SBI Liquid Fund vs ICICI Prudential Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
20.43%
Today, we're comparing two different types of mutual funds - Fund A, an Liquid fund, and Fund B, a Multi Cap fund. Dekho, in this article, we'll evaluate which fund is better suited for long-term wealth creation based on their 3Y returns, expense ratio, and riskometer. Chaliye, let's dive in and see which fund comes out on top.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BICICI Prudential Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 934.98 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.70 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.74% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.2 |
| Sharpe Ratio | 3.25 | 1.06 |
| 1 Year Return (%) | 6.15% | 6.9% |
| 3 Year Return (%) | 6.89% | 20.43% |
| 5 Year Return (%) | 6.09% | 17.37% |
| Since Launch (%) | 6.79% | 16.31% |
| 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) | Lalit Kumar; Sharmila D'Silva (3.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | BSE Ltd. (3.31%), Ultratech Cement Ltd. (2.85%), Jindal Steel Ltd. (2.73%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.97% |
| Portfolio Turnover | 260% | 45% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B ka 3Y return 20.43% hai, jo bahut hi accha hai. Lekin expense ratio 1.74% hai, jo bahut zyada hai. Riskometer bhi Very High hai. Fund A ka 3Y return 6.89% hai, jo kam hai lekin expense ratio 0.12% hai, jo bahut kam hai. Riskometer bhi Low hai. Haan, Fund A kafi accha hai, lekin agar aap long-term wealth creation ke liye investment karna chahte hain, to Fund B ka riskometer bahut hi risk hai. Chaliye, Fund A ka riskometer Low hai, isliye yeh Fund A kafi accha 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 Multi Cap Fund?
- Expense ratio: 1.74%
- 3Y return: 20.43%
- AUM: 1.70 Lac Cr
- Sharpe Ratio: 1.06
📈 SIP Suitability
Haan, agar aap monthly SIP ke liye investment karna chahte hain, to Fund A kafi accha hai. Fund A ka 1Y return 6.15% hai, jo kam hai, lekin 3Y return 6.89% hai, jo bahut accha hai. Fund B ka 1Y return 6.9% hai, jo kam hai, lekin 3Y return 20.43% hai, jo bahut hi accha hai. Lekin Fund B ka expense ratio 1.74% hai, jo bahut zyada hai. Chaliye, Fund A ka expense ratio 0.12% hai, isliye yeh Fund A kafi accha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sabhi ka comparison karna hoga. Fund A ka riskometer Low hai, volatility 0.12 hai, Sharpe ratio 3.25 hai, expense ratio 0.12% hai. Fund B ka riskometer Very High hai, volatility 13.2 hai, Sharpe ratio 1.06 hai, expense ratio 1.74% hai. Haan, Fund A ka riskometer Low hai, isliye yeh Fund A kafi accha hai. Lekin Fund B ka Sharpe ratio kam hai, isliye yeh Fund B kafi zyada risk hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karna hoga. Fund A ka asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00%, Cash 5.00% hai. Fund B ka asset allocation Equity 97.97% hai. Haan, Fund A ka asset allocation kafi accha hai, isliye yeh Fund A kafi accha hai. Lekin Fund B ka asset allocation Equity mein bahut zyada hai, isliye yeh Fund B kafi zyada sector risk hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
ICICI Prudential Multi Cap Fund
₹1966010.45
@20.4% 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?
According to 5Y returns, Fund A gives better returns with 6.09% returns, while Fund B gives 17.37% returns. However, considering 3Y returns, Fund B gives 20.43% returns, which is higher than Fund A's 6.89% returns.
Q2: Is the higher risk fund worth it?
Lekin, considering volatility and Sharpe ratio, Fund B's higher risk may not be worth it. Its high volatility of 13.2 and low Sharpe ratio of 1.06 make it a less attractive choice for risk-averse investors.
Q3: Which fund is more cost-effective?
Haan, Fund A is more cost-effective with an expense ratio of 0.12%, while Fund B's expense ratio is 1.74%. This makes Fund A a better choice for investors seeking lower 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