HDFC Balanced Advantage Fund vs Axis ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
11.66%
Dekho, humne do alag-alag categories ke funds ki comparison ki hai - HDFC Balanced Advantage Fund (Hybrid) aur Axis ELSS Tax Saver Fund (ELSS). Chaliye, aage badhte hain aur dekhte hain ki kaunsa fund long-term wealth creation ke liye behtar hai, aur kyu.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BAxis ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Axis Mutual Fund |
| Category | Hybrid | ELSS |
| NAV (₹) | 551.96 | 104.77 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.16 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.66% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.4 |
| Sharpe Ratio | 0.93 | 0.39 |
| 1 Year Return (%) | -1.45% | -2.52% |
| 3 Year Return (%) | 14.5% | 11.66% |
| 5 Year Return (%) | 15.05% | 8.43% |
| Since Launch (%) | 13.14% | 15.62% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Ashish Naik; Shreyash Devalkar (2.8 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 500 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | ICICI Bank Ltd. (7.04%), HDFC Bank Ltd. (5.64%), Bharti Airtel Ltd. (4.32%) |
| 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: 97.56% |
| Portfolio Turnover | 27% | 14% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Balanced Advantage Fund 3Y return (14.5%) aur expense ratio (0.75%) ke mamle me behtar hai. Lekin, risk bhi moderately high hai, jo Axis ELSS Tax Saver Fund se kam hai, jo very high risk ka fund hai. Isliye, hum HDFC Balanced Advantage Fund ko long-term wealth creation ke liye behtar maante hain.
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 Axis ELSS Tax Saver Fund?
- Expense ratio: 1.66%
- 3Y return: 11.66%
- AUM: 3.16 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
Chaliye, dekhte hain ki kaunsa fund monthly SIP ke liye behtar hai. HDFC Balanced Advantage Fund ki consistency aur return stability Axis ELSS Tax Saver Fund se behtar hai, isliye yeh fund 10+ years ke liye monthly SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Sach ye hai ki Axis ELSS Tax Saver Fund ka riskometer very high hai, volatility 13.4 hai, aur Sharpe ratio 0.39 hai. Dusri aur, HDFC Balanced Advantage Fund ka riskometer moderately high hai, volatility 8.58 hai, aur Sharpe ratio 0.93 hai. Isliye, HDFC Balanced Advantage Fund behtar risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Dekho, HDFC Balanced Advantage Fund ki asset allocation me equity (69.75%), GOI Sec (7.48%), aur debenture (6.09%) shamil hain. Dusri aur, Axis ELSS Tax Saver Fund ki asset allocation me 97.56% equity hai. Isliye, HDFC Balanced Advantage Fund ki portfolio diversification behtar hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Axis ELSS Tax Saver Fund
₹1138461.04
@11.7% 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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo Axis ELSS Tax Saver Fund ke 8.43% se behtar hai.
Q2: Is the higher risk fund worth it?
Nahi, Axis ELSS Tax Saver Fund ka volatility 13.4 hai, aur Sharpe ratio 0.39 hai, jo HDFC Balanced Advantage Fund se kam hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo Axis ELSS Tax Saver Fund ke 1.66% se kam 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