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, aapke paas do fund options hain - HDFC Balanced Advantage Fund aur ICICI Prudential Multi Cap Fund. Ye dono alag categories mein aate hain, ek hybrid hai aur doosra multi cap. Is article mein hum aapko bataayenge ki inmein se kaunsa fund aapke long-term wealth creation ke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Multi Cap Fund - Regular 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% | 1.74% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.2 |
| Sharpe Ratio | 0.93 | 1.06 |
| 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?
Haan, agar hum 3Y return, expense ratio, aur risk ko dekhein, to HDFC Balanced Advantage Fund thoda better lagta hai. Iska 3Y return 14.5% hai, jo ki ICICI Prudential Multi Cap Fund se kam risk ke saath aaya hai. Lekin, ye decision aapke personal financial goals par bhi depend karta 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 Multi Cap Fund?
- Expense ratio: 1.74%
- 3Y return: 20.43%
- AUM: 1.70 Lac Cr
- Sharpe Ratio: 1.06
📈 SIP Suitability
Chaliye, SIP ke liye dekhein, to HDFC Balanced Advantage Fund thoda better option lagta hai. Iska consistency aur return stability thoda accha hai, jo ki long-term SIP ke liye zaroori hai. Lekin, ye bhi dhyan rakhna hai ki aapke personal financial goals kya hain.
⚠️ Risk & Cost Analysis
Sach ye hai, ki ICICI Prudential Multi Cap Fund ka riskometer very high hai, aur volatility bhi zyada hai. Lekin, Sharpe ratio thoda accha hai, jo ki risk-adjusted returns ko darshata hai. HDFC Balanced Advantage Fund ka expense ratio kam hai, jo ki aapke returns ko affect karta hai.
📊 Portfolio Diversification
Dekho, HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, kyunki ismein alag-alag asset classes mein investment hai. Lekin, ICICI Prudential Multi Cap Fund ka asset allocation zyada equity mein concentrated 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 se zyada hai. Lekin, 3Y return mein HDFC Balanced Advantage Fund ka return 14.5% hai, jo ki thoda kam hai.
Q2: Is the higher risk fund worth it?
Ye decision aapke personal risk tolerance par depend karta hai. Agar aap higher risk le sakte hain, to ICICI Prudential Multi Cap Fund ka Sharpe ratio 1.06 hai, jo ki HDFC Balanced Advantage Fund se zyada hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki ICICI Prudential Multi Cap Fund se kam hai. Lekin, exit load ki information N/A 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