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, humne do funds ki comparison ki hai, ek Hybrid category ka HDFC Balanced Advantage Fund aur dusra Multi Cap category ka HDFC Flexi Cap Fund. Chaliye, hum dekhte hai ki kaunsa fund long-term wealth creation ke liye behtar hai, aur kyon. Haan, isme hum returns, risk, aur expense ratio ko bhi dekhege.
| 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?
Sach ye hai ki HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo HDFC Balanced Advantage Fund se zyada hai. Lekin, riskometer Very High hai, aur expense ratio 0.67% hai. Haan, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, aur riskometer Moderately High hai, aur expense ratio 0.75% hai. Isliye, hum kehte hai ki HDFC Flexi Cap 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 Flexi Cap Fund?
- Expense ratio: 0.67%
- 3Y return: 17.84%
- AUM: 10.05 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
Dekho, HDFC Balanced Advantage Fund ka consistency aur return stability zyada hai, isliye yeh monthly SIP ke liye behtar hai. Chaliye, hum isme nivesh karein, kyunki yeh 10+ years ke liye suitable hai. Haan, HDFC Flexi Cap Fund ka return zyada hai, lekin risk bhi zyada hai.
⚠️ Risk & Cost Analysis
Sach ye hai ki HDFC Flexi Cap Fund ka riskometer Very High hai, aur volatility 12.97 hai. Lekin, HDFC Balanced Advantage Fund ka riskometer Moderately High hai, aur volatility 8.58 hai. Haan, Sharpe ratio aur expense ratio ko dekha jaye to HDFC Balanced Advantage Fund behtar hai. Isliye, hum kehte hai ki HDFC Balanced Advantage Fund risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
Dekho, HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, kyunki isme equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur anya assets hai. Chaliye, hum isme nivesh karein, kyunki yeh sector risk ko kam karta hai. Haan, HDFC Flexi Cap Fund ka asset allocation zyada concentrated hai, kyunki isme 97% equity 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, jo HDFC Balanced Advantage Fund se zyada hai. Isliye, HDFC Flexi Cap Fund long run me behtar returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Flexi Cap Fund ka volatility 12.97 hai, lekin Sharpe ratio 0.87 hai. Isliye, yeh higher risk fund worth it nahi hai, kyunki returns ka risk-adjusted analysis karein to HDFC Balanced Advantage Fund behtar hai.
Q3: Which fund is more cost‑effective?
HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo HDFC Balanced Advantage Fund se kam hai. Isliye, HDFC Flexi Cap Fund 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