SBI Liquid Fund vs ICICI Prudential Bluechip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
15.44%
Chaliye, dekho, we are comparing two funds from different categories - SBI Liquid Fund, a liquid fund, aur ICICI Prudential Bluechip Fund, ek large cap fund. Aapko pata hai ki aapko long-term wealth creation ke liye kya fund chunna chahiye. Ye article aapko fundon ke beech comparison karke kai mahatvapurn faidon se aapko sahayta karega.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BICICI Prudential Bluechip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 83.91 |
| AUM (₹ Cr) | 7.12 Lac Cr | 5.81 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.52 |
| Sharpe Ratio | 3.25 | 0.71 |
| 1 Year Return (%) | 6.15% | 24.48% |
| 3 Year Return (%) | 6.89% | 15.44% |
| 5 Year Return (%) | 6.09% | 12.65% |
| Since Launch (%) | 6.79% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 260% | 28% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B, ICICI Prudential Bluechip Fund, long-term wealth creation ke liye better hai. Iska 3Y return 15.44% hai, expense ratio 0.52% hai, aur riskometer Very High hai. Fund A, SBI Liquid Fund, ek liquid fund hai, jiski 3Y return 6.89% hai, expense ratio 0.12% hai, aur riskometer Low hai. Haan, Fund B jyada risk hai lekin iska potential long-term returns aur bada hai.
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 Bluechip Fund?
- Expense ratio: 0.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
📈 SIP Suitability
Dekho, SIP suitabilita ke liye Fund A better hai. Iska 1Y return 6.15% hai, 3Y return 6.89% hai, aur volatility 0.12 hai. Fund B ka 1Y return 24.48% hai, 3Y return 15.44% hai, aur volatility 12.52 hai. Haan, Fund B ka 1Y return jyada hai lekin uska 3Y return Fund A se kam hai. Fund A ka consistency aur return stability better hai.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund A ka expense ratio 0.12% hai, aur Fund B ka expense ratio 0.52% hai. Fund A ka riskometer Low hai, aur Fund B ka riskometer Very High hai. Fund A ka Sharpe ratio 3.25 hai, aur Fund B ka Sharpe ratio 0.71 hai. Haan, Fund A risk-Adjusted returns better offer karta hai.
📊 Portfolio Diversification
Chaliye, dekho, Fund A ka asset allocation T-Bills 65.00% hai, CD 20.00% hai, CP 10.00% hai, aur Cash 5.00% hai. Fund B ka asset allocation Equity 96.00% hai, aur T-Bills 4.00% hai. Fund A ka top holdings concentration bhi kam hai. Haan, Fund A portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
ICICI Prudential Bluechip Fund
₹1431679.77
@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, ICICI Prudential Bluechip Fund, long-run returns me better hai. Iska 5Y return 12.65% hai, aur 3Y return 15.44% hai.
Q2: Is the higher risk fund worth it?
Haan, higher risk fund, Fund B, worth hai lekin aapko apne investment goals aur risk tolerance ke hisaab se decision lena chahiye. Fund B ka volatility 12.52 hai, aur Sharpe ratio 0.71 hai.
Q3: Which fund is more cost-effective?
Fund A, SBI Liquid Fund, more cost-effective hai. Iska expense ratio 0.12% hai, aur Fund B ka expense ratio 0.52% 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