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 Hybrid category mein aate hain, lekin unke returns aur risk profile alag hain. Dekho, Fund A aur Fund B mein kaun sa fund aapke liye better hai, yeh jaanne ke liye humein unke returns, risk, aur expense ratio ko compare karna hoga.
| 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 aur expense ratio ke basis par, Fund A thoda better lagta hai. Fund A ka 3Y return 14.5% hai, jabki Fund B ka 12.2% hai. Saath hi, Fund A ka expense ratio 0.75% hai, jabki Fund B ka 1% hai. Risk ke maamle mein, dono funds Moderately High riskometer ke saath hain, lekin Fund A ka volatility thoda kam 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 ICICI Prudential Balanced Advantage Fund?
- Expense ratio: 1%
- 3Y return: 12.2%
- AUM: 7.06 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Chaliye, monthly SIP ke liye Fund A thoda better option lagta hai. Iska 3Y return consistency aur stability thoda accha hai, jo long-term wealth creation ke liye zaroori hai. Dekho, Fund A ka 5Y return 15.05% hai, jo Fund B ke 11.25% se zyada hai.
⚠️ Risk & Cost Analysis
Sach ye hai, dono funds ka risk profile similar hai, lekin Fund A ka Sharpe ratio 0.93 hai, jo Fund B ke 0.61 se zyada hai. Isse pata chalta hai ki Fund A better risk-adjusted returns offer karta hai. Saath hi, Fund A ka expense ratio bhi kam hai, jo aapke returns ko zyada banata hai.
📊 Portfolio Diversification
Dekho, dono funds ka asset allocation alag hai, lekin Fund A ka equity allocation zyada hai. Fund A ka top 3 holdings mein ICICI Bank, HDFC Bank, aur Reliance Industries hai, jabki Fund B ka TVS Motor, ICICI Bank, aur HDFC Bank hai. Fund A ka portfolio thoda zyada diversified lagta hai, lekin dono funds mein sector risk hai.
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?
Haan, Fund A ka 5Y return 15.05% hai, jo Fund B ke 11.25% se zyada hai. Isliye, long-term mein Fund A better returns dega.
Q2: Is the higher risk fund worth it?
Lekin, dono funds ka risk profile similar hai, aur Fund A ka Sharpe ratio zyada hai. Isliye, higher risk fund worth nahi hai, kyunki Fund A better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost‑effective?
Haan, Fund A ka expense ratio 0.75% hai, jo Fund B ke 1% se kam hai. Isliye, Fund A 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