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 - HDFC Balanced Advantage Fund aur LIC Mutual Fund Large Cap Fund. yeh dono funds alag categories mein aate hain, ek hybrid hai aur doosra large cap. hum aapko bataayenge ki inmein se kaunsa fund aapke long-term wealth creation ke liye behtar 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?
chaliye, hum dekhenge ki kaunsa fund long-term wealth creation ke liye behtar hai. 3Y return mein HDFC Balanced Advantage Fund ka return 14.5% hai, jabki LIC Mutual Fund Large Cap Fund ka return 14.7% hai. lekin, HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo LIC Mutual Fund Large Cap Fund ke 0.52% se zyada hai. risk ke maamle mein, HDFC Balanced Advantage Fund ka riskometer moderately high hai, jabki LIC Mutual Fund Large Cap Fund ka riskometer very high hai. sach ye hai ki HDFC Balanced Advantage Fund ka risk-adjusted return 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 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
haan, agar aap monthly SIP ke liye fund dhundh rahe hain, toh HDFC Balanced Advantage Fund behtar vikalp hai. ismein consistency aur return stability dono achhe hain. 3Y return mein HDFC Balanced Advantage Fund ka return 14.5% hai, jo ki LIC Mutual Fund Large Cap Fund ke 14.7% ke barabar hai. lekin, HDFC Balanced Advantage Fund ka volatility 8.58 hai, jo LIC Mutual Fund Large Cap Fund ke 11.93 se kam 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, jabki LIC Mutual Fund Large Cap Fund ka riskometer very high hai. volatility mein bhi HDFC Balanced Advantage Fund ka volatility 8.58 hai, jo LIC Mutual Fund Large Cap Fund ke 11.93 se kam hai. Sharpe ratio mein HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo LIC Mutual Fund Large Cap Fund ke 0.69 se zyada hai. expense ratio mein LIC Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai.
📊 Portfolio Diversification
chaliye, hum dekhenge ki kaunsa fund zyada diversified hai. HDFC Balanced Advantage Fund ka asset allocation mein equity 69.75% hai, GOI Sec 7.48% hai, debenture 6.09% hai, aur anya assets bhi hain. LIC Mutual Fund Large Cap Fund ka asset allocation mein equity 96% hai, aur T-Bills 4% hai. isse pata chalta hai ki HDFC Balanced Advantage Fund zyada diversified hai. top holdings mein bhi HDFC Balanced Advantage Fund ka concentration kam hai, jabki LIC Mutual Fund Large Cap Fund ka concentration zyada 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?
5Y return mein HDFC Balanced Advantage Fund ka return 15.05% hai, jabki LIC Mutual Fund Large Cap Fund ka return 12.03% hai. isse pata chalta hai ki HDFC Balanced Advantage Fund ka long-term return behtar hai.
Q2: Is the higher risk fund worth it?
volatility aur Sharpe ratio ki comparison karte hain. LIC Mutual Fund Large Cap Fund ka volatility 11.93 hai, jo HDFC Balanced Advantage Fund ke 8.58 se zyada hai. lekin, Sharpe ratio mein HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo LIC Mutual Fund Large Cap Fund ke 0.69 se zyada hai. isse pata chalta hai ki higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
expense ratio ki comparison karte hain. LIC Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai. isse pata chalta hai ki LIC Mutual Fund Large Cap 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