabki Fund A ka 3.58 hai. To, isme hum bataate hain Fund B better hai risk-adjusted returns ke liye.
Q3: Which fund is more cost-effective?
Sach ye hai, dono fund ka expense ratio ek hi hai, 0.12%. To, isme hum bataate hain dono fund ek hi hai cost-effectiveness ke liye.
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