HDFC Balanced Advantage Fund vs Franklin Templeton 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 Franklin Templeton Large Cap Fund. Dono funds alag categories mein aate hain, ek hybrid hai aur doosra large cap. Chaliye, hum is article mein ye jaanenge ki kaunsa fund long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BFranklin Templeton Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Franklin Templeton |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 497.22 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.11 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 12.76 |
| Sharpe Ratio | 0.93 | 0.64 |
| 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) | Anand Radhakrishnan (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% | 31% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return, expense ratio, aur risk ke basis par dekha jaye to HDFC Balanced Advantage Fund behtar hai. Iska 3Y return 14.5% hai, jo Franklin Templeton Large Cap Fund se zyada hai. Aur expense ratio bhi kam hai, jo 0.75% hai. Lekin, risk bhi moderately high hai, jo 8.58 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 Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.11 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
SIP ke liye, humne dekha ki HDFC Balanced Advantage Fund behtar hai. Iska return stability aur consistency zyada hai, jo long-term SIP ke liye zaroori hai. Chaliye, agar aap 10+ years ke liye SIP karna chahte hain, to HDFC Balanced Advantage Fund behtar option hai.
⚠️ Risk & Cost Analysis
Risk aur cost analysis par dekha jaye to HDFC Balanced Advantage Fund behtar hai. Iska riskometer moderately high hai, lekin Sharpe ratio 0.93 hai, jo Franklin Templeton Large Cap Fund se zyada hai. Aur expense ratio bhi kam hai, jo 0.75% hai. Sach ye hai, ki HDFC Balanced Advantage Fund behtar risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Portfolio diversification par dekha jaye to HDFC Balanced Advantage Fund behtar hai. Iska asset allocation zyada diversified hai, jismein equity, GOI sec, debenture, NCD, aur debt shamil hain. Top holdings concentration bhi kam hai, jo sector risk ko kam karta hai. Franklin Templeton Large Cap Fund ka asset allocation zyada concentrated hai, jismein sirf equity aur T-bills hain.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Franklin Templeton 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 Franklin Templeton Large Cap Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Nahin, Franklin Templeton Large Cap Fund ka volatility 12.76 hai, jo HDFC Balanced Advantage Fund se zyada hai. Aur Sharpe ratio bhi kam hai, jo 0.64 hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo Franklin Templeton Large Cap Fund se zyada hai. Lekin, exit load ki information 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