HDFC Balanced Advantage Fund vs Angel One Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
12.7%
Dekho, humne do funds compare kiye hain, Fund A HDFC Balanced Advantage Fund aur Fund B Angel One Mutual Fund Multi Cap Fund. Inmein se Fund A Hybrid category mein aata hai, jabki Fund B Multi Cap category mein. Chaliye, hum dekhte hain ki inmein se kaunsa fund aapke liye better hai, aur aapko kya expect karna chahiye.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BAngel One Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Angel One Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 8.38 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.86 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.68% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.4 |
| Sharpe Ratio | 0.93 | 1.52 |
| 1 Year Return (%) | -1.45% | -11.42% |
| 3 Year Return (%) | 14.5% | 12.7% |
| 5 Year Return (%) | 15.05% | 7.44% |
| Since Launch (%) | 13.14% | -11.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 6 November 2024 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Equity: 69.75% | GOI Sec: 7.48% | Debenture: 6.09% | NCD: 3.03% | Debt: 2.73% | SDL: 1.63% | REITs: 1.27% | Bonds/NCD: 0.99% | CD: 0.87% | Bonds/Deb: 0.7% | Sec. Debt: 0.42% | InvITs: 0.28% | FRB: 0.09% | Add. Tier 1 Bond: 0.05% | FD: 0.03% | ZCB: 0.03% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 27% | 32% |
🤖 AI Verdict – Which is Better?
Haan, humne dono funds ka analysis kiya hai, aur pata chala ki Fund A ka 3Y return 14.5% hai, jo Fund B se zyada hai. Expense ratio bhi Fund A mein kam hai, 0.75% ke barabar. Risk bhi moderately high hai, jo very high se kam hai. Isliye, humke khayal se, Fund A long-term wealth creation ke liye better hai.
Why consider HDFC Balanced Advantage Fund?
- Expense ratio: 0.75%
- 3Y return: 14.5%
- AUM: 10.54 Lac Cr
- Sharpe Ratio: 0.93
Why consider Angel One Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 12.7%
- AUM: 1.86 Lac Cr
- Sharpe Ratio: 1.52
📈 SIP Suitability
Dekho, agar aap 10+ years ke liye monthly SIP karna chahte hain, to consistency aur return stability dono zaroori hain. Fund A ka 3Y return aur 5Y return dono stable hain, jabki Fund B ka 1Y return thoda kam hai. Isliye, humke khayal se, Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Sach ye hai ki risk aur cost dono important hain. Fund A ka riskometer moderately high hai, jabki Fund B ka very high. Volatility bhi Fund A mein kam hai, 8.58 ke barabar. Sharpe ratio bhi Fund A mein thoda kam hai, 0.93 ke barabar. Expense ratio bhi Fund A mein kam hai, 0.75% ke barabar. Isliye, humke khayal se, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Dekho, asset allocation aur top holdings concentration dono zaroori hain. Fund A mein equity allocation 69.75% hai, jabki Fund B mein 97% hai. Top holdings mein bhi Fund A mein thoda diversification hai, ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), aur Reliance Industries Ltd. (4.09%). Isliye, humke khayal se, Fund A more diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Angel One Mutual Fund Multi Cap Fund
₹1211348.26
@12.7% 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 15.05% hai, jabki Fund B ka 7.44% hai. Isliye, Fund A better returns deta hai.
Q2: Is the higher risk fund worth it?
Nahi, humke khayal se, higher risk fund, jo Fund B hai, utna worth nahi hai, kyunki uska Sharpe ratio 1.52 hai, jo Fund A se zyada hai, lekin volatility bhi zyada hai, 13.4 ke barabar.
Q3: Which fund is more cost‑effective?
Fund A more cost-effective hai, kyunki uska expense ratio 0.75% hai, jabki Fund B ka 1.68% 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