SBI Liquid Fund vs ICICI Prudential Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
12.2%
Aaj hum do funds ke beech comparison karne ja rahe hain - SBI Liquid Fund aur ICICI Prudential Balanced Advantage Fund. Ye dono funds bahut hi popular hain, lekin aapko pata hai ki kis fund mein invest karna achha hai? Is article mein hum aapko fund A aur fund B ke beech comparison karenge, aur aapko batayenge ki kis fund mein invest karna achha hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BICICI Prudential Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Liquid | Hybrid |
| NAV (₹) | 4351.16 | 84.60 |
| AUM (₹ Cr) | 7.12 Lac Cr | 7.06 Lac Cr |
| Expense Ratio (%) | 0.12% | 1% |
| Riskometer | Low | Moderately High |
| Volatility | 0.12 | 9.34 |
| Sharpe Ratio | 3.25 | 0.61 |
| 1 Year Return (%) | 6.15% | 4.35% |
| 3 Year Return (%) | 6.89% | 12.2% |
| 5 Year Return (%) | 6.09% | 11.25% |
| Since Launch (%) | 6.79% | 12.54% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 68.12% | CD: 4.05% | REITs: 3.85% | SDL: 3.68% | GOI Sec: 3.07% | Debenture: 2.37% | T-Bills: 2.0% | NCD: 1.59% | Sec. Debt: 0.91% | Debt: 0.49% | InvITs: 0.32% | CP: 0.28% | ZCB: 0.23% | GOI FRB: 0.1% | Pref. Shares: 0.1% | ID: -0.59% | Futures: -3.84% |
| Portfolio Turnover | 260% | 451% |
🤖 AI Verdict – Which is Better?
Haan, aaj hum aapko fund A aur fund B ke beech verdict denge. Fund A ki 3Y return 6.89% hai, jo fund B ki 3Y return 12.2% se zyada hai. Lekin expense ratio ke madhyam se dekhe to fund A ki expense ratio 0.12% hai, jo fund B ki expense ratio 1% se kam hai. Aur riskometer ke madhyam se dekhe to fund A ka riskometer low hai, jo fund B ka riskometer moderately high hai. Isliye, hamara verdict hai ki fund A better hai long-term wealth creation ke liye.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider ICICI Prudential Balanced Advantage Fund?
- Expense ratio: 1%
- 3Y return: 12.2%
- AUM: 7.06 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
SIP (Systematic Investment Plan) ke madhyam se invest karna ek achha tareeka hai. Fund A aur fund B dono mein SIP suitable hai, lekin fund A ki consistency aur return stability fund B se zyada hai. Isliye, fund A better hai SIP ke madhyam se invest karna ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke madhyam se fund A aur fund B ke risk-adjusted returns compare karenge. Fund A ka riskometer low hai, jo fund B ka riskometer moderately high hai. Lekin expense ratio ke madhyam se dekhe to fund A ki expense ratio fund B ki expense ratio se kam hai. Isliye, fund A better hai risk-adjusted returns ke madhyam se.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke madhyam se fund A aur fund B ke portfolio diversification compare karenge. Fund A ka asset allocation T-Bills, CD, CP, aur cash mein hai, jo fund B ka asset allocation equity, CD, REITs, aur SDL mein hai. Fund A ka top holdings concentration State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai, jo fund B ka top holdings concentration TVS Motor Company Ltd., ICICI Bank Ltd., aur HDFC Bank Ltd. mein hai. Isliye, fund A better hai portfolio diversification ke madhyam se.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% 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 A ki 5Y return 6.09% hai, jo fund B ki 5Y return 11.25% se kam hai. Isliye, fund B better hai long-run return ke madhyam se.
Q2: Is the higher risk fund worth it?
Haan, fund B ki volatility 9.34 hai, jo fund A ki volatility 0.12 se zyada hai. Lekin Sharpe ratio ke madhyam se dekhe to fund A ka Sharpe ratio fund B ka Sharpe ratio se zyada hai. Isliye, fund B ka higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki fund A ki expense ratio 0.12% hai, jo fund B ki expense ratio 1% se kam hai. Isliye, fund A more 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