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%
Acche din ke liye investment zaroori hai. Aaj hum do fundon par focus karenge - SBI Liquid Fund aur ICICI Prudential Bluechip Fund. Ye dono funds Indian investors ke liye bahut hi achi options hain. Fund A ek liquid fund hai, jo investment ko samay se pahle niyamit rupayon mein invest karta hai. Fund B ek large cap fund hai, jiski investment equity mein hoti hai. Aaj hum dono funds ke beech ki comparison karenge aur aapko pata chalayega ki kis fund se aapke paas acha vittiya hasil hoga.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BICICI Prudential Bluechip Fund - Regular 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% | 1.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.54 |
| 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?
Haan, aaj humne dono funds ke beech ki comparison ki hai. Fund A ek liquid fund hai, jo 3 saal mein 6.89% ki return deta hai. Expense ratio bhi kam hai, 0.12% hai. Fund B ek large cap fund hai, jo 3 saal mein 15.44% ki return deta hai, lekin expense ratio 1.52% hai. Riskometer bhi bahut jyaada hai. Haan, fund A better option hai for long-term wealth creation.
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: 1.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
📈 SIP Suitability
SIP (Systematic Investment Plan) ek bahut hi achchi investment strategy hai. Fund A ek liquid fund hai, jisse aapko monthly SIP karne ke liye acchi return milti hai. Fund B ek large cap fund hai, jisse aapko monthly SIP karne ke liye achche returns mile honge, lekin volatility bahut jyada hai. Dekho, Fund A SIP ke liye better option hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility dono hi bahut jyada hai Fund B mein. Sharpe ratio bhi kam hai. Lekin expense ratio Fund B mein bahut jyada hai, 1.52%. Haan, Fund A risk-adjusted returns mein better hai.
📊 Portfolio Diversification
Fund A ek liquid fund hai, jisse aapko asset allocation mein accha balance milta hai. T-Bills, CD, CP aur Cash sabhi assets mein investment hota hai. Fund B ek large cap fund hai, jisse aapko equity mein investment hota hai. Dekho, Fund A asset allocation mein 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?
Sach ye hai, Fund A 5 saal mein 6.09% ki return deta hai, jisse aapko long-term wealth creation ke liye accha option milta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ek high-risk fund hai, lekin volatility bhi bahut jyada hai. Sharpe ratio bhi kam hai. Toh, Fund A risk-adjusted returns mein better hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A expense ratio mein better hai, 0.12%. Fund B expense ratio 1.52% hai. Toh, Fund A 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