HDFC Balanced Advantage Fund vs SBI Blue Chip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
31.25%
dekho, yahaan hum do funds ki tulna karenge - HDFC Balanced Advantage Fund aur SBI Blue Chip Fund. Dono funds alag categories mein aate hain, ek hybrid aur doosra large cap. Chaliye, hum jaanen ki inmein se kaunsa fund aapke liye behtar hai aur aapko kya seekhne ko milega.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BSBI Blue Chip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 101.68 |
| AUM (₹ Cr) | 10.54 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.79% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 11.35 |
| Sharpe Ratio | 0.93 | 2.18 |
| 1 Year Return (%) | -1.45% | 9.84% |
| 3 Year Return (%) | 14.5% | 31.25% |
| 5 Year Return (%) | 15.05% | 25.25% |
| Since Launch (%) | 13.14% | 12.02% |
| 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) | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | BSE 100 Total Return Index |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) |
| 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: 97.26% | T-Bills: 0.78% |
| Portfolio Turnover | 27% | 8% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return ke hisab se SBI Blue Chip Fund behtar hai, lekin risk bhi zyada hai. Lekin, expense ratio aur risk ke hisab se HDFC Balanced Advantage Fund thoda behtar hai. Sach ye hai ki HDFC Balanced Advantage Fund long-term wealth creation ke liye behtar 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 SBI Blue Chip Fund?
- Expense ratio: 0.79%
- 3Y return: 31.25%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 2.18
📈 SIP Suitability
dekho, agar aap 10+ years ke liye monthly SIP kar rahe hain, to HDFC Balanced Advantage Fund behtar hai. Ismein consistency aur return stability dono acchi hai. Chaliye, is fund mein aap apna paisa daal sakte hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se HDFC Balanced Advantage Fund behtar hai. Ismein risk-adjusted returns acchi hai, aur expense ratio bhi kam hai. Haan, yeh fund risk aur cost ke maamle mein behtar hai.
📊 Portfolio Diversification
dekho, asset allocation aur top holdings concentration ke hisab se HDFC Balanced Advantage Fund zyada diversified hai. Ismein sector risk bhi kam hai. Chaliye, yeh fund portfolio diversification ke maamle mein behtar hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
SBI Blue Chip Fund
₹4110903.05
@31.3% 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?
SBI Blue Chip Fund ka 5Y return 25.25% hai, aur 3Y return 31.25% hai, jo ki HDFC Balanced Advantage Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Sharpe ratio ke hisab se SBI Blue Chip Fund ka ratio 2.18 hai, jo ki HDFC Balanced Advantage Fund se zyada hai, lekin volatility bhi zyada hai, isliye yeh fund higher risk ke liye worth nahi hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki SBI Blue Chip Fund ke 0.79% 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