HDFC Balanced Advantage Fund vs PPFAS 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, aapko do funds ki comparison karni hai, jo ki HDFC Balanced Advantage Fund aur PPFAS Mutual Fund Multi Cap Fund hai, dono alag categories mein aate hai, Hybrid aur Multi Cap, chaliye aage badhte hai aur dekhte hai ki kaunsa fund aapke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BPPFAS Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | PPFAS Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 19.01 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.68% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 14.1 |
| Sharpe Ratio | 0.93 | 1.02 |
| 1 Year Return (%) | -1.45% | 5.23% |
| 3 Year Return (%) | 14.5% | 20.86% |
| 5 Year Return (%) | 15.05% | 14.84% |
| 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) | Rajeev Thakkar (3.5 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% | 41% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return aur expense ratio ke hisab se dekha jaye to HDFC Balanced Advantage Fund ki 3Y return 14.5% hai aur expense ratio 0.75% hai, jo ki PPFAS Mutual Fund Multi Cap Fund se kam hai, lekin risk bhi kam nahi hai, sach ye hai ki HDFC Balanced Advantage Fund ka riskometer Moderately High hai, isliye long-term wealth creation ke liye yeh fund 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 1.02
📈 SIP Suitability
chaliye, SIP ke liye dekhte hai, HDFC Balanced Advantage Fund ki consistency aur return stability better hai, kyunki iska riskometer Moderately High hai aur volatility 8.58 hai, jo ki PPFAS Mutual Fund Multi Cap Fund se kam hai, isliye yeh fund better hai SIP ke liye.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio, expense ratio sabhi cheezein compare karne par pata chalta hai ki HDFC Balanced Advantage Fund ka riskometer Moderately High hai aur Sharpe ratio 0.93 hai, jo ki PPFAS Mutual Fund Multi Cap Fund se better hai, isliye yeh fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Haan, asset allocation aur top holdings concentration ko dekha jaye to PPFAS Mutual Fund Multi Cap Fund ka asset allocation zyada concentrated hai, kyunki ismein 97% equity hai, lekin HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, ismein alag-alag asset classes mein investment hai, isliye yeh fund zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
PPFAS 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?
Answer based on 5Y/3Y returns, HDFC Balanced Advantage Fund ka 5Y return 15.05% hai aur 3Y return 14.5% hai, jo ki PPFAS Mutual Fund Multi Cap Fund se thoda kam hai, lekin consistency ke hisab se yeh fund better hai.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio, PPFAS Mutual Fund Multi Cap Fund ka volatility 14.1 hai aur Sharpe ratio 1.02 hai, jo ki HDFC Balanced Advantage Fund se zyada hai, lekin risk bhi zyada hai, isliye yeh fund worth nahi hai agar aap risk se jyada chintit hai.
Q3: Which fund is more cost‑effective?
Answer comparing expense ratio, HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki PPFAS Mutual Fund Multi Cap Fund se kam hai, isliye yeh 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