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
12.44%
dekho, hum do funds ki comparison kar rahe hain - HDFC Balanced Advantage Fund aur SBI Blue Chip Fund. Ye dono funds alag categories mein aate hain, ek hybrid hai aur doosra large cap. Chaliye, humein ye dekhne ko milega ki kaunsa fund long-term wealth creation ke liye better hai, aur kyon.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BSBI Blue Chip Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 166.74 |
| AUM (₹ Cr) | 10.54 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.43% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 11.37 |
| Sharpe Ratio | 0.93 | 0.52 |
| 1 Year Return (%) | -1.45% | -0.75% |
| 3 Year Return (%) | 14.5% | 12.44% |
| 5 Year Return (%) | 15.05% | 13.47% |
| Since Launch (%) | 13.14% | 22.61% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 18 November 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 | Nifty 50 |
| 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, humne dono funds ki comparison ki hai aur pata chala ki HDFC Balanced Advantage Fund 3Y return mein behtar hai, expense ratio bhi kam hai, aur risk bhi moderately high hai. Isliye, humein lagta hai ki yeh 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 SBI Blue Chip Fund?
- Expense ratio: 1.43%
- 3Y return: 12.44%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.52
📈 SIP Suitability
dekho, agar aap monthly SIP ke liye fund dhundh rahe hain to HDFC Balanced Advantage Fund behtar hai kyunki iska 3Y return behtar hai aur consistency bhi achhi hai. Chaliye, is fund mein aap apna paisa invest kar sakte hain.
⚠️ Risk & Cost Analysis
lekin, risk aur cost analysis ke liye humne pata kiya ki SBI Blue Chip Fund ka riskometer very high hai aur volatility bhi zyada hai. Sharpe ratio bhi kam hai, jo ki risk-adjusted returns ko darshata hai. Isliye, humein lagta hai ki HDFC Balanced Advantage Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
sach ye hai ki HDFC Balanced Advantage Fund ka asset allocation behtar hai, kyunki ismein equity ke alawa bhi kai assets hain jaise ki GOI Sec, Debenture, NCD, aur bonds. Isse sector risk bhi kam hota hai. Chaliye, is fund ka portfolio diversification behtar hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
SBI Blue Chip Fund
₹1192614.40
@12.4% 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 SBI Blue Chip Fund se zyada hai. Isliye, yeh fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
Nahin, SBI Blue Chip Fund ka volatility 11.37 hai jo ki HDFC Balanced Advantage Fund se zyada hai, aur Sharpe ratio bhi kam hai. Isliye, yeh fund apne higher risk ke hisab se returns nahi deta.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki SBI Blue Chip Fund ke 1.43% 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