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, humne do funds ki comparison ki hai, HDFC Balanced Advantage Fund aur SBI Contra Fund, jo ki Hybrid aur Multi Cap categories mein aate hain. chaliye, padhte hain ki inmein se kaunsa fund aapke liye better 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?
haan, 3Y return, expense ratio, aur risk ko dekhte hue, SBI Contra Fund thoda better lagta hai, lekin humein ye bhi dekhna hai ki riskometer Moderately High se Very High tak badhta hai. sach ye hai ki HDFC Balanced Advantage Fund ka expense ratio thoda zyada hai, 0.75% versus 0.72%.
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
chaliye, SIP ke liye dekhte hain, to HDFC Balanced Advantage Fund ka consistency thoda better lagta hai, lekin SBI Contra Fund ka return stability bhi achha hai. dekho, dono funds mein 10+ years ke liye SIP kar sakte hain.
⚠️ Risk & Cost Analysis
dekho, riskometer aur volatility ko dekhte hue, SBI Contra Fund ka risk zyada hai, lekin Sharpe ratio thoda kam hai, 0.72 versus 0.93. haan, expense ratio mein thoda difference hai, 0.72% versus 0.75%.
📊 Portfolio Diversification
chaliye, portfolio diversification ko dekhte hain, to HDFC Balanced Advantage Fund ka asset allocation thoda zyada diversified hai, lekin SBI Contra Fund ka top holdings concentration thoda zyada hai. dekho, sector risk bhi ek important factor 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, aur 3Y return 16.36% hai, jo ki HDFC Balanced Advantage Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Volatility 13.7 hai, aur Sharpe ratio 0.72 hai, jo ki thoda kam hai, lekin returns bhi zyada hai, to haan, higher risk fund worth it ho sakta hai.
Q3: Which fund is more cost‑effective?
Expense ratio 0.72% versus 0.75% hai, to SBI Contra Fund thoda 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