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, aapke paas do fund options hai, HDFC Balanced Advantage Fund aur Axis ELSS Tax Saver Fund, jo alag categories mein aate hain. yaha hum in dono funds ki tulna karenge, unke returns, risk, aur expenses ko compare karenge, taaki aapko pata chale ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| 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 mein 14.5% ka return dekar behtar lagta hai, aur iska expense ratio bhi kam hai, jo 0.75% hai, lekin risk bhi moderately high hai. isliye, hum is 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, SIP ke liye dekhte hain, to HDFC Balanced Advantage Fund ka consistency aur return stability behtar lagta hai, kyunki iska 3Y return 14.5% hai, jo Axis ELSS Tax Saver Fund se zyada hai.
⚠️ Risk & Cost Analysis
sach ye hai, Axis ELSS Tax Saver Fund ka riskometer very high hai, aur volatility bhi 13.4 hai, jo HDFC Balanced Advantage Fund se zyada hai, lekin Sharpe ratio mein HDFC Balanced Advantage Fund behtar hai, jo 0.93 hai. isliye, risk-adjusted returns ke liye HDFC Balanced Advantage Fund behtar lagta hai.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation diversified hai, kyunki ismein equity ke alawa bhi kai assets hain, jaise ki GOI Sec, Debenture, NCD, aur REITs, lekin Axis ELSS Tax Saver Fund ka asset allocation zyada equity mein concentrated hai, jo 97.56% 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 5Y return mein 15.05% ka return dekar behtar lagta hai.
Q2: Is the higher risk fund worth it?
nahi, Axis ELSS Tax Saver Fund ka higher risk Sharpe ratio ke hisab se justify nahi hota, kyunki uska 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 se kam hai, isliye yeh fund more 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