HDFC Balanced Advantage Fund vs Navi Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
20.86%
dekho, aapke liye do funds compare karne ja rahe hain - HDFC Balanced Advantage Fund aur Navi Mutual Fund Multi Cap Fund. ye dono funds alag categories mein aate hain, ek Hybrid aur doosra Multi Cap. aapko yeh jaanne mein madad milegi ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BNavi Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Navi Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 19.01 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.81 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.68% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 15 |
| Sharpe Ratio | 0.93 | 0.96 |
| 1 Year Return (%) | -1.45% | 5.23% |
| 3 Year Return (%) | 14.5% | 20.86% |
| 5 Year Return (%) | 15.05% | 11.52% |
| Since Launch (%) | 13.14% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 27% | 52% |
🤖 AI Verdict – Which is Better?
haan, 3Y return, expense ratio, aur risk ke basis par dekha jaye to HDFC Balanced Advantage Fund behtar hai. iska 3Y return 14.5% hai, jo Navi Mutual Fund Multi Cap Fund se zyada hai. saath hi, iska expense ratio 0.75% hai, jo Navi Mutual Fund Multi Cap Fund ke 1.68% se kaafi kam 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.81 Lac Cr
- Sharpe Ratio: 0.96
📈 SIP Suitability
chaliye, SIP ke liye dekha jaye to HDFC Balanced Advantage Fund behtar hai. iska 3Y return stable hai aur volatility bhi kam hai. lekin, Navi Mutual Fund Multi Cap Fund ka 1Y return 5.23% hai, jo HDFC Balanced Advantage Fund se zyada hai.
⚠️ Risk & Cost Analysis
sach ye hai ki Navi Mutual Fund Multi Cap Fund ka riskometer Very High hai, jabki HDFC Balanced Advantage Fund ka Moderately High hai. volatility aur Sharpe ratio ke basis par bhi HDFC Balanced Advantage Fund behtar hai. iska expense ratio bhi kam hai.
📊 Portfolio Diversification
dekho, asset allocation ke basis par HDFC Balanced Advantage Fund zyada diversified hai. ismein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur anya assets hain. Navi Mutual Fund Multi Cap Fund mein mostly equity hai, jo sector risk badhata hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Navi Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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 Multi Cap Fund ke 11.52% se zyada hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke basis par HDFC Balanced Advantage Fund behtar hai, isliye higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo Navi Mutual Fund Multi Cap Fund ke 1.68% se kaafi 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