HDFC Balanced Advantage Fund vs Baroda BNP Paribas Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
14.62%
dekho, humne do funds ki comparison ki hai, ek Hybrid category ka Fund A, HDFC Balanced Advantage Fund, aur doosra Large Cap category ka Fund B, Baroa BNP Paribas Large Cap Fund, chaliye dekhte hai inki details aur kya humein long-term wealth creation ke liye kaunsa fund better hai, haan ismein humein expense ratio, risk, aur returns ki comparison karni hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BBaroda BNP Paribas Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Baroda BNP Paribas |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 251.36 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.15 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.08 |
| Sharpe Ratio | 0.93 | 0.62 |
| 1 Year Return (%) | -1.45% | -0.15% |
| 3 Year Return (%) | 14.5% | 14.62% |
| 5 Year Return (%) | 15.05% | 11.06% |
| Since Launch (%) | 13.14% | 13.34% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 14 March 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Sanjay Chawla (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% | 34% |
🤖 AI Verdict – Which is Better?
haan, long-term wealth creation ke liye humne dekha ki Fund A ka 3Y return 14.5% hai, jo Fund B se thoda accha hai, lekin riskometer moderately high hai, jabki Fund B ka very high risk hai, aur expense ratio mein Fund B ka 0.52% Fund A ke 0.75% se kam hai, sach ye hai ki dono funds ke apne fayde aur nuksan hai, lekin humare hisab se Fund A thoda 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 Baroda BNP Paribas Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.62%
- AUM: 2.15 Lac Cr
- Sharpe Ratio: 0.62
📈 SIP Suitability
chaliye dekhte hai, agar aap monthly SIP kar rahe hain 10+ years ke liye, toh Fund A ka consistency aur return stability thoda accha hai, kyunki iska hybrid category hone ke karan risk bhi moderate hai, aur returns bhi stable hain, haan Fund B ka bhi return accha hai, lekin uska risk very high hai.
⚠️ Risk & Cost Analysis
dekho, riskometer mein Fund A ka moderately high risk hai, jabki Fund B ka very high risk hai, aur volatility mein bhi Fund B ka 13.08 Fund A ke 8.58 se zyada hai, lekin Sharpe ratio mein Fund A ka 0.93 Fund B ke 0.62 se accha hai, aur expense ratio mein bhi Fund B ka 0.52% Fund A ke 0.75% se kam hai, sach ye hai ki dono funds ke apne fayde aur nuksan hai.
📊 Portfolio Diversification
haan, asset allocation mein Fund A ka equity allocation 69.75% hai, aur GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur bonds bhi hain, jabki Fund B ka equity allocation 96% hai, aur sirf T-Bills 4% hai, isliye Fund A ka portfolio thoda zyada diversified hai, lekin top holdings mein dono funds ke top 3 holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hain, jo ki sector risk ko badhata hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Baroda BNP Paribas Large Cap Fund
₹1361101.96
@14.6% 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?
haan, 5Y return mein Fund A ka 15.05% return hai, jo Fund B ke 11.06% se zyada hai, aur 3Y return mein bhi Fund A ka 14.5% return hai, jo Fund B ke 14.62% se thoda kam hai, lekin overall Fund A ka return thoda accha hai.
Q2: Is the higher risk fund worth it?
sach ye hai ki higher risk fund, Fund B, ka volatility 13.08 hai, jo Fund A ke 8.58 se zyada hai, lekin Sharpe ratio mein Fund A ka 0.93 Fund B ke 0.62 se accha hai, isliye hum kehte hain ki higher risk fund worth nahi hai, kyunki risk-adjusted returns mein Fund A thoda accha hai.
Q3: Which fund is more cost‑effective?
dekho, expense ratio mein Fund B ka 0.52% Fund A ke 0.75% se kam hai, isliye Fund B thoda zyada cost-effective hai, lekin exit load ki information N/A hai, isliye hum sirf expense ratio ki comparison kar sakte hain.
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