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, hum do funds ki comparison kar rahe hain - HDFC Balanced Advantage Fund aur HDFC Top 100 Fund. Ek hybrid category ka hai, dusra large cap ka. Chaliye, aage badhte hain, aur dekhte hain kaunsa fund long-term wealth creation ke liye better hai, aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 11.21 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.06 |
| 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% | 4.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 25 June 2014 |
| 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, HDFC Balanced Advantage Fund 3Y return mein 14.5% ka return diya hai, jo HDFC Top 100 Fund ke 11.02% se zyada hai. Expense ratio bhi kam hai, 0.75% ki jagah 1.52%. Risk bhi moderately high hai, jo very high se kam hai. Isliye, humein lagta hai 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 Top 100 Fund?
- Expense ratio: 1.52%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
SIP ke liye, humein consistency aur return stability ki zarurat hoti hai. Dekho, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, aur volatility 8.58 hai, jo HDFC Top 100 Fund ke 13.06 se kam hai. Isliye, humein lagta hai ki HDFC Balanced Advantage Fund SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Lekin, risk aur cost analysis karte waqt, humein pata chalta hai ki HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur Sharpe ratio 0.93 hai. Expense ratio bhi 0.75% hai, jo HDFC Top 100 Fund ke 1.52% se kam hai. Isliye, humein lagta hai ki HDFC Balanced Advantage Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Portfolio diversification ki baat karte hain, to HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai - equity 69.75%, GOI Sec 7.48%, aur aur bhi assets hain. Top holdings bhi zyada concentrated nahi hain, sirf 4.47% ICICI Bank Ltd. mein. Isliye, humein lagta hai ki HDFC Balanced Advantage Fund zyada diversified 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, aur 3Y return 14.5% hai, jo HDFC Top 100 Fund ke 10.33% aur 11.02% se zyada hai.
Q2: Is the higher risk fund worth it?
Nahi, HDFC Top 100 Fund ka volatility 13.06 hai, aur Sharpe ratio 0.35 hai, jo HDFC Balanced Advantage Fund ke 8.58 aur 0.93 se zyada hai. Isliye, humein lagta hai ki higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo HDFC Top 100 Fund ke 1.52% se kam hai. Exit load ki information nahi hai, lekin expense ratio ke hisab se HDFC Balanced Advantage 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