HDFC Balanced Advantage Fund vs Navi 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 Navi Mutual Fund Large Cap Fund. yeh dono funds alag categories mein aate hain, ek hybrid aur doosra large cap. aage chaliye, hum dekhte hain ki kaunsa fund long-term wealth creation ke liye behtar hai, aur kyon.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BNavi Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Navi Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 497.22 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.51 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 12.72 |
| Sharpe Ratio | 0.93 | 0.64 |
| 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) | Sonam Udasi; Amey Sathe (9.2 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% | 30% |
🤖 AI Verdict – Which is Better?
haan, HDFC Balanced Advantage Fund 3Y return mein 14.5% ka return de raha hai, jo Navi Mutual Fund Large Cap Fund se thoda zyada hai. iske alawa, expense ratio bhi thoda zyada hai, lekin risk moderately high hai, jo Navi Mutual Fund Large Cap Fund ke very high risk se kam hai. sach ye hai, HDFC Balanced Advantage Fund 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 Navi Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.51 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
chaliye, hum dekhte hain ki kaunsa fund SIP ke liye behtar hai. HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Navi Mutual Fund Large Cap Fund ke 14.7% se thoda kam hai. lekin, consistency aur return stability ke maamle mein HDFC Balanced Advantage Fund behtar hai.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, aur Sharpe ratio ke maamle mein HDFC Balanced Advantage Fund behtar hai. iske alawa, expense ratio bhi thoda zyada hai, lekin risk-adjusted returns ke maamle mein HDFC Balanced Advantage Fund behtar hai. Navi Mutual Fund Large Cap Fund ka volatility 12.72 hai, jo HDFC Balanced Advantage Fund ke 8.58 se zyada 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. Navi Mutual Fund Large Cap Fund ka asset allocation zyada concentrated hai, jismein equity 96% hai. isliye, HDFC Balanced Advantage Fund ka portfolio diversification behtar hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Navi 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 ka 5Y return 15.05% hai, jo Navi Mutual Fund Large Cap Fund ke 12.03% se zyada hai.
Q2: Is the higher risk fund worth it?
nahi, Navi Mutual Fund Large Cap Fund ka volatility 12.72 hai, jo HDFC Balanced Advantage Fund ke 8.58 se zyada hai, lekin Sharpe ratio 0.64 hai, jo HDFC Balanced Advantage Fund ke 0.93 se kam hai.
Q3: Which fund is more cost‑effective?
Navi Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jo HDFC Balanced Advantage Fund ke 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