HDFC Balanced Advantage Fund vs Groww Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
20.86%
dekho, aapko do funds ke baare mein compare karna hai, ek Hybrid category ka HDFC Balanced Advantage Fund aur doosra Multi Cap category ka Groww Mutual Fund Multi Cap Fund, chaliye aapko bataate hain inke returns, risk aur expense ratio ke baare mein, haan isse aapko pata chalega kaunsa fund aapke long-term wealth creation ke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BGroww Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Groww Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 19.01 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.84 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.68% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 12.95 |
| Sharpe Ratio | 0.93 | 1.11 |
| 1 Year Return (%) | -1.45% | 5.23% |
| 3 Year Return (%) | 14.5% | 20.86% |
| 5 Year Return (%) | 15.05% | 0.27% |
| Since Launch (%) | 13.14% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 27% | 26% |
🤖 AI Verdict – Which is Better?
lekin, agar hum 3Y return, expense ratio aur risk ko dekhein, to HDFC Balanced Advantage Fund thoda better lagta hai, kyunki uska 3Y return 14.5% hai, expense ratio 0.75% hai, aur riskometer moderately high hai, sach ye hai ki Groww Mutual Fund Multi Cap Fund ka 3Y return 20.86% hai, lekin uska expense ratio 1.68% hai aur riskometer very high 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.84 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
chaliye, SIP ke liye dekhein, to HDFC Balanced Advantage Fund thoda better lagta hai, kyunki uska return stability aur consistency thodi acchi hai, haan Groww Mutual Fund Multi Cap Fund ka return bhi accha hai, lekin uska volatility thoda zyada hai, isliye agar aap 10+ years ke liye SIP karna chahte hain, to HDFC Balanced Advantage Fund better option hai.
⚠️ Risk & Cost Analysis
dekho, risk aur cost analysis ke liye, to HDFC Balanced Advantage Fund ka riskometer moderately high hai, volatility 8.58 hai, aur Sharpe ratio 0.93 hai, jo ki Groww Mutual Fund Multi Cap Fund se thoda better hai, kyunki uska riskometer very high hai, volatility 12.95 hai, aur Sharpe ratio 1.11 hai, lekin expense ratio ke maamle mein HDFC Balanced Advantage Fund ka 0.75% expense ratio Groww Mutual Fund Multi Cap Fund ke 1.68% se thoda kam hai.
📊 Portfolio Diversification
haan, portfolio diversification ke liye, to HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, kyunki usmein equity 69.75% hai, GOI Sec 7.48% hai, aur debenture 6.09% hai, lekin Groww Mutual Fund Multi Cap Fund ka asset allocation thoda concentrated hai, kyunki usmein equity 97% hai, aur T-Bills 3% hai, isliye HDFC Balanced Advantage Fund ka portfolio thoda zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Groww Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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, aur Groww Mutual Fund Multi Cap Fund ka 5Y return 0.27% hai, isliye HDFC Balanced Advantage Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Groww Mutual Fund Multi Cap Fund ka volatility 12.95 hai, aur Sharpe ratio 1.11 hai, jo ki HDFC Balanced Advantage Fund se zyada hai, lekin uska return bhi zyada hai, isliye ye depend karta hai ki aapka risk appetite kya hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, aur Groww Mutual Fund Multi Cap Fund ka expense ratio 1.68% hai, isliye HDFC Balanced Advantage Fund zyada 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