HDFC Balanced Advantage Fund vs JM Financial Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
14.7%
dekho, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur JM Financial Large Cap Fund. yeh dono alag categories mein aate hain, ek hybrid hai aur doosra large cap. hum aapko bataayenge ki inmein se kaunsa fund long-term wealth creation ke liye better hai aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BJM Financial Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | JM Financial |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 497.22 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.26 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 12.25 |
| Sharpe Ratio | 0.93 | 0.67 |
| 1 Year Return (%) | -1.45% | -4.02% |
| 3 Year Return (%) | 14.5% | 14.7% |
| 5 Year Return (%) | 15.05% | 12.03% |
| Since Launch (%) | 13.14% | 11.65% |
| 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) | Asit Bhandarkar (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% | 26% |
🤖 AI Verdict – Which is Better?
chaliye, hum dekhte hain ki 3Y return, expense ratio, aur risk ke basis par kaunsa fund better hai. HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jabki JM Financial Large Cap Fund ka 14.7% hai. lekin, HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki thoda zyada hai. risk ke maamle mein, HDFC Balanced Advantage Fund ka riskometer moderately high hai, jabki JM Financial Large Cap Fund ka very high hai. haan, 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 JM Financial Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.26 Lac Cr
- Sharpe Ratio: 0.67
📈 SIP Suitability
sach ye hai ki dono funds SIP ke liye suitable hain, lekin consistency aur return stability ke maamle mein HDFC Balanced Advantage Fund thoda better hai. iska 3Y return 14.5% hai, jo ki stable hai. isliye, hum kehte hain ki HDFC Balanced Advantage Fund SIP ke liye better hai.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ke maamle mein HDFC Balanced Advantage Fund aur JM Financial Large Cap Fund ki comparison karte hain. HDFC Balanced Advantage Fund ka riskometer moderately high hai, jabki JM Financial Large Cap Fund ka very high hai. volatility mein bhi, HDFC Balanced Advantage Fund ka volatility 8.58 hai, jabki JM Financial Large Cap Fund ka 12.25 hai. Sharpe ratio ke maamle mein, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo ki better hai. expense ratio mein, JM Financial Large Cap Fund ka expense ratio 0.52% hai, jo ki kam hai. isliye, hum kehte hain ki HDFC Balanced Advantage Fund risk-adjusted returns ke maamle mein better hai.
📊 Portfolio Diversification
chaliye, hum dekhte hain ki dono funds ki asset allocation aur top holdings concentration ki comparison karte hain. HDFC Balanced Advantage Fund ki asset allocation mein equity 69.75% hai, GOI Sec 7.48% hai, aur debenture 6.09% hai. top holdings mein, ICICI Bank Ltd. 4.47% hai, HDFC Bank Ltd. 4.14% hai, aur Reliance Industries Ltd. 4.09% hai. JM Financial Large Cap Fund ki asset allocation mein equity 96% hai, aur T-Bills 4% hai. top holdings mein, HDFC Bank Ltd. 8.5% hai, ICICI Bank Ltd. 7.8% hai, aur Reliance Industries Ltd. 6.9% hai. isliye, hum kehte hain ki HDFC Balanced Advantage Fund ki portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
JM Financial Large Cap Fund
₹1367804.07
@14.7% 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?
dekho, 5Y return ke maamle mein HDFC Balanced Advantage Fund ka return 15.05% hai, jabki JM Financial Large Cap Fund ka return 12.03% hai. 3Y return ke maamle mein, HDFC Balanced Advantage Fund ka return 14.5% hai, jabki JM Financial Large Cap Fund ka return 14.7% hai. isliye, hum kehte hain ki HDFC Balanced Advantage Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
haan, volatility aur Sharpe ratio ke maamle mein dekha jaye to, HDFC Balanced Advantage Fund ka volatility 8.58 hai, jabki JM Financial Large Cap Fund ka 12.25 hai. Sharpe ratio mein, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo ki better hai. isliye, hum kehte hain ki higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
dekho, expense ratio ke maamle mein JM Financial Large Cap Fund ka expense ratio 0.52% hai, jabki HDFC Balanced Advantage Fund ka 0.75% hai. exit load ki information nahi hai. isliye, hum kehte hain ki JM Financial Large Cap 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