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, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur SBI Blue Chip Fund. Category wise, pehla fund Hybrid hai aur dusra Large Cap hai. chaliye, aage padhte hai aur dekhte hai kaunsa fund aapke liye better hai long-term wealth creation ke liye.
| 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 lagta hai ki HDFC Balanced Advantage Fund 3Y return, expense ratio, aur risk ke mamle mein better hai. iska 3Y return 14.5% hai, jo SBI Blue Chip Fund se zyada hai. lekin, risk bhi moderately high hai, isliye investors ko apne risk appetite ke hisab se decision lena chahiye.
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
sach ye hai ki dono funds SIP ke liye suitable hain, lekin HDFC Balanced Advantage Fund ki consistency aur return stability thodi zyada hai. iska 5Y return 15.05% hai, jo SBI Blue Chip Fund se zyada hai. isliye, yeh fund 10+ years ke SIP ke liye better ho sakta hai.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se SBI Blue Chip Fund ka risk very high hai, jabki HDFC Balanced Advantage Fund ka risk moderately high hai. volatility bhi SBI Blue Chip Fund mein zyada hai. lekin, Sharpe ratio ke hisab se HDFC Balanced Advantage Fund better hai, kyunki uska Sharpe ratio 0.93 hai, jo SBI Blue Chip Fund ke 0.52 se zyada hai.
📊 Portfolio Diversification
chaliye, asset allocation ki baat karte hai. HDFC Balanced Advantage Fund ki asset allocation thodi zyada diversified hai, kyunki usmein equity ke alawa GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur anya assets bhi hain. SBI Blue Chip Fund ki asset allocation mein 97.26% equity hai, jo thodi zyada concentrated 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 SBI Blue Chip Fund ke 13.47% se zyada hai.
Q2: Is the higher risk fund worth it?
Nahin, SBI Blue Chip Fund ka risk very high hai aur uska Sharpe ratio bhi kam hai, isliye yeh fund zyada risky hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo SBI Blue Chip Fund ke 1.43% 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