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, aapko do funds ki comparison karni hai, ek Hybrid category ka HDFC Balanced Advantage Fund aur doosra Large Cap category ka HDFC Top 100 Fund. Chaliye, aapko yeh samjhaate hain ki inmein se kaunsa fund aapke long-term wealth creation ke liye behtar hai. Haan, aap yeh jaanenge ki kaunsa fund aapke investment goals ke liye suitable hai.
| 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?
Sach ye hai ki HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo HDFC Top 100 Fund ke 11.02% se zyada hai. Iske alawa, HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo HDFC Top 100 Fund ke 1.52% se kam hai. Lekin, risk ke maamle mein, HDFC Top 100 Fund ka riskometer Very High hai, jabki HDFC Balanced Advantage Fund ka Moderately High 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
Dekho, agar aap 10+ years ke liye monthly SIP karna chahte hain, toh HDFC Balanced Advantage Fund behtar vikalp hai. Is fund ka 3Y return aur 5Y return consistency se accha hai, aur yeh risk-adjusted returns bhi behtar hai. Chaliye, aap is fund mein apna investment shuru karein.
⚠️ Risk & Cost Analysis
Haan, risk ke maamle mein, HDFC Balanced Advantage Fund ka riskometer Moderately High hai, jabki HDFC Top 100 Fund ka Very High hai. Iske alawa, HDFC Balanced Advantage Fund ka volatility 8.58 hai, jo HDFC Top 100 Fund ke 13.06 se kam hai. Lekin, expense ratio ke maamle mein, HDFC Balanced Advantage Fund ka 0.75% hai, jo HDFC Top 100 Fund ke 1.52% se kam hai.
📊 Portfolio Diversification
Dekho, HDFC Balanced Advantage Fund ka asset allocation diversified hai, jismein equity 69.75%, GOI Sec 7.48%, aur debenture 6.09% hai. Iske alawa, top holdings mein ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. hain. Lekin, HDFC Top 100 Fund ka asset allocation zyada concentrated hai, jismein equity 96% hai aur top holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. 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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo HDFC Top 100 Fund ke 10.33% se zyada hai.
Q2: Is the higher risk fund worth it?
Nahi, HDFC Top 100 Fund ka higher risk meter Very High hai, aur iska Sharpe ratio 0.35 hai, jo HDFC Balanced Advantage Fund ke 0.93 se kam 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.
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