HDFC Balanced Advantage Fund vs ICICI Prudential Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
12.2%
Dono funds ki category Hybrid hai, dekho, hum yahaan compare karenge Fund A aur Fund B ko, aur aapko bataayenge ki kaunsa fund aapke liye behtar hai, chaliye.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Hybrid | Hybrid |
| NAV (₹) | 551.96 | 84.60 |
| AUM (₹ Cr) | 10.54 Lac Cr | 7.06 Lac Cr |
| Expense Ratio (%) | 0.75% | 1% |
| Riskometer | Moderately High | Moderately High |
| Volatility | 8.58 | 9.34 |
| Sharpe Ratio | 0.93 | 0.61 |
| 1 Year Return (%) | -1.45% | 4.35% |
| 3 Year Return (%) | 14.5% | 12.2% |
| 5 Year Return (%) | 15.05% | 11.25% |
| Since Launch (%) | 13.14% | 12.54% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) |
| 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: 68.12% | CD: 4.05% | REITs: 3.85% | SDL: 3.68% | GOI Sec: 3.07% | Debenture: 2.37% | T-Bills: 2.0% | NCD: 1.59% | Sec. Debt: 0.91% | Debt: 0.49% | InvITs: 0.32% | CP: 0.28% | ZCB: 0.23% | GOI FRB: 0.1% | Pref. Shares: 0.1% | ID: -0.59% | Futures: -3.84% |
| Portfolio Turnover | 27% | 451% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return, expense ratio, aur risk ke basis par, Fund A better hai, kyunki uska 3Y return 14.5% hai, jo Fund B se zyada hai, aur expense ratio bhi kam hai, lekin riskometer Moderately High hai dono funds mein.
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 ICICI Prudential Balanced Advantage Fund?
- Expense ratio: 1%
- 3Y return: 12.2%
- AUM: 7.06 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Chaliye, dono funds mein SIP ke liye, consistency aur return stability ko dekha jaye, toh Fund A ka 3Y return zyada stable hai, isliye yeh better option hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ko compare kiya jaye, toh Fund A ka Sharpe ratio 0.93 hai, jo Fund B se zyada hai, aur expense ratio bhi kam hai, isliye yeh better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko dekha jaye, toh Fund A ka asset allocation zyada diversified hai, aur top holdings mein bhi zyada diversification hai, isliye yeh better option hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% 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 ka 5Y return 15.05% hai, jo Fund B se zyada hai, isliye yeh better returns deta hai long run mein.
Q2: Is the higher risk fund worth it?
Dono funds ka riskometer Moderately High hai, lekin 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 A ka expense ratio 0.75% hai, jo Fund B se kam hai, isliye yeh more 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