HDFC Balanced Advantage Fund vs ICICI Prudential Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
15.42%
dekho, aapke paas do fund options hain - HDFC Balanced Advantage Fund aur ICICI Prudential Small Cap Fund. Ye dono alag categories mein aate hain, ek Hybrid aur doosra Small Cap. is article mein hum in dono funds ke baare mein compare karenge aur aapko bataayenge ki kaunsa fund long-term wealth creation ke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Hybrid | Small Cap |
| NAV (₹) | 551.96 | 96.92 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.27 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.82% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 17.48 |
| Sharpe Ratio | 0.93 | 0.51 |
| 1 Year Return (%) | -1.45% | 1.68% |
| 3 Year Return (%) | 14.5% | 15.42% |
| 5 Year Return (%) | 15.05% | 17.22% |
| Since Launch (%) | 13.14% | 16.62% |
| 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) | Harsh Upadhyaya; Sharmila D'Silva (4.2 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| 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: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 27% | 21% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return ke basis par dono funds ka comparison karte hain, toh HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo ki ICICI Prudential Small Cap Fund ke 15.42% se thoda kam hai. Lekin, risk ke maamle mein HDFC Balanced Advantage Fund ka riskometer Moderately High hai, jabki ICICI Prudential Small Cap Fund ka Very High hai. Expense ratio mein bhi HDFC Balanced Advantage Fund thoda better hai, 0.75% ke comparison mein ICICI Prudential Small Cap Fund ka 0.82% hai. Isliye, hum kehte hain ki HDFC Balanced Advantage Fund 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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 15.42%
- AUM: 2.27 Lac Cr
- Sharpe Ratio: 0.51
📈 SIP Suitability
Chaliye, monthly SIP ke liye dono funds ka comparison karte hain. HDFC Balanced Advantage Fund ka 3Y return consistency aur stability ke maamle mein thoda better hai, isliye hum kehte hain ki HDFC Balanced Advantage Fund 10+ years ke liye monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Sach ye hai ki ICICI Prudential Small Cap Fund ka riskometer Very High hai, aur volatility bhi 17.48 hai, jo ki HDFC Balanced Advantage Fund ke 8.58 se bahut zyada hai. Sharpe ratio mein bhi HDFC Balanced Advantage Fund ka 0.93 better hai. Expense ratio mein bhi HDFC Balanced Advantage Fund thoda better hai. Isliye, hum kehte hain ki HDFC Balanced Advantage Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Dekho, asset allocation ke maamle mein HDFC Balanced Advantage Fund ka diversification thoda better hai, kyunki ismein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur anya assets shamil hain. Top holdings mein bhi HDFC Balanced Advantage Fund ka concentration thoda kam hai, sirf 4.47% ICICI Bank Ltd. mein, jabki ICICI Prudential Small Cap Fund ka 3.2% Aarti Drugs Ltd. mein. Isliye, hum kehte hain ki HDFC Balanced Advantage Fund ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
ICICI Prudential Small Cap Fund
₹1429907.82
@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?
ICICI Prudential Small Cap Fund ka 5Y return 17.22% hai, jo ki HDFC Balanced Advantage Fund ke 15.05% se zyada hai. Isliye, ICICI Prudential Small Cap Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke maamle mein HDFC Balanced Advantage Fund better hai, isliye hum kehte hain ki higher risk fund worth it nahin hai.
Q3: Which fund is more cost‑effective?
Expense ratio ke maamle mein HDFC Balanced Advantage Fund ka 0.75% better hai, kyunki ICICI Prudential Small Cap Fund ka 0.82% hai. Exit load ke baare mein koi information nahin hai, isliye hum kehte hain ki 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