HDFC Balanced Advantage Fund vs Franklin Templeton Flexi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
14.63%
dekho, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur Franklin Templeton Flexi Cap Fund. Dono funds alag categories mein aate hain, ek Hybrid aur doosra Flexi Cap. chaliye, aage badhte hain aur dekhte hain ki kaunsa fund long-term wealth creation ke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BFranklin Templeton Flexi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Franklin Templeton |
| Category | Hybrid | Flexi Cap |
| NAV (₹) | 551.96 | 110.79 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.96% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 14.27 |
| Sharpe Ratio | 0.93 | 0.57 |
| 1 Year Return (%) | -1.45% | -2.38% |
| 3 Year Return (%) | 14.5% | 14.63% |
| 5 Year Return (%) | 15.05% | 12.31% |
| Since Launch (%) | 13.14% | 14.46% |
| 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) | Anand Radhakrishnan (3.5 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%) | HDFC Bank Ltd. (8.2%), ICICI Bank Ltd. (6.9%), Infosys Ltd. (5.5%) |
| 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: 95.00% | T-Bills: 5.00% |
| Portfolio Turnover | 27% | 48% |
🤖 AI Verdict – Which is Better?
haan, HDFC Balanced Advantage Fund 3Y return mein 14.5% aur expense ratio 0.75% ke sath better lagta hai. lekin, Franklin Templeton Flexi Cap Fund ka riskometer Very High hai, jo thoda chinta ka vishay hai. sach ye hai, HDFC Balanced Advantage Fund long-term wealth creation ke liye better option 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 Franklin Templeton Flexi Cap Fund?
- Expense ratio: 0.96%
- 3Y return: 14.63%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.57
📈 SIP Suitability
chaliye, SIP ke liye dekhte hain. HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo thoda stable lagta hai. Franklin Templeton Flexi Cap Fund ka 3Y return 14.63% hai, lekin uska riskometer Very High hai. dekho, HDFC Balanced Advantage Fund SIP ke liye better option lagta hai.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se, HDFC Balanced Advantage Fund ka risk Moderately High hai, jabki Franklin Templeton Flexi Cap Fund ka risk Very High hai. volatility aur Sharpe ratio ke hisab se bhi, HDFC Balanced Advantage Fund better risk-adjusted returns offer karta hai. expense ratio ke hisab se bhi, HDFC Balanced Advantage Fund 0.75% ke sath better hai.
📊 Portfolio Diversification
haan, portfolio diversification ke hisab se, HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, jabki Franklin Templeton Flexi Cap Fund ka asset allocation 95% equity mein hai. top holdings ke hisab se bhi, HDFC Balanced Advantage Fund ka concentration thoda kam hai. sach ye hai, HDFC Balanced Advantage Fund ka portfolio thoda diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Franklin Templeton Flexi Cap Fund
₹1361937.60
@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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jabki Franklin Templeton Flexi Cap Fund ka 5Y return 12.31% hai. isliye, HDFC Balanced Advantage Fund long-term returns ke liye better hai.
Q2: Is the higher risk fund worth it?
Franklin Templeton Flexi Cap Fund ka riskometer Very High hai, aur uska Sharpe ratio 0.57 hai. HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo better risk-adjusted returns offer karta hai. isliye, higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jabki Franklin Templeton Flexi Cap Fund ka expense ratio 0.96% hai. isliye, HDFC Balanced Advantage 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