SBI Liquid Fund vs ICICI Prudential Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
14.81%
Dekho, today we're comparing two SEBI-registered funds - SBI Liquid Fund Direct Plan Growth and ICICI Prudential Large Cap Fund Direct Plan Growth. Fund A is a liquid fund, while Fund B is a large-cap equity fund, catering to different investor preferences. In this article, we'll help you decide which fund is better for your long-term wealth creation, based on their performance, risk, and cost. Chaliye, let's dive in!
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BICICI Prudential Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 117.10 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.36 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.43 |
| Sharpe Ratio | 3.25 | 0.73 |
| 1 Year Return (%) | 6.15% | -2.39% |
| 3 Year Return (%) | 6.89% | 14.81% |
| 5 Year Return (%) | 6.09% | 14.18% |
| Since Launch (%) | 6.79% | 14.71% |
| 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) | Anish Tawakley (3.5 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% | 17% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B's 3Y return of 14.81% is significantly higher than Fund A's 6.89%. However, Fund B has a riskometer of Very High and a higher volatility of 11.43, which can be a concern for risk-averse investors. Considering these factors, we'd recommend Fund A for long-term wealth creation due to its lower expense ratio of 0.12% compared to Fund B's 0.52%. Haan, Fund A's low risk and stable returns make it a better choice.
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 Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.81%
- AUM: 2.36 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
For a monthly SIP of 10+ years, we'd suggest Fund A over Fund B. Fund A's consistency and return stability are higher, with a 1Y return of 6.15% and a 3Y return of 6.89%. Fund B's returns are more volatile, with a 1Y return of -2.39%. Lekin, if you're willing to take on more risk, Fund B might be a good option. Chaliye, it depends on your risk appetite and investment horizon.
⚠️ Risk & Cost Analysis
Riskometer and volatility are key indicators of risk. Fund A has a riskometer of Low and a volatility of 0.12, while Fund B has a riskometer of Very High and a volatility of 11.43. Sharpe ratio, which measures risk-adjusted returns, is also higher for Fund A at 3.25 compared to Fund B's 0.73. Expense ratio is another important factor, with Fund A at 0.12% and Fund B at 0.52%. Haan, Fund A offers better risk-adjusted returns at a lower cost.
📊 Portfolio Diversification
Fund A is a liquid fund with an asset allocation of 65% T-Bills, 20% CD, 10% CP, and 5% cash. Its top holdings include State Bank of India CD (8.5%), HDFC Bank CD (7.2%), and Reliance Industries T-Bills (6.8%). Fund B, on the other hand, is a large-cap equity fund with an asset allocation of 96% equity and 4% T-Bills. Its top holdings include HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), and Reliance Industries Ltd. (6.9%). Dekho, Fund A has a more diversified portfolio with a lower concentration of top holdings.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
ICICI Prudential Large Cap Fund
₹1377083.20
@14.8% 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 B's 5Y return of 14.18% is higher than Fund A's 6.09%. However, its 3Y return of 14.81% is significantly better, making it a better option for long-term wealth creation.
Q2: Is the higher risk fund worth it?
Lekin, higher risk doesn't always mean higher returns. Fund B's volatility of 11.43 is significantly higher than Fund A's 0.12. Sharpe ratio is also lower for Fund B at 0.73 compared to Fund A's 3.25. Haan, it's essential to consider your risk tolerance before investing in Fund B.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A has a lower expense ratio of 0.12% compared to Fund B's 0.52%. Haan, Fund A is more cost-effective, making it a better option for investors looking to minimize costs.
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