HDFC Balanced Advantage Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
11.02%
Dekho, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur HDFC Top 100 Fund. Dono funds alag categories mein aate hain, ek Hybrid hai aur doosra Large Cap. Chaliye, aage badhte hain aur dekhte hain ki kaunsa fund long-term wealth creation ke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 14.66 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.31% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.05 |
| Sharpe Ratio | 0.93 | 0.35 |
| 1 Year Return (%) | -1.45% | -2.86% |
| 3 Year Return (%) | 14.5% | 11.02% |
| 5 Year Return (%) | 15.05% | 10.33% |
| Since Launch (%) | 13.14% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Rahul Baijal; Roshi Jain (4.1 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 50 |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 27% | 33% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return, expense ratio, aur risk ke basis par HDFC Balanced Advantage Fund long-term wealth creation ke liye better lagta hai. Iska 3Y return 14.5% hai, jo HDFC Top 100 Fund se zyada hai. Lekin, risk bhi moderately high hai, isliye investors ko apne risk appetite ke hisab se faisla karna chahiye.
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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
SIP ke liye HDFC Balanced Advantage Fund better option lagta hai, kyunki iska consistency aur return stability dono achhe hain. Chaliye, 10+ years ke liye monthly SIP karne walon ke liye yeh fund suitable hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke basis par HDFC Balanced Advantage Fund better risk-adjusted returns offer karta hai. Iska Sharpe ratio 0.93 hai, jo HDFC Top 100 Fund se zyada hai, aur expense ratio 0.75% hai, jo reasonable hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke basis par HDFC Balanced Advantage Fund more diversified hai. Iska asset allocation diversified hai, aur top holdings concentration bhi kam hai. Lekin, HDFC Top 100 Fund ka asset allocation zyada equity-based hai, jiske karan sector risk zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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 Top 100 Fund se zyada hai. Isliye, long run mein HDFC Balanced Advantage Fund better returns deta hai.
Q2: Is the higher risk fund worth it?
Nahin, HDFC Top 100 Fund ka volatility 13.05 hai, jo zyada hai, aur Sharpe ratio 0.35 hai, jo kam hai. Isliye, higher risk worth nahi hai.
Q3: Which fund is more cost‑effective?
HDFC Top 100 Fund ka expense ratio 0.31% hai, jo HDFC Balanced Advantage Fund se kam hai. Lekin, exit load ki information nahi hai, isliye sirf expense ratio ke basis par HDFC Top 100 Fund more cost-effective lagta 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