HDFC Balanced Advantage Fund vs HDFC Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
15.78%
dekho, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur HDFC Small Cap Fund. Dono ki category alag hai, ek hybrid hai aur dusra small cap. Chaliye, hum yeh jaanne ki koshish karte hain ki kaunsa fund long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BHDFC Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Hybrid | Small Cap |
| NAV (₹) | 551.96 | 152.64 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.82 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.73% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 16.9 |
| Sharpe Ratio | 0.93 | 0.55 |
| 1 Year Return (%) | -1.45% | 0.2% |
| 3 Year Return (%) | 14.5% | 15.78% |
| 5 Year Return (%) | 15.05% | 18.08% |
| Since Launch (%) | 13.14% | 18.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 30 June 2014 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Chirag Setalvad; Dhruv Muchhal (11.9 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | Aster DM Healthcare Ltd. (4.42%), Bank Of Baroda (3.23%), Firstsource Solutions Ltd. (3.17%) |
| 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: 90.45% |
| Portfolio Turnover | 27% | 6% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return ke hisab se HDFC Small Cap Fund behtar hai, lekin risk bhi zyada hai. Lekin, HDFC Balanced Advantage Fund ka expense ratio thoda zyada hai. Sach ye hai, HDFC Balanced Advantage Fund ka risk moderate high hai, jo ki thoda manageable hai. Isliye, hum HDFC Balanced Advantage Fund ko long-term wealth creation ke liye behtar maante 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 Small Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 15.78%
- AUM: 3.82 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
Chaliye, SIP ke liye dekhte hain, to HDFC Balanced Advantage Fund ka consistency thoda behtar hai. Dekho, dono funds ka 1Y return thoda kam hai, lekin HDFC Balanced Advantage Fund ka 3Y return thoda stable hai. Isliye, hum HDFC Balanced Advantage Fund ko SIP ke liye behtar maante hain.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se HDFC Small Cap Fund ka risk very high hai, aur volatility bhi zyada hai. Lekin, Sharpe ratio ke hisab se HDFC Balanced Advantage Fund behtar hai. Expense ratio ke hisab se HDFC Small Cap Fund thoda kam hai. Isliye, hum HDFC Balanced Advantage Fund ko risk-adjusted returns ke liye behtar maante hain.
📊 Portfolio Diversification
Haan, portfolio diversification ke hisab se HDFC Balanced Advantage Fund behtar hai. Dekho, iska asset allocation diversified hai, aur top holdings bhi thoda diversified hain. Lekin, HDFC Small Cap Fund ka asset allocation zyada equity mein hai, jo ki sector risk ko badhata hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
HDFC Small Cap Fund
₹1462201.27
@15.8% 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 Small Cap Fund ka 5Y return 18.08% hai, jo ki HDFC Balanced Advantage Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Nahin, HDFC Small Cap Fund ka volatility 16.9 hai, jo ki HDFC Balanced Advantage Fund se zyada hai, aur Sharpe ratio bhi kam hai.
Q3: Which fund is more cost‑effective?
HDFC Small Cap Fund ka expense ratio 0.73% hai, jo ki HDFC Balanced Advantage Fund se kam 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