Old Bridge Mutual Fund Liquid Fund vs ICICI Prudential Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
15.42%
Dekho, aaj hum do alag-alag type ke mutual funds ke beech mein comparison karenge - Old Bridge Mutual Fund Liquid Fund aur ICICI Prudential Small Cap Fund. Fund A ek liquid fund hai, jismein naye investors ke liye safalta seva ke liye ek aasan aur aam fund hai. Fund B ek small cap fund hai, jiska riskometer very high hai, lekin yeh aam investors ke liye nahi hai. Hum aapko iske beech mein comparison karenge aur aapko pata chalayega ki kya fund aapke liye behtar hai.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BICICI Prudential Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | ICICI Prudential |
| Category | Liquid Fund | Small Cap |
| NAV (₹) | 5622.79 | 96.92 |
| AUM (₹ Cr) | 4.73 Lac Cr | 2.27 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.82% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 17.48 |
| Sharpe Ratio | 3.58 | 0.51 |
| 1 Year Return (%) | 6.17% | 1.68% |
| 3 Year Return (%) | 6.93% | 15.42% |
| 5 Year Return (%) | 6.11% | 17.22% |
| Since Launch (%) | 50.63% | 16.62% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Harsh Upadhyaya; Sharmila D'Silva (4.2 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 | 239% | 21% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ek solid choice hai long-term wealth creation ke liye. Iska 3Y return 6.93% hai, jo Fund B ke 3Y return (15.42%) se kam hai, lekin riskometer very high hai. Fund A ka expense ratio bhi kam hai, 0.12%, jo Fund B ke expense ratio (0.82%) se kam hai. Haan, Fund A ek low risk fund hai, lekin iska return Fund B ke mukabla kam hai. Aapko decide karna hai ki aapko Fund B ka risk le sakna hai ya nahin.
Why consider Old Bridge Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.73 Lac Cr
- Sharpe Ratio: 3.58
Why consider ICICI Prudential Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 15.42%
- AUM: 2.27 Lac Cr
- Sharpe Ratio: 0.51
📈 SIP Suitability
Ek SIP ke roop mein, Fund A ek achha chayan hai 10+ saal ke liye. Iska return stability aur consistency bahut achhi hai, lekin Fund B ka return bhi bahut achha hai, lekin yeh ek high risk fund hai. Dekho, aapko apne risk appetite ke anusaar fund chunna hai. Fund A ek aasan aur aam fund hai, jiska return stability aur consistency bahut achhi hai.
⚠️ Risk & Cost Analysis
Riskometer ke anusaar, Fund B ek very high risk fund hai, jiska volatility 17.48 hai. Haan, Fund A ka riskometer low hai, jiska volatility 0.12 hai. Sharpe ratio ka dhyan rakho, jiska Fund A 3.58 hai, jo Fund B ke sharpe ratio (0.51) se kam hai. Iska matlab hai ki Fund A aapko better risk-adjusted returns deta hai. Expense ratio ke anusaar, Fund A ka expense ratio 0.12% hai, jo Fund B ke expense ratio (0.82%) se kam hai.
📊 Portfolio Diversification
Asset allocation ke anusaar, Fund A mein 65.00% T-Bills, 20.00% CD, 10.00% CP aur 5.00% cash hai. Fund B mein 91.00% equity aur 9.00% cash & equivalents hai. Dekho, Fund A ka asset allocation bahut aam hai, lekin Fund B ka asset allocation bahut high risk hai. Top holdings ke anusaar, Fund A mein State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Fund B mein Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), aur National Aluminium Company Ltd. (2.7%) hai. Haan, Fund A ka top holdings concentration bahut kam hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
ICICI Prudential Small Cap Fund
₹1429907.82
@15.4% 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 ka 5Y return 17.22% hai, jo Fund A ka 5Y return (6.11%) se kam hai, lekin Fund B ka riskometer very high hai. Iska matlab hai ki Fund B ka long-term return stability aur consistency Fund A ke mukabla kam hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility 17.48 hai, jo Fund A ka volatility (0.12) se kam hai, lekin Fund B ka Sharpe ratio 0.51 hai, jo Fund A ka Sharpe ratio (3.58) se kam hai. Iska matlab hai ki Fund B ka risk-adjusted return Fund A ke mukabla kam hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.12% hai, jo Fund B ke expense ratio (0.82%) se kam hai. Iska matlab hai ki Fund A aapke liye 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