HDFC Balanced Advantage Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
20.86%
dekho, Fund A aur Fund B ke categories alag hain, ek Hybrid hai aur doosra Multi Cap hai, chaliye inki comparison karte hain aur dekhte hain ki kaunsa fund long-term wealth creation ke liye behtar hai, haan ismein humein returns, risk, aur expense ratio ko compare karna hoga.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | JM Financial |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 19.01 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.68% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 14.35 |
| Sharpe Ratio | 0.93 | 1 |
| 1 Year Return (%) | -1.45% | 5.23% |
| 3 Year Return (%) | 14.5% | 20.86% |
| 5 Year Return (%) | 15.05% | 0% |
| Since Launch (%) | 13.14% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 3 February 2023 |
| 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 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 27% | 44% |
🤖 AI Verdict – Which is Better?
sach ye hai ki Fund A ka 3Y return 14.5% hai, jo Fund B se kam hai, lekin Fund A ka expense ratio 0.75% hai, jo Fund B se kam hai, aur risk bhi moderately high hai, isliye Fund A long-term wealth creation ke liye behtar 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
dekho, dono funds ke returns consistent nahi hain, lekin Fund A ka 3Y return stable hai, isliye yeh fund 10+ years ke SIP ke liye behtar hai, haan ismein risk bhi moderate hai.
⚠️ Risk & Cost Analysis
chaliye riskometer, volatility, Sharpe ratio, aur expense ratio ko compare karte hain, Fund A ka riskometer moderately high hai, aur Fund B ka very high, volatility bhi Fund B mein zyada hai, lekin Sharpe ratio Fund B mein behtar hai, isliye Fund B risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
dekho, Fund A ka asset allocation diversified hai, equity 69.75% hai, aur Fund B ka 97% hai, isliye Fund A ka portfolio jyada diversified hai, haan sector risk bhi Fund B mein zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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, Fund A ka 5Y return 15.05% hai, aur Fund B ka 0% hai, isliye Fund A long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
chaliye, Fund B ka volatility 14.35 hai, aur Sharpe ratio 1 hai, isliye higher risk worth nahi hai, haan returns bhi stable nahi hain.
Q3: Which fund is more cost‑effective?
dekho, Fund A ka expense ratio 0.75% hai, aur Fund B ka 1.68% hai, isliye Fund A more cost-effective hai, lekin exit load ke baare mein koi information nahi 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