HDFC Balanced Advantage Fund vs Nippon India Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
19.38%
dekho, aapke liye do funds hai, ek Hybrid aur ek Multi Cap, Fund A aur Fund B, dono ki category alag hai, lekin dono ki koshish long-term wealth creation ki hai, chaliye aapko bataate hai ki inme se kaunsa fund behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BNippon India Multi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Nippon India |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 327.56 |
| AUM (₹ Cr) | 10.54 Lac Cr | 5.26 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.84% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 14.38 |
| Sharpe Ratio | 0.93 | 0.9 |
| 1 Year Return (%) | -1.45% | 1.81% |
| 3 Year Return (%) | 14.5% | 19.38% |
| 5 Year Return (%) | 15.05% | 20.94% |
| Since Launch (%) | 13.14% | 15.99% |
| 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) | Amber Singhania; Kinjal Desai; Sailesh Raj Bhan (13.4 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. (6.16%), ICICI Bank Ltd. (4.1%), Axis Bank Ltd. (3.41%) |
| 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: 99.5% |
| Portfolio Turnover | 27% | 89% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return ke hisab se, Fund B behtar hai, 19.38% return mila hai, lekin risk bhi high hai, Moderately High risk wala Fund A bhi achha hai, expense ratio bhi thoda kam hai, 0.75% hai, sach ye hai ki dono funds ke apne fayde 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 Nippon India Multi Cap Fund?
- Expense ratio: 0.84%
- 3Y return: 19.38%
- AUM: 5.26 Lac Cr
- Sharpe Ratio: 0.9
📈 SIP Suitability
chaliye, SIP ke liye dekhein, to consistency aur return stability ke hisab se, Fund A thoda behtar hai, 8.58 volatility ke saath, 14.5% 3Y return mila hai, lekin Fund B bhi achha hai, 1.81% 1Y return ke saath.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se, Fund B ka risk Very High hai, volatility bhi 14.38 hai, lekin Sharpe ratio 0.9 hai, jo ki Fund A ke 0.93 ke karib hai, expense ratio mein Fund A thoda achha hai, 0.75% hai, Fund B ka 0.84% hai.
📊 Portfolio Diversification
haan, asset allocation ke hisab se, Fund A thoda diversified hai, equity 69.75% hai, aur GOI Sec, Debenture, NCD bhi hai, lekin Fund B ka 99.5% equity hai, top holdings mein HDFC Bank, ICICI Bank, Axis Bank hai, sector risk bhi hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Nippon India Multi Cap Fund
₹1836667.31
@19.4% 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?
Fund B ka 5Y return 20.94% hai, aur 3Y return 19.38% hai, isliye long run mein Fund B behtar hai.
Q2: Is the higher risk fund worth it?
Volatility 14.38 hai, lekin Sharpe ratio 0.9 hai, isliye risk-adjusted returns ke hisab se, higher risk fund worth it hai, lekin apne risk appetite ko dekhte hue faisla karein.
Q3: Which fund is more cost‑effective?
Expense ratio ke hisab se, Fund A ka 0.75% hai, aur Fund B ka 0.84% hai, to Fund A thoda cost-effective hai, lekin exit load N/A 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