HDFC Balanced Advantage Fund vs ICICI Prudential Bluechip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
15.44%
dekho, hum do funds ki comparison karenge, Hybrid category ka HDFC Balanced Advantage Fund aur Large Cap category ka ICICI Prudential Bluechip Fund. chaliye, hum dekhte hain ki kaunsa fund long-term wealth creation ke liye behtar hai, aur kya unke returns consistent hain.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Bluechip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 83.91 |
| AUM (₹ Cr) | 10.54 Lac Cr | 5.81 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 12.52 |
| Sharpe Ratio | 0.93 | 0.71 |
| 1 Year Return (%) | -1.45% | 24.48% |
| 3 Year Return (%) | 14.5% | 15.44% |
| 5 Year Return (%) | 15.05% | 12.65% |
| Since Launch (%) | 13.14% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Anish Tawakley; Vaibhav Dusad (6.5 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% | 28% |
🤖 AI Verdict – Which is Better?
haan, 3Y return ke hisab se HDFC Balanced Advantage Fund behtar hai, kyunki uska return 14.5% hai, aur ICICI Prudential Bluechip Fund ka return 15.44% hai, lekin riskometer ke hisab se HDFC fund ka risk moderately high hai, jabki ICICI fund ka risk very high hai. isliye, hum kehte hain ki HDFC fund long-term wealth creation ke liye 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 ICICI Prudential Bluechip Fund?
- Expense ratio: 0.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
📈 SIP Suitability
sach ye hai ki HDFC Balanced Advantage Fund SIP ke liye behtar hai, kyunki uska return consistent hai aur volatility kam hai, isse investor ko long-term meh stable returns mil sakte hain. lekin, ICICI Prudential Bluechip Fund bhi SIP ke liye achha hai, kyunki uska return bhi consistent hai, lekin volatility zyada hai.
⚠️ Risk & Cost Analysis
chaliye, hum riskometer, volatility, Sharpe ratio, aur expense ratio ki comparison karte hain. HDFC Balanced Advantage Fund ka riskometer moderately high hai, jabki ICICI Prudential Bluechip Fund ka very high hai. volatility bhi ICICI fund meh zyada hai, lekin Sharpe ratio HDFC fund ka behtar hai. expense ratio ke hisab se ICICI fund ka ratio 0.52% hai, jabki HDFC fund ka 0.75% hai.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation diversified hai, kyunki usmeh equity, GOI Sec, Debenture, NCD, Debt, aur anya assets hain. lekin, ICICI Prudential Bluechip Fund ka asset allocation zyada equity meh hai, jo ki 96% hai. top holdings ke hisab se bhi HDFC fund ka diversification behtar hai, kyunki usmeh ICICI Bank, HDFC Bank, aur Reliance Industries ke alawa anya companies bhi hain.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% 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, 5Y return ke hisab se HDFC Balanced Advantage Fund ka return 15.05% hai, jabki ICICI Prudential Bluechip Fund ka return 12.65% hai, isliye HDFC fund long-term meh behtar returns deta hai.
Q2: Is the higher risk fund worth it?
dekho, ICICI Prudential Bluechip Fund ka risk very high hai, aur volatility bhi zyada hai, lekin Sharpe ratio ke hisab se HDFC Balanced Advantage Fund ka ratio behtar hai, isliye higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
haan, ICICI Prudential Bluechip Fund ka expense ratio 0.52% hai, jabki HDFC Balanced Advantage Fund ka ratio 0.75% hai, isliye ICICI fund 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