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, Fund A HDFC Balanced Advantage Fund aur Fund B PPFAS Mutual Fund Multi Cap Fund, dono alag categories mein aate hain. Fund A Hybrid category mein hai, jabki Fund B Multi Cap category mein hai. chaliye, hum in dono funds ki tulna karte hain aur dekhte hain ki kaun sa fund aapke liye better hai. aap yahaan se jaanenge ki kaun sa fund long-term wealth creation ke liye accha 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 ke hisab se Fund B PPFAS Mutual Fund Multi Cap Fund 20.86% return deta hai, jo Fund A HDFC Balanced Advantage Fund 14.5% se zyada hai. lekin, Fund B ka expense ratio 1.68% hai, jo Fund A 0.75% se zyada hai. sach ye hai, Fund A ka riskometer Moderately High hai, jabki Fund B ka Very High hai. isliye, hum kahenge ki Fund B long-term wealth creation ke liye better hai, lekin risk bhi zyada 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 hum dekhte hain ki kaun sa fund consistent returns deta hai. Fund A HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jabki Fund B PPFAS Mutual Fund Multi Cap Fund ka 20.86% hai. dono funds mein consistency hai, lekin Fund B ka return zyada hai. isliye, hum kahenge ki Fund B SIP ke liye better hai.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se Fund B PPFAS Mutual Fund Multi Cap Fund ka risk Very High hai, jabki Fund A HDFC Balanced Advantage Fund ka Moderately High hai. volatility bhi Fund B mein 14.1 hai, jabki Fund A mein 8.58 hai. Sharpe ratio ke hisab se Fund B 1.02 hai, jabki Fund A 0.93 hai. expense ratio ke hisab se Fund A 0.75% hai, jabki Fund B 1.68% hai. isliye, hum kahenge ki Fund A risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
haan, asset allocation ke hisab se Fund A HDFC Balanced Advantage Fund mein equity 69.75% hai, jabki Fund B PPFAS Mutual Fund Multi Cap Fund mein equity 97% hai. top holdings ke hisab se Fund A mein ICICI Bank Ltd. 4.47% hai, jabki Fund B mein HDFC Bank Ltd. 6.5% hai. dono funds mein top holdings concentration hai, lekin Fund A mein zyada diversification 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?
haan, 5Y return ke hisab se Fund A HDFC Balanced Advantage Fund 15.05% return deta hai, jabki Fund B PPFAS Mutual Fund Multi Cap Fund 14.84% return deta hai. lekin, 3Y return ke hisab se Fund B 20.86% return deta hai, jo Fund A 14.5% se zyada hai.
Q2: Is the higher risk fund worth it?
sach ye hai, Fund B ka risk Very High hai, lekin Sharpe ratio 1.02 hai, jo Fund A 0.93 se zyada hai. isliye, hum kahenge ki higher risk fund worth it hai, lekin aapko apne risk appetite ke hisab se decision lena hoga.
Q3: Which fund is more cost‑effective?
dekho, expense ratio ke hisab se Fund A HDFC Balanced Advantage Fund 0.75% hai, jabki Fund B PPFAS Mutual Fund Multi Cap Fund 1.68% hai. isliye, hum kahenge ki Fund A 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