HDFC Balanced Advantage Fund vs LIC Mutual Fund 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, ek Hybrid category ka HDFC Balanced Advantage Fund aur doosra Large Cap category ka LIC Mutual Fund Large Cap Fund. Chaliye, aage hum is comparison ko detail mein karte hain aur aapko bataate hain ki kaunsa fund aapke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BLIC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | LIC Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 497.22 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.22 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 11.93 |
| Sharpe Ratio | 0.93 | 0.69 |
| 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) | Yogesh Patil (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% | 22% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return ke hisaab se, HDFC Balanced Advantage Fund 14.5% return dega, jo LIC Mutual Fund Large Cap Fund 14.7% ke comparison mein thoda kam hai, lekin risk meter moderately high hai, jo LIC Mutual Fund Large Cap Fund ke very high risk se better hai. Expense ratio bhi 0.75% hai, jo LIC Mutual Fund Large Cap Fund 0.52% se zyada 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 LIC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.22 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
Dekho, dono funds SIP ke liye suitable hain, lekin HDFC Balanced Advantage Fund ka consistency thoda better hai. Chaliye, long term mein HDFC Balanced Advantage Fund better return dega.
⚠️ Risk & Cost Analysis
Sach ye hai, HDFC Balanced Advantage Fund ka riskometer moderately high hai, jo LIC Mutual Fund Large Cap Fund ke very high risk se better hai. Volatility bhi 8.58 hai, jo LIC Mutual Fund Large Cap Fund 11.93 se kam hai. Sharpe ratio 0.93 hai, jo LIC Mutual Fund Large Cap Fund 0.69 se better hai.
📊 Portfolio Diversification
Haan, HDFC Balanced Advantage Fund ka asset allocation diversified hai, jismein equity 69.75%, GOI Sec 7.48%, aur debenture 6.09% hai. LIC Mutual Fund Large Cap Fund ka asset allocation zyada equity mein invested hai, jismein 96% equity hai. Top holdings mein bhi HDFC Balanced Advantage Fund ka concentration kam hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
LIC Mutual Fund 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 5Y return 15.05% dega, jo LIC Mutual Fund Large Cap Fund 12.03% se better hai.
Q2: Is the higher risk fund worth it?
Nahi, higher risk fund ka Sharpe ratio 0.69 hai, jo HDFC Balanced Advantage Fund 0.93 se kam hai.
Q3: Which fund is more cost‑effective?
LIC Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jo HDFC Balanced Advantage Fund 0.75% se kam 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