HDFC Balanced Advantage Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
16.22%
dekho, humne do funds ka comparison kiya hai - HDFC Balanced Advantage Fund aur HDFC ELSS Tax Saver Fund. Dono funds alag categories mein aate hain, ek Hybrid aur doosra ELSS. Is article mein hum aapko bataayenge ki kaunsa fund long-term wealth creation ke liye behtar hai aur kaunsa fund aapke investment goals ke liye suitable hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Hybrid | ELSS |
| NAV (₹) | 551.96 | 1325.00 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.24% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.3 |
| Sharpe Ratio | 0.93 | 0.73 |
| 1 Year Return (%) | -1.45% | -5.24% |
| 3 Year Return (%) | 14.5% | 16.22% |
| 5 Year Return (%) | 15.05% | 16.62% |
| Since Launch (%) | 13.14% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 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%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| 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: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 27% | 32% |
🤖 AI Verdict – Which is Better?
chaliye, 3Y return, expense ratio, aur risk ko dekhein to HDFC Balanced Advantage Fund thoda behtar lagta hai. Iska 3Y return 14.5% hai, jo HDFC ELSS Tax Saver Fund se kam risk ke saath behtar hai. Haan, expense ratio bhi thoda kam hai, jo 0.75% 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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
lekkin, agar aap monthly SIP ke liye soch rahe hain to HDFC Balanced Advantage Fund behtar option lagta hai. Iska consistency aur return stability thoda behtar hai, jo long-term investment ke liye zaroori hai.
⚠️ Risk & Cost Analysis
sach ye hai ki HDFC ELSS Tax Saver Fund ka riskometer Very High hai, jo thoda chintajanak hai. Volatility bhi 13.3 hai, jo HDFC Balanced Advantage Fund se zyada hai. Sharpe ratio bhi thoda kam hai, jo 0.73 hai. Isliye, HDFC Balanced Advantage Fund behtar risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, jismein equity, debt, aur other assets shamil hain. Top holdings bhi thoda diversified hain, jismein ICICI Bank, HDFC Bank, aur Reliance Industries shamil hain. HDFC ELSS Tax Saver Fund ka asset allocation thoda concentrated hai, jismein 96.57% equity hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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 ELSS Tax Saver Fund ka 5Y return 16.62% hai, jo HDFC Balanced Advantage Fund se thoda behtar hai.
Q2: Is the higher risk fund worth it?
nahi, HDFC ELSS Tax Saver Fund ka higher risk thoda chintajanak hai, aur volatility bhi zyada hai. Sharpe ratio bhi thoda kam hai, jo risk-adjusted returns ke liye zaroori hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo HDFC ELSS Tax Saver Fund se kam hai. Exit load ki koi information 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