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, aapke paas do fund options hain - HDFC Balanced Advantage Fund aur Groww Mutual Fund Multi Cap Fund, jo ki alag categories mein aate hain. yeh dono funds apne-apne tarah se achhe hain, lekin aapko pata hona chahiye ki kaunsa fund aapke long-term wealth creation ke liye behtar hai. is article mein hum in dono funds ko compare karenge.
| 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?
haan, agar aap long-term wealth creation ke liye fund search kar rahe hain, to HDFC Balanced Advantage Fund behtar option hai. iska 3Y return 14.5% hai, jo ki Groww Mutual Fund Multi Cap Fund se zyada hai, aur expense ratio bhi kam hai, jo ki 0.75% hai. risk bhi moderately high hai, jo ki very high se kam 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, agar aap monthly SIP ke liye fund search kar rahe hain, to HDFC Balanced Advantage Fund behtar option hai. iska consistency aur return stability zyada hai, jo ki long-term ke liye achha hai. Groww Mutual Fund Multi Cap Fund ka 1Y return 5.23% hai, lekin volatility zyada hai.
⚠️ Risk & Cost Analysis
sach ye hai, risk aur cost analysis ke liye HDFC Balanced Advantage Fund behtar hai. iska riskometer moderately high hai, volatility 8.58 hai, aur Sharpe ratio 0.93 hai. expense ratio bhi kam hai, jo ki 0.75% hai. Groww Mutual Fund Multi Cap Fund ka riskometer very high hai, volatility 12.95 hai, aur Sharpe ratio 1.11 hai.
📊 Portfolio Diversification
dekho, asset allocation aur top holdings concentration ke liye HDFC Balanced Advantage Fund behtar hai. iska asset allocation diversified hai, aur top holdings concentration kam hai. Groww Mutual Fund Multi Cap Fund ka asset allocation zyada equity-based hai, jo ki sector risk ko badhata 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, jo ki Groww Mutual Fund Multi Cap Fund se zyada hai.
Q2: Is the higher risk fund worth it?
nahi, higher risk fund worth nahi hai, kyunki volatility zyada hai aur Sharpe ratio bhi zyada hai, lekin returns bhi zyada hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki Groww Mutual Fund Multi Cap Fund se kam hai, jiska expense ratio 1.68% 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