HDFC Balanced Advantage Fund vs ICICI Prudential Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
14.81%
dekho, humne do funds ki comparison ki hai, Fund A jo ki Hybrid category mein aata hai aur Fund B jo ki Large Cap category mein aata hai, chaliye is article mein hum dekhenge ki konsi fund long-term wealth creation ke liye better hai, aur konsi fund monthly SIP ke liye suitable hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 117.10 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.36 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 11.43 |
| Sharpe Ratio | 0.93 | 0.73 |
| 1 Year Return (%) | -1.45% | -2.39% |
| 3 Year Return (%) | 14.5% | 14.81% |
| 5 Year Return (%) | 15.05% | 14.18% |
| Since Launch (%) | 13.14% | 14.71% |
| 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) | Anish Tawakley (3.5 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% | 17% |
🤖 AI Verdict – Which is Better?
Haan, Fund A ka 3Y return 14.5% hai, jo ki Fund B se thoda kam hai, lekin Fund A ka expense ratio 0.75% hai, jo ki Fund B se thoda zyada hai, sach ye hai ki Fund A ka riskometer Moderately High hai, jo ki Fund B ke Very High riskometer se kam hai, isliye hum kehte hain ki Fund A 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 ICICI Prudential Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.81%
- AUM: 2.36 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Chaliye, hum dekhenge ki konsi fund monthly SIP ke liye better hai, Fund A ka consistency aur return stability thoda better hai, isliye hum kehte hain ki Fund A monthly SIP ke liye suitable hai, haan, agar aap 10+ years ke liye invest kar rahe hain toh.
⚠️ Risk & Cost Analysis
dekho, Fund A ka riskometer Moderately High hai, jo ki Fund B ke Very High riskometer se kam hai, aur Fund A ka Sharpe ratio 0.93 hai, jo ki Fund B ke 0.73 se better hai, isliye hum kehte hain ki Fund A better risk-adjusted returns deta hai, chaliye, expense ratio ki baat karein toh Fund B ka expense ratio 0.52% hai, jo ki Fund A se kam hai.
📊 Portfolio Diversification
Haan, hum dekhenge ki konsi fund more diversified hai, Fund A ka asset allocation thoda better hai, kyunki ismein equity ke alawa bhi kai assets hain, jaise ki GOI Sec, Debenture, NCD, Debt, SDL, REITs, Bonds/NCD, CD, Bonds/Deb, Sec. Debt, InvITs, FRB, Add. Tier 1 Bond, FD, ZCB, isliye hum kehte hain ki Fund A more diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
ICICI Prudential Large Cap Fund
₹1377083.20
@14.8% 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 ki Fund B ke 14.18% se better hai, isliye hum kehte hain ki Fund A long-run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
dekho, Fund B ka riskometer Very High hai, aur volatility 11.43 hai, jo ki Fund A se zyada hai, lekin Sharpe ratio thoda kam hai, isliye hum kehte hain ki higher risk fund worth it nahi hai, agar aap risk nahi lena chahte hain.
Q3: Which fund is more cost‑effective?
Haan, Fund B ka expense ratio 0.52% hai, jo ki Fund A ke 0.75% se kam hai, isliye hum kehte hain ki Fund B more cost-effective hai, lekin exit load ki information nahi hai, isliye hum kehte hain ki sirf expense ratio ki baat kar sakte hain.
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