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, hum do alag-alag categories ke funds ki comparison kar rahe hain - HDFC Balanced Advantage Fund, jo hybrid category mein aata hai, aur SBI Debt Fund, jo debt category mein aata hai, chaliye dekhte hain ki kaun sa fund better hai. Is article mein hum long-term wealth creation ke liye dono funds ki performance compare karenge.
| 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, long-term wealth creation ke liye HDFC Balanced Advantage Fund better hai, kyunki uska 3Y return 14.5% hai, jo SBI Debt Fund ke 14.51% ke bahut karib hai, lekin riskometer moderately high hai, aur expense ratio 0.75% hai, jo SBI Debt Fund ke 0.71% se thoda zyada hai, sach ye hai ki dono funds ke returns ka difference bahut kam 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
SBI Debt Fund SIP ke liye better hai, kyunki debt funds generally stable returns dete hain, aur SBI Debt Fund ka 1Y return 4.95% hai, jo HDFC Balanced Advantage Fund ke -1.45% se bahut accha hai, chaliye SIP ke liye SBI Debt Fund ko chunte hain.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, SBI Debt Fund moderate risk ka hai, jabki HDFC Balanced Advantage Fund moderately high risk ka hai, lekin Sharpe ratio ke hisab se SBI Debt Fund ka 2.67 ka ratio HDFC Balanced Advantage Fund ke 0.93 se bahut accha hai, isliye SBI Debt Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
HDFC Balanced Advantage Fund ka asset allocation diversified hai, kyunki usmein equity, GOI sec, debenture, NCD, debt, SDL, REITs, bonds/NCD, CD, bonds/deb, sec debt, InvITs, FRB, Add Tier 1 Bond, FD, ZCB shamil hain, jabki SBI Debt Fund ka asset allocation debt-oriented hai, aur usmein debenture, SDL, T-Bills, GOI sec shamil hain, chaliye dekhte hain ki HDFC Balanced Advantage Fund ka portfolio zyada diversified 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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo SBI Debt Fund ke 12.09% se zyada hai, isliye HDFC Balanced Advantage Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka higher risk worth it hai, kyunki uska Sharpe ratio 0.93 hai, jo moderate hai, aur volatility 8.58 hai, jo moderately high hai, lekin returns bhi zyada hain.
Q3: Which fund is more cost‑effective?
SBI Debt Fund zyada cost-effective hai, kyunki uska expense ratio 0.71% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai, lekin exit load ki information N/A 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