HDFC Balanced Advantage Fund vs HDFC Infra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
7.4%
dekho, aaj hum compare karenge do alag-alag category ke funds - HDFC Balanced Advantage Fund aur HDFC Infra Fund. Hum dekhnge unke returns, risk, aur expense ratio ko, taaki aap decide kar sakein kaunsa fund aapke long-term wealth creation ke liye better hai. chaliye, shuru karte hain.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BHDFC Infra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Hybrid | Thematic |
| NAV (₹) | 551.96 | 33.77 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.19 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.5% |
| Riskometer | Moderately High | Moderate |
| Volatility | 8.58 | 14.88 |
| Sharpe Ratio | 0.93 | 0.06 |
| 1 Year Return (%) | -1.45% | 6.36% |
| 3 Year Return (%) | 14.5% | 7.4% |
| 5 Year Return (%) | 15.05% | 6.49% |
| Since Launch (%) | 13.14% | 6.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Roshi Jain (3.5 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty Infrastructure TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | HDFC Bank Ltd. (5.8%), ICICI Bank Ltd. (5.2%), Larsen & Toubro 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: 95.00% | T-Bills: 5.00% |
| Portfolio Turnover | 27% | 35% |
🤖 AI Verdict – Which is Better?
haan, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo HDFC Infra Fund ke 7.4% se zyada hai. iske alawa, HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo moderate hai. lekin, risk bhi moderate to high hai, jo 8.58 ki volatility ke saath hai. isliye, hum kehte hain ki HDFC Balanced Advantage Fund long-term wealth creation ke liye better 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 Infra Fund?
- Expense ratio: 0.5%
- 3Y return: 7.4%
- AUM: 2.19 Lac Cr
- Sharpe Ratio: 0.06
📈 SIP Suitability
sach ye hai, HDFC Balanced Advantage Fund ka return stability aur consistency HDFC Infra Fund se better hai. isliye, agar aap 10+ years ke liye monthly SIP karna chahte hain, to HDFC Balanced Advantage Fund better option hai. chaliye, ismein invest karte hain.
⚠️ Risk & Cost Analysis
dekho, HDFC Balanced Advantage Fund ka riskometer moderately high hai, lekin Sharpe ratio 0.93 hai, jo accha hai. iske alawa, expense ratio 0.75% hai, jo moderate hai. HDFC Infra Fund ka riskometer moderate hai, lekin Sharpe ratio 0.06 hai, jo kam hai. isliye, hum kehte hain ki HDFC Balanced Advantage Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
haan, HDFC Balanced Advantage Fund ka asset allocation diversified hai, jismein equity 69.75%, GOI Sec 7.48%, aur debenture 6.09% hai. top holdings mein ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. hain. HDFC Infra Fund ka asset allocation zyada concentrated hai, jismein equity 95% hai. isliye, hum kehte hain ki HDFC Balanced Advantage Fund ka portfolio zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
HDFC Infra Fund
₹890195.03
@7.4% 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 HDFC Infra Fund ke 6.49% se zyada hai. isliye, hum kehte hain ki HDFC Balanced Advantage Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Balanced Advantage Fund ka risk zyada hai, lekin Sharpe ratio 0.93 hai, jo accha hai. isliye, hum kehte hain ki higher risk worth it hai, kyunki returns bhi zyada hai.
Q3: Which fund is more cost‑effective?
HDFC Infra Fund ka expense ratio 0.5% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai. lekin, exit load N/A hai. isliye, hum kehte hain ki HDFC Infra 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