HDFC Balanced Advantage Fund vs Kotak Mahindra Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
12.82%
dekho, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur Kotak Mahindra Large Cap Fund. Dono funds alag categories mein aate hain, ek hybrid hai aur doosra large cap. Chaliye, hum dekhte hain ki kaunsa fund aapke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BKotak Mahindra Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Kotak Mahindra |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 635.60 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.81 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.36% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 11.32 |
| Sharpe Ratio | 0.93 | 0.56 |
| 1 Year Return (%) | -1.45% | -2.46% |
| 3 Year Return (%) | 14.5% | 12.82% |
| 5 Year Return (%) | 15.05% | 12.2% |
| Since Launch (%) | 13.14% | 13.87% |
| 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) | Harsha Upadhyaya (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% | 16% |
🤖 AI Verdict – Which is Better?
haan, 3Y return ke hisab se HDFC Balanced Advantage Fund behtar hai, kyunki uska return 14.5% hai. Iske alawa, iska expense ratio bhi kam hai, jo 0.75% hai. Lekin, risk bhi moderately high hai, jo 8.58 hai. Sach ye hai, long-term wealth creation ke liye HDFC Balanced Advantage Fund 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 Kotak Mahindra Large Cap Fund?
- Expense ratio: 1.36%
- 3Y return: 12.82%
- AUM: 3.81 Lac Cr
- Sharpe Ratio: 0.56
📈 SIP Suitability
chaliye, dekhte hain ki kaunsa fund SIP ke liye behtar hai. Dono funds ki consistency aur return stability dekhte hain. HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo ki Kotak Mahindra Large Cap Fund se zyada hai. Isliye, HDFC Balanced Advantage Fund SIP ke liye behtar 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, lekin Sharpe ratio 0.93 hai, jo ki Kotak Mahindra Large Cap Fund se behtar hai. Iske alawa, expense ratio bhi kam hai. Sach ye hai, HDFC Balanced Advantage Fund risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
haan, asset allocation aur top holdings concentration ki comparison karte hain. HDFC Balanced Advantage Fund ka asset allocation diversified hai, kyunki usmein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur anya investments hain. Lekin, Kotak Mahindra Large Cap Fund ka asset allocation zyada equity-oriented hai. Isliye, HDFC Balanced Advantage Fund zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Kotak Mahindra Large Cap Fund
₹1220113.26
@12.8% 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, jo ki Kotak Mahindra Large Cap Fund se zyada hai. Isliye, HDFC Balanced Advantage Fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
dekho, Kotak Mahindra Large Cap Fund ka riskometer very high hai, aur volatility 11.32 hai. Lekin, Sharpe ratio 0.56 hai, jo ki HDFC Balanced Advantage Fund se kam hai. Isliye, higher risk fund worth it nahi hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki Kotak Mahindra Large Cap Fund se kam hai. Isliye, HDFC Balanced Advantage Fund zyada 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