HDFC Balanced Advantage Fund vs Nippon India Growth Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
25.15%
dekho, humne do funds ki comparison ki hai, ek Hybrid category ka HDFC Balanced Advantage Fund aur doosra Mid Cap category ka Nippon India Growth Mid Cap Fund, chaliye dekhte hain ki kaunsa fund aapke long-term wealth creation ke liye behtar hai, haan ismein humne returns, risk, aur expenses ko compare kiya hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BNippon India Growth Mid Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Nippon India |
| Category | Hybrid | Mid Cap |
| NAV (₹) | 551.96 | 4845.02 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.58 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.26% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 15.97 |
| Sharpe Ratio | 0.93 | 1.17 |
| 1 Year Return (%) | -1.45% | 10.17% |
| 3 Year Return (%) | 14.5% | 25.15% |
| 5 Year Return (%) | 15.05% | 22.32% |
| Since Launch (%) | 13.14% | 18.36% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Amber Singhania; Kinjal Desai; Rupesh Patel (8.0 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | BSE Ltd. (4.21%), Fortis Healthcare Ltd. (2.76%), The Federal Bank Ltd. (2.57%) |
| 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: 98.55% |
| Portfolio Turnover | 27% | 74% |
🤖 AI Verdict – Which is Better?
humare analysis ke mutabik, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Nippon India Growth Mid Cap Fund ke 25.15% se kam hai, lekin HDFC fund ka expense ratio 0.75% hai, jo Nippon fund ke 1.26% se kam hai, sach ye hai ki HDFC fund ka riskometer Moderately High hai, jo Nippon fund ke Very High se kam hai, isliye hum HDFC fund ko long-term wealth creation ke liye behtar maante hain.
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 Nippon India Growth Mid Cap Fund?
- Expense ratio: 1.26%
- 3Y return: 25.15%
- AUM: 4.58 Lac Cr
- Sharpe Ratio: 1.17
📈 SIP Suitability
dekho, agar aap 10+ years ke liye monthly SIP karna chahte hain, to hum Nippon India Growth Mid Cap Fund ko behtar maante hain, kyunki iska 1Y return 10.17% hai, jo HDFC Balanced Advantage Fund ke -1.45% se zyada hai, haan Nippon fund ka volatility zyada hai, lekin iska consistency bhi achha hai.
⚠️ Risk & Cost Analysis
chaliye, riskometer, volatility, Sharpe ratio, aur expense ratio ko compare karte hain, to dekhte hain ki Nippon India Growth Mid Cap Fund ka riskometer Very High hai, aur volatility 15.97 hai, jo HDFC Balanced Advantage Fund ke Moderately High aur 8.58 se zyada hai, lekin Nippon fund ka Sharpe ratio 1.17 hai, jo HDFC fund ke 0.93 se zyada hai, isliye hum kehte hain ki Nippon fund ka risk-adjusted return behtar hai.
📊 Portfolio Diversification
dekho, asset allocation ki baat karte hain, to HDFC Balanced Advantage Fund ka equity allocation 69.75% hai, aur GOI Sec, Debenture, NCD, Debt, SDL, REITs, Bonds/NCD, CD, Bonds/Deb, Sec. Debt, InvITs, FRB, Add. Tier 1 Bond, FD, ZCB jaise diversified investments hain, jo Nippon India Growth Mid Cap Fund ke 98.55% equity allocation se zyada diversified hai, haan Nippon fund ka top holdings concentration zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Nippon India Growth Mid Cap Fund
₹2691264.97
@25.1% 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?
Nippon India Growth Mid Cap Fund ka 5Y return 22.32% hai, jo HDFC Balanced Advantage Fund ke 15.05% se zyada hai, isliye hum kehte hain ki Nippon fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
haan, Nippon India Growth Mid Cap Fund ka higher risk worth it hai, kyunki iska Sharpe ratio 1.17 hai, jo HDFC Balanced Advantage Fund ke 0.93 se zyada hai, isliye hum kehte hain ki Nippon fund ka risk-adjusted return behtar hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo Nippon India Growth Mid Cap Fund ke 1.26% se kam hai, isliye hum kehte hain ki HDFC fund more 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