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%
Chaliye, aaj hum do funds ki comparison karenge - HDFC Balanced Advantage Fund aur JM Financial Large Cap Fund. Dekho, dono funds alag categories mein aate hain, ek hybrid hai aur doosra large cap. Hum yeh jaanenge ki kaunsa fund long-term wealth creation ke liye better hai.
| 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?
Haan, 3Y return, expense ratio, aur risk ke basis par dekha jaye to HDFC Balanced Advantage Fund thoda better lagta hai. Iska 3Y return 14.5% hai, expense ratio 0.75% hai, aur riskometer moderately high hai. Sach ye hai ki JM Financial Large Cap Fund ka 3Y return 14.7% hai, lekin uska riskometer very high 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
Lekin, agar aap monthly SIP ke liye soch rahe hain to HDFC Balanced Advantage Fund better option hai. Iska consistency aur return stability thoda better hai. Chaliye, 10+ years ke liye SIP karna hai to yeh fund aapke liye suitable hai.
⚠️ Risk & Cost Analysis
Dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ki comparison karte hain. HDFC Balanced Advantage Fund ka riskometer moderately high hai, volatility 8.58 hai, Sharpe ratio 0.93 hai, aur expense ratio 0.75% hai. JM Financial Large Cap Fund ka riskometer very high hai, volatility 12.25 hai, Sharpe ratio 0.67 hai, aur expense ratio 0.52% hai. Haan, HDFC Balanced Advantage Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Chaliye, asset allocation aur top holdings concentration ki comparison karte hain. HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai - equity 69.75%, GOI Sec 7.48%, aur debenture 6.09%. JM Financial Large Cap Fund ka asset allocation thoda concentrated hai - equity 96%, T-Bills 4%. Haan, HDFC Balanced Advantage Fund more diversified 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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, aur 3Y return 14.5% hai. JM Financial Large Cap Fund ka 5Y return 12.03% hai, aur 3Y return 14.7% hai. Haan, HDFC Balanced Advantage Fund gives better returns in the long run.
Q2: Is the higher risk fund worth it?
JM Financial Large Cap Fund ka volatility 12.25 hai, aur Sharpe ratio 0.67 hai. HDFC Balanced Advantage Fund ka volatility 8.58 hai, aur Sharpe ratio 0.93 hai. Dekho, higher risk fund worth nahi hai, kyunki uska risk-adjusted return thoda kam hai.
Q3: Which fund is more cost‑effective?
JM Financial Large Cap Fund ka expense ratio 0.52% hai, aur HDFC Balanced Advantage Fund ka expense ratio 0.75% hai. Haan, 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