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, ek Hybrid aur ek Large Cap, aur hum aapko bataayenge ki kaunsa fund long-term wealth creation ke liye behtar hai, chaliye shuru karte hain, haan.
| 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?
Fund A, HDFC Balanced Advantage Fund, 3Y return mein 14.5% ka return diya hai, jo Fund B se zyada hai, lekin risk bhi moderately high hai, aur expense ratio 0.75% hai, jo thoda zyada hai, lekin overall risk-adjusted returns ke liye yeh 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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Agar aap 10+ years ke liye monthly SIP karne ki soch rahe hain, to Fund A behtar hai, kyunki iski consistency aur return stability zyada hai, chaliye ismein nivesh karte hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ki comparison mein, Fund A ka riskometer moderately high hai, lekin Sharpe ratio 0.93 hai, jo Fund B se zyada hai, isliye yeh better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ki comparison mein, Fund A ka asset allocation zyada diversified hai, kyunki ismein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur anya assets hain, jo sector risk ko kam karte hain.
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?
Fund A, HDFC Balanced Advantage Fund, 5Y return mein 15.05% ka return diya hai, jo Fund B se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka Sharpe ratio 0.93 hai, jo Fund B se zyada hai, isliye yeh higher risk worth it hai.
Q3: Which fund is more cost‑effective?
Fund B ka expense ratio 0.31% hai, jo Fund A se kam hai, lekin exit load ki information nahi hai, isliye sirf expense ratio ki comparison mein Fund B 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