HDFC Balanced Advantage Fund vs SBI Debt Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
14.51%
dekho, humne do funds ki comparison ki hai, ek Hybrid category ka Fund A - HDFC Balanced Advantage Fund, aur doosra Debt category ka Fund B - SBI Debt Fund. Chaliye, hum dekhte hain ki inme se kaunsa fund long-term wealth creation ke liye better hai, aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BSBI Debt Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Hybrid | Debt |
| NAV (₹) | 551.96 | 13.73 |
| AUM (₹ Cr) | 10.54 Lac Cr | 8.34 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.71% |
| Riskometer | Moderately High | Moderate |
| Volatility | 8.58 | 3 |
| Sharpe Ratio | 0.93 | 2.67 |
| 1 Year Return (%) | -1.45% | 4.95% |
| 3 Year Return (%) | 14.5% | 14.51% |
| 5 Year Return (%) | 15.05% | 12.09% |
| Since Launch (%) | 13.14% | N/A |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 9 April 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | CRISIL Composite Bond Fund Index |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%) |
| 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% | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% |
| Portfolio Turnover | 27% | 150% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return ke hisab se, Fund A aur Fund B dono ki returns almost barabar hai, lekin Fund A ka expense ratio thoda zyada hai. Lekin, risk ke hisab se, Fund A ka riskometer Moderately High hai, jabki Fund B ka Moderate hai. Sach ye hai, Fund A long-term wealth creation ke liye better hai, kyunki uska 5Y return 15.05% 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 Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
📈 SIP Suitability
Chaliye, SIP ke liye dekhte hain, Fund A aur Fund B mein se kaunsa better hai. Dekho, consistency aur return stability ke hisab se, Fund B thoda better hai, kyunki uska 1Y return 4.95% hai, aur volatility bhi kam hai.
⚠️ Risk & Cost Analysis
Lekin, risk aur cost analysis ke hisab se, Fund B ka riskometer Moderate hai, aur volatility bhi kam hai, 3%. Sharpe ratio bhi 2.67 hai, jo ki Fund A se zyada hai. Expense ratio ke hisab se, dono funds ke expense ratio almost barabar hai, 0.75% aur 0.71%.
📊 Portfolio Diversification
Dekho, portfolio diversification ke hisab se, Fund A ka asset allocation thoda zyada diversified hai, kyunki usme 69.75% equity hai, aur top holdings mein ICICI Bank, HDFC Bank, aur Reliance Industries hai. Fund B ka asset allocation bhi diversified hai, lekin thoda limited hai, kyunki usme 40% debenture hai, aur top holdings mein National Bank For Agriculture And Rural Development, Power Finance Corporation, aur Rural Electrification Corporation hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
SBI Debt Fund
₹1351949.82
@14.5% 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?
Haan, 5Y return ke hisab se, Fund A ka return 15.05% hai, jo ki Fund B se zyada hai, 12.09%.
Q2: Is the higher risk fund worth it?
Lekin, volatility aur Sharpe ratio ke hisab se, Fund B ka risk kam hai, aur Sharpe ratio zyada hai, 2.67, jo ki Fund A se zyada hai, 0.93.
Q3: Which fund is more cost‑effective?
Haan, expense ratio ke hisab se, Fund B ka expense ratio 0.71% hai, jo ki Fund A se thoda kam hai, 0.75%.
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