HDFC Balanced Advantage Fund vs PPFAS 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, ek Hybrid aur ek Large Cap, jo ki HDFC Balanced Advantage Fund aur PPFAS Mutual Fund Large Cap Fund hain. Chaliye, hum yeh samajhte hain ki inme se kaunsa fund aapke liye better hai, long-term wealth creation ke liye.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BPPFAS Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | PPFAS Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 497.22 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.44 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 12.07 |
| Sharpe Ratio | 0.93 | 0.68 |
| 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) | Rajeev Thakkar (3.5 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% | 24% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo ki PPFAS Mutual Fund Large Cap Fund se thoda better hai, aur expense ratio bhi thoda zyada hai, lekin risk bhi moderately high hai. Lekin overall, HDFC Balanced Advantage Fund long-term wealth creation ke liye better 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 PPFAS Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.44 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
Sach ye hai, dono funds monthly SIP ke liye suitable hain, lekin HDFC Balanced Advantage Fund ka return stability thoda better hai, isliye yeh fund 10+ years ke liye better hai.
⚠️ Risk & Cost Analysis
dekho, PPFAS Mutual Fund Large Cap Fund ka riskometer very high hai, aur volatility bhi zyada hai, lekin Sharpe ratio thoda kam hai. HDFC Balanced Advantage Fund ka risk-adjusted return better hai, isliye yeh fund risk-cost analysis ke hisab se better hai.
📊 Portfolio Diversification
Chaliye, hum asset allocation dekhein, HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, kyunki isme equity, debt, aur other assets hain. PPFAS Mutual Fund Large Cap Fund ka asset allocation zyada concentrated hai, sirf equity aur T-Bills mein.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
PPFAS 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 ki PPFAS Mutual Fund Large Cap Fund se better hai.
Q2: Is the higher risk fund worth it?
Nahin, PPFAS Mutual Fund Large Cap Fund ka volatility zyada hai, lekin Sharpe ratio thoda kam hai, isliye yeh fund higher risk ke hisab se worth nahi hai.
Q3: Which fund is more cost‑effective?
PPFAS Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jo ki HDFC Balanced Advantage Fund se kam hai, isliye yeh 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