HDFC Balanced Advantage Fund vs Motilal Oswal Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
12.12%
dekho, aapke liye do funds compare karne ja rahe hain - HDFC Balanced Advantage Fund aur Motilal Oswal Large Cap Fund. Inmein se ek Hybrid category ka hai, aur dusra Large Cap category ka. Aap yahan seekhenge ki kaunsa fund long-term wealth creation ke liye behtar hai, aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BMotilal Oswal Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Motilal Oswal |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 13.56 |
| AUM (₹ Cr) | 10.54 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.82% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 12.29 |
| Sharpe Ratio | 0.93 | 0.46 |
| 1 Year Return (%) | -1.45% | -1.96% |
| 3 Year Return (%) | 14.5% | 12.12% |
| 5 Year Return (%) | 15.05% | 12.11% |
| Since Launch (%) | 13.14% | 14.83% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 12 February 2024 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Niket Shah (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 ko dekhte hue, HDFC Balanced Advantage Fund behtar lagta hai. Iska 3Y return 14.5% hai, jo Motilal Oswal Large Cap Fund se zyada hai. Saath hi, iska expense ratio 0.75% hai, jo thoda kam hai. Lekin, risk bhi moderately high hai, toh aapko apne risk appetite ke hisaab se decision lena hoga.
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 Motilal Oswal Large Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 12.12%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.46
📈 SIP Suitability
Chaliye, SIP ke liye dekhte hain. HDFC Balanced Advantage Fund ka consistency aur return stability thoda behtar hai, kyunki ismein asset allocation diversified hai. Isliye, yeh fund 10+ years ke liye monthly SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Sach ye hai, risk aur cost analysis bahut zaroori hai. HDFC Balanced Advantage Fund ka riskometer moderately high hai, lekin volatility 8.58 hai, jo Motilal Oswal Large Cap Fund se kam hai. Sharpe ratio bhi 0.93 hai, jo behtar hai. Expense ratio 0.75% hai, jo thoda kam hai. Isliye, HDFC Balanced Advantage Fund behtar risk-adjusted returns deta hai.
📊 Portfolio Diversification
Dekho, portfolio diversification bahut zaroori hai. HDFC Balanced Advantage Fund ka asset allocation diversified hai, kyunki ismein equity, debt, aur other assets hai. Top holdings concentration bhi thoda kam hai. Motilal Oswal Large Cap Fund ka asset allocation zyada equity-oriented hai, jo sector risk badhata hai. Isliye, HDFC Balanced Advantage Fund ka portfolio zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% 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 Motilal Oswal Large Cap Fund se zyada hai. Isliye, yeh fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
Motilal Oswal Large Cap Fund ka riskometer very high hai, lekin Sharpe ratio 0.46 hai, jo HDFC Balanced Advantage Fund se kam hai. Isliye, higher risk fund worth nahi hai, kyunki returns adjust risk ke hisaab se nahi hain.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo Motilal Oswal Large Cap Fund se kam hai. Isliye, yeh 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