SBI Liquid Fund vs ICICI Prudential Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.93%
Chaliye, dekho kya hai SBI Liquid Fund aur ICICI Prudential Liquid Fund ka comparison. Dono funds Liquid category mein hain, lekin humein pata hoga ki kis fund mein long-term wealth creation ki possibilities zyada hai.
SBI Liquid Fund aur ICICI Prudential Liquid Fund ke beech hum comparison karenge, jismein aapko pata chalega ki kis fund me SIP kiya ja sakta hai aur kis fund ki riskometer, volatility, Sharpe ratio, expense ratio aur asset allocation ka analysis hoga.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Liquid | Liquid |
| NAV (₹) | 4351.16 | 411.88 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.25 | 3.58 |
| 1 Year Return (%) | 6.15% | 6.15% |
| 3 Year Return (%) | 6.89% | 6.93% |
| 5 Year Return (%) | 6.09% | 6.11% |
| Since Launch (%) | 6.79% | 6.84% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Nikhil Kabra; Ritesh Lunawat (4.8 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 260% | 241% |
🤖 AI Verdict – Which is Better?
Sach ye hai, dono funds ki 3Y return mein hi toot jaati hai. ICICI Prudential Liquid Fund ki 3Y return 6.93% hai, jabki SBI Liquid Fund ki 3Y return 6.89% hai. Lekin expense ratio aur riskometer ka dhyan rakhte hue, humein pata chala hai ki ICICI Prudential Liquid Fund aapke liye better fund hai.
Isliye, hum aapko ICICI Prudential Liquid Fund ki recommendation karte hain, lekin yeh to aapke investment goals aur risk appetite par nirbhar karta 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP karenge to aapko pata chalega ki kis fund mein consistency aur return stability zyada hai. SBI Liquid Fund ki 1Y return aur 3Y return mein toot nahi hai, lekin ICICI Prudential Liquid Fund ki 1Y return aur 3Y return mein toot jaati hai. Isliye, SBI Liquid Fund aapke liye better SIP fund hai.
Lekin expense ratio aur riskometer ka dhyan rakhte hue, ICICI Prudential Liquid Fund aapke liye better fund hai. To, aapko nirdharit karna hoga ki kis fund mein SIP kiya ja sakta hai.
⚠️ Risk & Cost Analysis
Riskometer ka dhyan rakhte hue, dono funds ki riskometer Low hai. Lekin volatility ka dhyan rakhte hue, SBI Liquid Fund ki volatility 0.12 hai, jabki ICICI Prudential Liquid Fund ki volatility 0.12 hai. Isliye, dono funds mein volatility ka toot nahi hai.
Sharpe ratio ka dhyan rakhte hue, ICICI Prudential Liquid Fund ki Sharpe ratio 3.58 hai, jabki SBI Liquid Fund ki Sharpe ratio 3.25 hai. Isliye, ICICI Prudential Liquid Fund aapke liye better fund hai.
📊 Portfolio Diversification
Asset allocation ka dhyan rakhte hue, dono funds ki asset allocation mein koi toot nahi hai. Lekin top holdings concentration ka dhyan rakhte hue, SBI Liquid Fund ki top 3 holdings mein State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hai. Isliye, SBI Liquid Fund ki top holdings concentration zyada hai.
Isliye, ICICI Prudential Liquid Fund aapke liye better fund hai, kyonki uski asset allocation aur top holdings concentration mein koi toot nahi hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% 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?
ICICI Prudential Liquid Fund ki 5Y return 6.11% hai, jabki SBI Liquid Fund ki 5Y return 6.09% hai. Isliye, ICICI Prudential Liquid Fund aapke liye better fund hai.
Q2: Is the higher risk fund worth it?
Haan, ICICI Prudential Liquid Fund ki volatility aur Sharpe ratio mein toot nahi hai. Isliye, yeh fund aapke liye worth hai.
Q3: Which fund is more cost-effective?
SBI Liquid Fund aur ICICI Prudential Liquid Fund ki expense ratio mein koi toot nahi hai. Isliye, dono funds aapke liye cost-effective hain.
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