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 ki comparison ki hai - HDFC Balanced Advantage Fund aur HDFC ELSS Tax Saver Fund. Dono funds alag categories mein aate hain, ek hybrid hai aur doosra ELSS. is article mein hum aapko bataayenge ki kaunsa fund long-term wealth creation ke liye behtar 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?
Haan, HDFC Balanced Advantage Fund 3Y return mein 14.5% ka return diya hai, jo HDFC ELSS Tax Saver Fund se zyada hai. iske alawa, iska expense ratio bhi kam hai, jo 0.75% hai. risk ke maamle mein, HDFC Balanced Advantage Fund ka riskometer moderately high hai, jo HDFC ELSS Tax Saver Fund ke very high risk se kam hai. chaliye, 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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
dekho, agar aap 10+ years ke liye monthly SIP karne ki soch rahe hain, to HDFC Balanced Advantage Fund behtar hai. is fund ka 3Y return consistent hai aur return stability bhi achhi hai. lekin, HDFC ELSS Tax Saver Fund ka 1Y return -5.24% hai, jo ki thoda chinta ka vishay hai.
⚠️ Risk & Cost Analysis
sach ye hai ki HDFC ELSS Tax Saver Fund ka riskometer very high hai aur volatility bhi 13.3 hai, jo ki HDFC Balanced Advantage Fund se zyada hai. lekin, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo ki HDFC ELSS Tax Saver Fund ke 0.73 se zyada hai. iske alawa, HDFC Balanced Advantage Fund ka expense ratio bhi kam hai, jo 0.75% hai.
📊 Portfolio Diversification
chaliye, portfolio diversification ke maamle mein, HDFC Balanced Advantage Fund ka asset allocation diversified hai, jismein equity 69.75% hai, GOI Sec 7.48% hai, aur anya assets bhi hain. lekin, HDFC ELSS Tax Saver Fund ka asset allocation zyada equity mein invested hai, jo 96.57% hai. iske alawa, HDFC Balanced Advantage Fund ke top 3 holdings mein ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. hain, jo ki diversified hain.
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?
dekho, HDFC ELSS Tax Saver Fund ka 5Y return 16.62% hai, jo ki HDFC Balanced Advantage Fund ke 15.05% se zyada hai. lekin, 3Y return mein HDFC Balanced Advantage Fund ka return 14.5% hai, jo ki HDFC ELSS Tax Saver Fund ke 16.22% se kam hai.
Q2: Is the higher risk fund worth it?
haan, HDFC ELSS Tax Saver Fund ka riskometer very high hai, aur volatility bhi 13.3 hai, lekin iska Sharpe ratio 0.73 hai, jo ki HDFC Balanced Advantage Fund ke 0.93 se kam hai. isliye, higher risk fund worth it nahi hai.
Q3: Which fund is more cost‑effective?
dekho, HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki HDFC ELSS Tax Saver Fund ke 1.24% se kam 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