HDFC Balanced Advantage Fund vs ICICI Prudential Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
20.43%
dekho, hum do funds ki comparison kar rahe hain - HDFC Balanced Advantage Fund aur ICICI Prudential Multi Cap Fund, jo ki Hybrid aur Multi Cap categories mein aate hain. is article mein, hum in dono funds ki details compare karenge, taki aapko pata chale ki kaunsa fund aapke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Multi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 934.98 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.70 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.99% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.45 |
| Sharpe Ratio | 0.93 | 1.04 |
| 1 Year Return (%) | -1.45% | 6.9% |
| 3 Year Return (%) | 14.5% | 20.43% |
| 5 Year Return (%) | 15.05% | 17.37% |
| Since Launch (%) | 13.14% | 16.31% |
| 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) | Lalit Kumar; Sharmila D'Silva (3.9 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | BSE Ltd. (3.31%), Ultratech Cement Ltd. (2.85%), Jindal Steel Ltd. (2.73%) |
| 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: 97.97% |
| Portfolio Turnover | 27% | 45% |
🤖 AI Verdict – Which is Better?
chaliye, hum dekhte hain, 3Y return ke hisab se, ICICI Prudential Multi Cap Fund behtar hai, lekin risk bhi jyada hai, haan, HDFC Balanced Advantage Fund ka expense ratio kam hai, aur risk bhi moderately high hai, isliye hum kehte hain, long-term wealth creation ke liye, ICICI Prudential Multi Cap Fund behtar hai, lekin risk ko dhyan mein rakhte huye.
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 Multi Cap Fund?
- Expense ratio: 0.99%
- 3Y return: 20.43%
- AUM: 1.70 Lac Cr
- Sharpe Ratio: 1.04
📈 SIP Suitability
sach ye hai, dono funds SIP ke liye suitable hain, lekin consistency aur return stability ke mamle mein, HDFC Balanced Advantage Fund thoda behtar hai, kyunki uska 3Y return consistent hai, aur volatility bhi kam hai.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se, ICICI Prudential Multi Cap Fund ka risk very high hai, aur volatility bhi jyada hai, lekin Sharpe ratio behtar hai, jo ki risk-adjusted returns ko darshata hai, aur expense ratio ke mamle mein, HDFC Balanced Advantage Fund ka expense ratio kam hai, isliye hum kehte hain, HDFC Balanced Advantage Fund behtar risk-adjusted returns deta hai.
📊 Portfolio Diversification
haan, portfolio diversification ke mamle mein, HDFC Balanced Advantage Fund behtar hai, kyunki uska asset allocation diversified hai, aur top holdings concentration bhi kam hai, lekin ICICI Prudential Multi Cap Fund ka asset allocation mostly equity mein hai, jo ki sector risk ko badhata hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
ICICI Prudential Multi Cap Fund
₹1966010.45
@20.4% 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?
ICICI Prudential Multi Cap Fund ka 5Y return 17.37% hai, jo ki HDFC Balanced Advantage Fund ke 15.05% se jyada hai, isliye hum kehte hain, ICICI Prudential Multi Cap Fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
haan, ICICI Prudential Multi Cap Fund ka risk very high hai, lekin uska Sharpe ratio 1.04 hai, jo ki HDFC Balanced Advantage Fund ke 0.93 se jyada hai, isliye hum kehte hain, higher risk worth it hai, agar aap long-term mein invest kar rahe hain.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki ICICI Prudential Multi Cap Fund ke 0.99% se kam hai, isliye hum kehte hain, HDFC Balanced Advantage 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