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 compare kiye hain - HDFC Balanced Advantage Fund aur Franklin Templeton Flexi Cap Fund. Ye dono alag categories mein aate hain, ek Hybrid hai aur doosra Flexi Cap. Chaliye, hum 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, humne dono funds ko compare kiya aur dekha ki HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Franklin Templeton Flexi Cap Fund se thoda better hai. Expense ratio bhi thoda kam hai, 0.75% vs 0.96%. Risk bhi moderately high hai, jo very high se better 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 Franklin Templeton Flexi Cap Fund?
- Expense ratio: 0.96%
- 3Y return: 14.63%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.57
📈 SIP Suitability
Lekin, agar aap monthly SIP ke liye soch rahe hain, to dono funds ko compare karna zaruri hai. Dekho, HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, jo SIP ke liye better hai. Chaliye, hum kehte hain ki HDFC Balanced Advantage Fund SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Sach ye hai ki riskometer, volatility, aur Sharpe ratio ko compare karna zaruri hai. Dekho, Franklin Templeton Flexi Cap Fund ka riskometer very high hai, aur volatility 14.27 hai, jo HDFC Balanced Advantage Fund se zyada hai. Sharpe ratio bhi kam hai, 0.57 vs 0.93. Isliye, hum kehte hain ki HDFC Balanced Advantage Fund risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
Chaliye, hum dekhte hain ki kaunsa fund more diversified hai. Dekho, HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, 69.75% equity, 7.48% GOI Sec, aur 6.09% debenture. Top holdings bhi thoda diversified hain, ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. Isliye, hum kehte hain ki HDFC Balanced Advantage Fund more 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, jo Franklin Templeton Flexi Cap Fund se better hai.
Q2: Is the higher risk fund worth it?
Nahin, hum kehte hain ki higher risk fund worth nahi hai, kyunki volatility 14.27 hai aur Sharpe ratio 0.57 hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo Franklin Templeton Flexi Cap Fund 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