HDFC Balanced Advantage Fund vs Bandhan Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
14.7%
Dekho, Fund A HDFC Balanced Advantage Fund aur Fund B Bandhan Mutual Fund Large Cap Fund, dono alag categories mein aate hain. Fund A hybrid category mein hai, jabki Fund B large cap category mein hai. Chaliye, hum in dono funds ki tulna karte hain aur dekhte hain kaunsa fund long-term wealth creation ke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BBandhan Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Bandhan Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 497.22 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.04 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 12.11 |
| Sharpe Ratio | 0.93 | 0.68 |
| 1 Year Return (%) | -1.45% | -4.02% |
| 3 Year Return (%) | 14.5% | 14.7% |
| 5 Year Return (%) | 15.05% | 12.03% |
| Since Launch (%) | 13.14% | 11.65% |
| 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) | Manish Gunwani (3.5 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 50 |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 27% | 24% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return, expense ratio, aur risk ko dekhte hue, Fund A HDFC Balanced Advantage Fund better hai. Iska 3Y return 14.5% hai, jo Fund B ke 14.7% ke bareaber hai, lekin Fund A ka expense ratio 0.75% hai, jo Fund B ke 0.52% se zyada hai. Lekin, Fund A ka riskometer moderately high hai, jabki Fund B ka very high 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 Bandhan Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.04 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
Dekho, dono funds ke returns consistency aur stability ko dekha jaye to, Fund A HDFC Balanced Advantage Fund better hai. Iska 3Y return 14.5% hai aur 5Y return 15.05% hai, jo relatively stable hai. Chaliye, SIP ke liye Fund A better option hai.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund A HDFC Balanced Advantage Fund ka riskometer moderately high hai, jabki Fund B ka very high hai. Lekin, Fund A ka Sharpe ratio 0.93 hai, jo Fund B ke 0.68 se better hai. Iska matlab hai ki Fund A better risk-adjusted returns deta hai. Aur, Fund B ka expense ratio 0.52% hai, jo Fund A ke 0.75% se kam hai.
📊 Portfolio Diversification
Dekho, Fund A HDFC Balanced Advantage Fund ka asset allocation relatively diversified hai. Ismein equity 69.75%, GOI Sec 7.48%, debenture 6.09% aur anya assets hain. Jabki Fund B ka asset allocation 96% equity hai, jo relatively concentrated hai. Chaliye, Fund A ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Bandhan Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jabki Fund B ka 5Y return 12.03% hai. Isliye, Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Nahi, Fund B ka volatility 12.11 hai, jo Fund A ke 8.58 se zyada hai. Aur, Fund B ka Sharpe ratio 0.68 hai, jo Fund A ke 0.93 se kam hai. Isliye, higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
Fund B ka expense ratio 0.52% hai, jo Fund A ke 0.75% se kam hai. Lekin, exit load ki information nahi hai. Isliye, Fund B 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