SBI Liquid Fund vs ICICI Prudential Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
15.42%
Dekho, aap dono fundon ki comparison hai. Fund A hai SBI Liquid Fund, aur Fund B hai ICICI Prudential Small Cap Fund. Aaj hum aapko batayenge ki Fund A or Fund B mein kya antar hai, aur kis fund ki aapko invest karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BICICI Prudential Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Liquid | Small Cap |
| NAV (₹) | 4351.16 | 96.92 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.27 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.82% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 17.48 |
| Sharpe Ratio | 3.25 | 0.51 |
| 1 Year Return (%) | 6.15% | 1.68% |
| 3 Year Return (%) | 6.89% | 15.42% |
| 5 Year Return (%) | 6.09% | 17.22% |
| Since Launch (%) | 6.79% | 16.62% |
| 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) | Harsh Upadhyaya; Sharmila D'Silva (4.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 260% | 21% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B dono fundon ki comparison hai. Lekin, agar aap long-term wealth creation ka soch rahe hain, to Fund A hi accha hai. Fund A ka 3Y return 6.89% hai, jo Fund B se alag hai. Expense ratio bhi Fund A mehenga hai, lekin riskometer Low hai, jis se aapko aur accha return mil sakta hai. To, Fund A hi 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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 15.42%
- AUM: 2.27 Lac Cr
- Sharpe Ratio: 0.51
📈 SIP Suitability
SIP karna aapko 10+ saal ke liye hai. To, Fund A hi accha hai. Fund A ka consistency aur return stability thoda zyada hai. SIP karenge to Fund A ka return aapko accha mil sakta hai.
⚠️ Risk & Cost Analysis
Volatility aur Sharpe ratio ka comparison karne par pata chalta hai ki Fund A riskometer low hai, aur volatility 0.12 hai. Sharpe ratio bhi Fund A mehenga hai, lekin expense ratio fund A mehenga hai. To, Fund A hi accha hai risk-adjusted return ke liye.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karne par pata chalta hai ki Fund A mehenge asset allocation hai. T-Bills 65% hai, aur CD 20% hai. Fund B mehenge concentration hai. Equity 91% hai, aur Cash & Equivalents 9% hai. To, Fund A hi accha hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
ICICI Prudential Small Cap Fund
₹1429907.82
@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 A ka 5Y return 6.09% hai, aur Fund B ka 5Y return 17.22% hai. To, Fund B better returns deta hai long run mein.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 17.48 hai, jis se risk hai. Sharpe ratio bhi Fund B mehenga hai. To, Fund B higher risk fund hai, lekin worth nahi hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.12% hai, aur Fund B ka expense ratio 0.82% hai. To, 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