HDFC Balanced Advantage Fund vs Groww 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, yahaan hum do mutual fund schemes ki tulna kar rahe hain - HDFC Balanced Advantage Fund aur Groww Mutual Fund Large Cap Fund. Dono funds alag-alag categories mein aate hain, ek Hybrid aur dusra Large Cap. Aage chaliye, hum inki returns, risk, aur expense ratio ki tulna karenge, taaki aapko pata chale ki kaunsa fund aapke long-term wealth creation ke liye behtar hai, haan.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BGroww Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Groww Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 497.22 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.54 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.05 |
| Sharpe Ratio | 0.93 | 0.63 |
| 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) | Sonam Udasi; Amey Sathe (9.2 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% | 33% |
🤖 AI Verdict – Which is Better?
Sach ye hai, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Groww Mutual Fund Large Cap Fund se thoda kam hai. Lekin, HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo Groww Mutual Fund Large Cap Fund ke 0.52% se zyada hai. Risk ke maamle mein, HDFC Balanced Advantage Fund ka riskometer Moderately High hai, jabki Groww Mutual Fund Large Cap Fund ka Very High hai. Isliye, hum kehte hain ki HDFC Balanced Advantage Fund long-term wealth creation ke liye behtar 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 Groww Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.54 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
Chaliye, monthly SIP ke liye dekhte hain. HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo consistent hai. Groww Mutual Fund Large Cap Fund ka 3Y return 14.7% hai, lekin uska volatility zyada hai. Isliye, hum kehte hain ki HDFC Balanced Advantage Fund monthly SIP ke liye behtar hai, kyunki uska return stable hai.
⚠️ Risk & Cost Analysis
Dekho, riskometer ke maamle mein, HDFC Balanced Advantage Fund ka risk Moderately High hai, jabki Groww Mutual Fund Large Cap Fund ka Very High hai. Volatility ke maamle mein, HDFC Balanced Advantage Fund ka 8.58 hai, jabki Groww Mutual Fund Large Cap Fund ka 13.05 hai. Sharpe ratio ke maamle mein, HDFC Balanced Advantage Fund ka 0.93 hai, jabki Groww Mutual Fund Large Cap Fund ka 0.63 hai. Isliye, hum kehte hain ki HDFC Balanced Advantage Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Haan, ab portfolio diversification ki baat karte hain. HDFC Balanced Advantage Fund ka asset allocation diversified hai, jismein equity 69.75% hai, GOI Sec 7.48% hai, aur aur bhi assets hain. Groww Mutual Fund Large Cap Fund ka asset allocation zyada concentrated hai, jismein equity 96% hai. Isliye, hum kehte hain ki HDFC Balanced Advantage Fund ka portfolio zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Groww 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, jabki Groww Mutual Fund Large Cap Fund ka 12.03% hai. Isliye, HDFC Balanced Advantage Fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
Nahi, Groww Mutual Fund Large Cap Fund ka risk zyada hai, lekin uska Sharpe ratio 0.63 hai, jo HDFC Balanced Advantage Fund ke 0.93 se kam hai. Isliye, higher risk worth nahi hai.
Q3: Which fund is more cost‑effective?
Groww Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jabki HDFC Balanced Advantage Fund ka 0.75% hai. Isliye, Groww Mutual Fund Large Cap Fund zyada cost-effective hai, lekin exit load ke baare mein koi jaankari nahi 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