HDFC Balanced Advantage Fund vs DSP 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, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur DSP Mutual Fund Large Cap Fund. Dono ki category alag hai, ek hybrid hai aur doosra large cap. Aage chaliye, hum dekhenge ki kaunsa fund long-term wealth creation ke liye better hai, aur kyon.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BDSP Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | DSP Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 497.22 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.82 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 11.97 |
| Sharpe Ratio | 0.93 | 0.69 |
| 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) | Atul Bhole (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% | 23% |
🤖 AI Verdict – Which is Better?
haan, humne dono funds ki comparison ki hai, aur sach ye hai ki HDFC Balanced Advantage Fund 3Y return mein thoda better hai, aur expense ratio bhi thoda zyada hai lekin riskometer moderately high hai. Lekin overall, HDFC Balanced Advantage Fund long-term wealth creation ke liye better lagta 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 DSP Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.82 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
chaliye, SIP ke liye dekhte hain, to HDFC Balanced Advantage Fund ka consistency aur return stability thoda better hai, kyunki iska volatility kam hai. Isliye, yeh fund 10+ years ke liye SIP ke liye better option lagta hai.
⚠️ Risk & Cost Analysis
dekho, riskometer aur volatility ki baat karte hain, to DSP Mutual Fund Large Cap Fund ka riskometer very high hai, aur volatility bhi zyada hai. Lekin, HDFC Balanced Advantage Fund ka Sharpe ratio better hai, jo risk-adjusted returns ko darshata hai. Isliye, HDFC Balanced Advantage Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
chaliye, asset allocation ki baat karte hain, to HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, kyunki isme equity ke alawa bhi kai assets hain. Lekin, DSP Mutual Fund Large Cap Fund ka top holdings concentration zyada hai, jo sector risk ko badhata hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
DSP 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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo DSP Mutual Fund Large Cap Fund ke 12.03% se better hai.
Q2: Is the higher risk fund worth it?
nahi, DSP Mutual Fund Large Cap Fund ka volatility 11.97 hai, jo HDFC Balanced Advantage Fund ke 8.58 se zyada hai, aur Sharpe ratio bhi kam hai.
Q3: Which fund is more cost‑effective?
DSP Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jo HDFC Balanced Advantage Fund ke 0.75% 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