HDFC Balanced Advantage Fund vs HDFC Flexi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
17.84%
dekho, aapke liye do funds ka comparison kar rahe hain - HDFC Balanced Advantage Fund aur HDFC Flexi Cap Fund. Dono funds alag categories mein aate hain, Hybrid aur Multi Cap. Aage chaliye, aapko pata chalega ki kaunsa fund long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BHDFC Flexi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 1945.71 |
| AUM (₹ Cr) | 10.54 Lac Cr | 10.05 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.67% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 12.97 |
| Sharpe Ratio | 0.93 | 0.87 |
| 1 Year Return (%) | -1.45% | -0.81% |
| 3 Year Return (%) | 14.5% | 17.84% |
| 5 Year Return (%) | 15.05% | 17.6% |
| Since Launch (%) | 13.14% | 14.35% |
| 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) | Roshi Jain; Gopal Agrawal (3.8 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, 3Y return, expense ratio, aur risk ke basis par, HDFC Flexi Cap Fund slightly better lagta hai. Lekin, sach ye hai ki HDFC Balanced Advantage Fund bhi ek stable option hai. Dono funds ke apne pros aur cons hain.
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 Flexi Cap Fund?
- Expense ratio: 0.67%
- 3Y return: 17.84%
- AUM: 10.05 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
dekho, agar aap 10+ years ke liye monthly SIP karne ki soch rahe hain, to HDFC Balanced Advantage Fund slightly better option lagta hai. Isme consistency aur return stability dono achhe hain.
⚠️ Risk & Cost Analysis
chaliye, riskometer, volatility, Sharpe ratio, aur expense ratio compare karte hain. HDFC Balanced Advantage Fund ka riskometer Moderately High hai, jabki HDFC Flexi Cap Fund ka Very High. Lekin, HDFC Flexi Cap Fund ka Sharpe ratio thoda kam hai.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation diversified hai, jabki HDFC Flexi Cap Fund ka zyada equity-based hai. Top holdings concentration bhi HDFC Flexi Cap Fund mein zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
HDFC Flexi Cap Fund
₹1664275.59
@17.8% 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 Flexi Cap Fund ka 5Y return 17.6% hai, jabki HDFC Balanced Advantage Fund ka 15.05%.
Q2: Is the higher risk fund worth it?
HDFC Flexi Cap Fund ka volatility 12.97 hai, jabki Sharpe ratio 0.87. Isse pata chalta hai ki higher risk worth it hai ya nahi.
Q3: Which fund is more cost‑effective?
HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jabki HDFC Balanced Advantage Fund ka 0.75%. Isliye, HDFC Flexi Cap Fund thoda more 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