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, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur ICICI Prudential Multi Cap Fund. Dono funds alag categories mein aate hain, ek Hybrid aur doosra Multi Cap. Is article mein hum aapko bataayenge ki kaunsa fund long-term wealth creation ke liye behtar 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?
chaliye, hum dekhte hain ki kaunsa fund long-term wealth creation ke liye behtar hai. 3Y return ke hisaab se, ICICI Prudential Multi Cap Fund behtar hai, lekin expense ratio kaafi high hai. Risk ke maamle mein, HDFC Balanced Advantage Fund moderately high risk ka hai, jabki ICICI Prudential Multi Cap Fund very high risk ka hai. Haan, agar hum sab kuchh consider karein, to HDFC Balanced Advantage Fund thoda behtar option lagta 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
sach ye hai, dono funds SIP ke liye suitable hain, lekin consistency aur return stability ke maamle mein, HDFC Balanced Advantage Fund thoda behtar hai. Is fund ka 3Y return 14.5% hai, jo ki stable hai. Isliye, agar aap 10+ years ke liye SIP karna chahte hain, to HDFC Balanced Advantage Fund behtar option ho sakta hai.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisaab se, ICICI Prudential Multi Cap Fund very high risk ka hai, jabki HDFC Balanced Advantage Fund moderately high risk ka hai. Volatility ke maamle mein, ICICI Prudential Multi Cap Fund ka volatility 13.2 hai, jabki HDFC Balanced Advantage Fund ka volatility 8.58 hai. Sharpe ratio ke hisaab se, ICICI Prudential Multi Cap Fund ka Sharpe ratio 1.06 hai, jabki HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai. Expense ratio ke maamle mein, HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jabki ICICI Prudential Multi Cap Fund ka expense ratio 1.74% hai.
📊 Portfolio Diversification
chaliye, hum dekhte hain ki kaunsa fund more diversified hai. HDFC Balanced Advantage Fund ka asset allocation diversified hai, jismein equity 69.75%, GOI Sec 7.48%, Debenture 6.09% aur anya assets hain. ICICI Prudential Multi Cap Fund ka asset allocation mostly equity mein hai, jismein 97.97% equity hai. Isliye, HDFC Balanced Advantage Fund more diversified 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, jabki HDFC Balanced Advantage Fund ka 5Y return 15.05% hai. Isliye, ICICI Prudential Multi Cap Fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
ICICI Prudential Multi Cap Fund ka volatility 13.2 hai, jabki HDFC Balanced Advantage Fund ka volatility 8.58 hai. Lekin, ICICI Prudential Multi Cap Fund ka Sharpe ratio 1.06 hai, jo ki behtar hai. Isliye, higher risk fund worth it ho sakta hai, lekin risk tolerance ke hisaab se decision lena chahiye.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jabki ICICI Prudential Multi Cap Fund ka expense ratio 1.74% hai. Isliye, 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