SBI Blue Chip Fund vs ICICI Prudential Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.44%
3Y Return
6.93%
Dekho, today we are comparing two different types of funds - SBI Blue Chip Fund, a Large Cap fund, and ICICI Prudential Liquid Fund, a Liquid fund. Both funds have unique characteristics, and in this article, we will help you understand which one is better suited for your long-term wealth creation goals. Chaliye, let's dive into the details of both funds and find out which one is the winner!
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Large Cap | Liquid |
| NAV (₹) | 166.74 | 411.88 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.12 |
| Sharpe Ratio | 0.52 | 3.58 |
| 1 Year Return (%) | -0.75% | 6.15% |
| 3 Year Return (%) | 12.44% | 6.93% |
| 5 Year Return (%) | 13.47% | 6.11% |
| Since Launch (%) | 22.61% | 6.84% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) |
| Benchmark | Nifty 50 | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 8% | 241% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, we look at the 3Y return, expense ratio, and risk. Fund A has a 3Y return of 12.44% with a very high riskometer, while Fund B has a 3Y return of 6.93% with a low riskometer. Considering the balance between return and risk, we think Fund A is a better choice for long-term wealth creation. Lekin, please note that Fund A has a very high expense ratio of 1.43%, which might eat into your returns.
Why consider SBI Blue Chip Fund?
- Expense ratio: 1.43%
- 3Y return: 12.44%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.52
Why consider ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP (Systematic Investment Plan) is a great way to invest in mutual funds. For a monthly SIP of 10+ years, we would recommend Fund B over Fund A. Fund B has a more stable return profile and a lower expense ratio, making it a more suitable option for a long-term SIP. Dekho, this is because Fund B has a lower volatility of 0.12 compared to Fund A's 11.37.
⚠️ Risk & Cost Analysis
Let's analyze the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Fund A has a very high riskometer and a Sharpe ratio of 0.52, while Fund B has a low riskometer and a Sharpe ratio of 3.58. Volatility-wise, Fund A has a volatility of 11.37, while Fund B has a volatility of 0.12. Considering all these factors, we think Fund B offers better risk-adjusted returns. Haan, it also has a lower expense ratio of 0.12% compared to Fund A's 1.43%.
📊 Portfolio Diversification
Portfolio diversification is crucial for any investment portfolio. Fund A has a very high equity allocation of 97.26%, which means it is more concentrated in stocks. Fund B, on the other hand, has a more diversified asset allocation of T-Bills, CD, CP, and cash. This makes Fund B a more diversified option. Lekin, sector-wise, Fund A has a higher concentration in banks, while Fund B has a more diversified sector allocation.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
ICICI Prudential 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, Fund A has a higher 5Y return of 13.47% compared to Fund B's 6.11%. But considering the balance between return and risk, Fund A is a better choice for long-term wealth creation.
Q2: Is the higher risk fund worth it?
Haan, Fund A is a higher risk fund, but it also offers higher returns. However, its Sharpe ratio of 0.52 is lower than Fund B's 3.58, indicating that Fund B offers better risk-adjusted returns.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B is more cost-effective with an expense ratio of 0.12% compared to Fund A's 1.43%. Dekho, this makes a significant difference in your returns over the long term.
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