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. yeh dono funds alag categories mein aate hain, ek hybrid hai aur doosra large cap. chaliye, hum yeh jaannte hain ki inmein se kaunsa fund long-term wealth creation ke liye better hai.
| 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?
sach ye hai ki HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo DSP Mutual Fund Large Cap Fund se thoda accha hai. haan, DSP ka expense ratio thoda kam hai, lekin HDFC ka riskometer moderately high hai, jo DSP se kam hai. isliye, hum kehte hain ki HDFC Balanced Advantage Fund long-term wealth creation ke liye 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 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
dekho, agar aap monthly SIP ke liye fund dhundh rahe hain, to HDFC Balanced Advantage Fund better hai. iska 3Y return aur consistency thoda accha hai, jo long-term SIP ke liye zaroori hai. chaliye, aap is fund mein apna paise daal sakte hain.
⚠️ Risk & Cost Analysis
chaliye, risk aur cost ki comparison karte hain. HDFC Balanced Advantage Fund ka riskometer moderately high hai, jabki DSP Mutual Fund Large Cap Fund ka very high hai. haan, DSP ka volatility bhi zyada hai, lekin HDFC ka Sharpe ratio thoda accha hai. isliye, hum kehte hain ki HDFC Balanced Advantage Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
dekho, asset allocation ki baat karte hain. HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, kyunki ismein equity, debt, aur other securities hain. DSP Mutual Fund Large Cap Fund ka asset allocation thoda concentrated hai, kyunki ismein sirf equity aur T-Bills hain. haan, HDFC ka top holdings concentration bhi thoda kam 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 se thoda accha 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 se zyada hai, lekin Sharpe ratio thoda 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 se kam hai, lekin exit load N/A 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