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, hum do funds ki comparison karenge - HDFC Balanced Advantage Fund aur Navi Mutual Fund Large Cap Fund. yeh dono alag categories mein aate hain - Hybrid aur Large Cap. humein yeh dekhna hai ki kaunsa fund long-term wealth creation ke liye behtar hai, aur kyun. chaliye, shuru karte hain.
| 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, 3Y return ke hisab se HDFC Balanced Advantage Fund behtar hai, 14.5% return ke saath. iske alawa, iska expense ratio bhi thoda zyada hai, lekin risk bhi moderately high hai. Navi Mutual Fund Large Cap Fund ka riskometer very high hai, aur expense ratio thoda kam hai. sach ye hai ki 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
dekho, agar aap 10+ years ke liye monthly SIP karne ki soch rahe hain, toh HDFC Balanced Advantage Fund behtar hai. iska 3Y return consistent hai, aur risk bhi moderate hai. Navi Mutual Fund Large Cap Fund ka return thoda volatile hai, lekin agar aap long-term ke liye invested rahenge, toh yeh bhi ek achha option hai.
⚠️ Risk & Cost Analysis
chaliye, riskometer, volatility, Sharpe ratio, aur expense ratio ki comparison karte hain. HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility 8.58 hai. Navi Mutual Fund Large Cap Fund ka riskometer very high hai, aur volatility 12.72 hai. Sharpe ratio ke hisab se HDFC Balanced Advantage Fund behtar hai, 0.93 ke saath. expense ratio mein Navi Mutual Fund Large Cap Fund behtar hai, 0.52% ke saath.
📊 Portfolio Diversification
dekho, asset allocation aur top holdings concentration ki comparison karte hain. HDFC Balanced Advantage Fund ka asset allocation diversified hai, 69.75% equity, 7.48% GOI Sec, aur 6.09% debenture. Navi Mutual Fund Large Cap Fund ka asset allocation zyada equity-oriented hai, 96% equity. top holdings concentration mein HDFC Balanced Advantage Fund mein ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), aur Reliance Industries Ltd. (4.09%) hain. Navi Mutual Fund Large Cap Fund mein HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) hain.
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, aur 3Y return 14.5% hai. Navi Mutual Fund Large Cap Fund ka 5Y return 12.03% hai, aur 3Y return 14.7% hai. toh, HDFC Balanced Advantage Fund ka return thoda behtar hai.
Q2: Is the higher risk fund worth it?
Navi Mutual Fund Large Cap Fund ka riskometer very high hai, aur volatility 12.72 hai. lekin, Sharpe ratio ke hisab se HDFC Balanced Advantage Fund behtar hai, 0.93 ke saath. toh, higher risk fund worth it nahi hai, agar aap moderate risk ke liye tayar hain.
Q3: Which fund is more cost‑effective?
Navi Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, aur HDFC Balanced Advantage Fund ka expense ratio 0.75% hai. toh, Navi 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