HDFC Balanced Advantage Fund vs SBI Contra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
16.36%
dekho, aapke liye do funds ka comparison kiya hai - HDFC Balanced Advantage Fund aur SBI Contra Fund. yeh dono funds alag categories mein aate hain, Hybrid aur Multi Cap. is article mein hum aapko bataayenge ki kaunsa fund long-term wealth creation ke liye behtar hai aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BSBI Contra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 408.51 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.72% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.7 |
| Sharpe Ratio | 0.93 | 0.72 |
| 1 Year Return (%) | -1.45% | -1.21% |
| 3 Year Return (%) | 14.5% | 16.36% |
| 5 Year Return (%) | 15.05% | 18.26% |
| Since Launch (%) | 13.14% | 15.48% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Dinesh Balachandran; Pradeep Kesavan (8.1 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. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) |
| 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: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% |
| Portfolio Turnover | 27% | 130% |
🤖 AI Verdict – Which is Better?
chaliye, 3Y return, expense ratio, aur risk ke basis par dekhein to HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo SBI Contra Fund ke 16.36% se kam hai, lekin expense ratio 0.75% hai, jo SBI Contra Fund ke 0.72% se thoda zyada hai. risk ke maamle mein HDFC Balanced Advantage Fund ka riskometer Moderately High hai, jabki SBI Contra Fund ka Very High hai. haan, iske basis par SBI Contra Fund thoda behtar lagta 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 Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
sach ye hai ki dono funds long-term SIP ke liye achhe hain, lekin consistency aur return stability ke maamle mein HDFC Balanced Advantage Fund thoda behtar lagta hai. iska 1Y return -1.45% hai, jo SBI Contra Fund ke -1.21% se thoda zyada hai, lekin 3Y return mein HDFC Balanced Advantage Fund ka return zyada stable hai.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ke basis par HDFC Balanced Advantage Fund ka riskometer Moderately High hai, jabki SBI Contra Fund ka Very High hai. volatility bhi HDFC Balanced Advantage Fund ka 8.58 hai, jo SBI Contra Fund ke 13.7 se kam hai. Sharpe ratio ke maamle mein HDFC Balanced Advantage Fund ka 0.93 hai, jo SBI Contra Fund ke 0.72 se zyada hai. iske basis par HDFC Balanced Advantage Fund behtar risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
chaliye, asset allocation aur top holdings concentration ke maamle mein dekhein to HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, kyunki ismein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur Bonds/NCD shamil hain. top holdings concentration ke maamle mein HDFC Balanced Advantage Fund ka top 3 holdings 13.7% hai, jabki SBI Contra Fund ka 15.08% hai. iske basis par HDFC Balanced Advantage Fund zyada diversified lagta hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
SBI Contra Fund
₹1516047.14
@16.4% 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?
SBI Contra Fund ka 5Y return 18.26% hai, jo HDFC Balanced Advantage Fund ke 15.05% se zyada hai, isliye SBI Contra Fund long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
haan, SBI Contra Fund ka higher risk worth hai, kyunki iska Sharpe ratio 0.72 hai, jo HDFC Balanced Advantage Fund ke 0.93 se kam hai, lekin iska return bhi zyada hai. lekin, yeh risk appetite par depend karta hai.
Q3: Which fund is more cost‑effective?
SBI Contra Fund ka expense ratio 0.72% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai, isliye SBI Contra Fund zyada 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