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, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur SBI Blue Chip Fund. Dono ki category alag hai, ek Hybrid hai aur doosra Large Cap. aage chaliye, hum dekhte hai ki kaunsa fund long-term wealth creation ke liye better hai.
| 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, expense ratio, aur risk ko dekhte hue, SBI Blue Chip Fund long-term wealth creation ke liye better lagta hai, lekin risk bhi zyada hai. HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo SBI Blue Chip Fund ke 31.25% se kaafi kam 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
sach ye hai, dono funds SIP ke liye suitable hai, lekin SBI Blue Chip Fund ka return stability aur consistency thoda zyada hai. HDFC Balanced Advantage Fund ka 1Y return -1.45% hai, jo negative hai.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ko dekhte hue, SBI Blue Chip Fund ka risk zyada hai, lekin Sharpe ratio 2.18 hai, jo HDFC Balanced Advantage Fund ke 0.93 se zyada hai. Expense ratio mein thoda difference hai, HDFC Balanced Advantage Fund ka 0.75% hai aur SBI Blue Chip Fund ka 0.79% hai.
📊 Portfolio Diversification
chaliye, asset allocation aur top holdings concentration dekhte hai. HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, equity 69.75% hai aur GOI Sec, Debenture, NCD, Debt, SDL, REITs, Bonds/NCD, CD, Bonds/Deb, Sec. Debt, InvITs, FRB, Add. Tier 1 Bond, FD, ZCB bhi hai. SBI Blue Chip Fund ka asset allocation zyada equity heavy hai, 97.26% equity 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, jo HDFC Balanced Advantage Fund ke 15.05% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, SBI Blue Chip Fund ka Sharpe ratio 2.18 hai, jo HDFC Balanced Advantage Fund ke 0.93 se zyada hai, isliye higher risk worth it hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo SBI Blue Chip Fund ke 0.79% se kam 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