HDFC Balanced Advantage Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
19.98%
Dekho, humne do funds compare kiye hain - HDFC Balanced Advantage Fund aur SBI ELSS Tax Saver Fund. Ek hybrid category ka hai, dusra ELSS category ka. Chaliye, hum yeh jaante hain ki inme se kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Hybrid | ELSS |
| NAV (₹) | 551.96 | 462.73 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.93% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 15.53 |
| Sharpe Ratio | 0.93 | 0.87 |
| 1 Year Return (%) | -1.45% | -1.1% |
| 3 Year Return (%) | 14.5% | 19.98% |
| 5 Year Return (%) | 15.05% | 17.91% |
| Since Launch (%) | 13.14% | 15.42% |
| 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) | Milind Agrawal (0.4 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 500 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank 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% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 27% | 37% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return, expense ratio, aur risk ke basis par, SBI ELSS Tax Saver Fund thoda behtar lagta hai. Iska 3Y return 19.98% hai, jo HDFC Balanced Advantage Fund se zyada hai. Lekin, risk bhi zyada hai, Moderately High ke bajaye Very High.
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 ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
Chaliye, SIP ke liye dekhte hain. HDFC Balanced Advantage Fund ka consistency thoda behtar hai, aur return stability bhi acchi hai. Isliye, yeh fund 10+ years ke SIP ke liye behtar ho sakta hai.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer, volatility, Sharpe ratio, aur expense ratio ke basis par, HDFC Balanced Advantage Fund ne behtar risk-adjusted returns diya hai. Iska Sharpe ratio 0.93 hai, jo SBI ELSS Tax Saver Fund se zyada hai.
📊 Portfolio Diversification
Dekho, asset allocation ke maamle me, HDFC Balanced Advantage Fund zyada diversified hai. Isme equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur Bonds/NCD shamil hain. SBI ELSS Tax Saver Fund me zyada equity hai, jo sector risk badhata hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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 ELSS Tax Saver Fund ka 5Y return 17.91% hai, jo HDFC Balanced Advantage Fund ke 15.05% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, SBI ELSS Tax Saver Fund ka Sharpe ratio 0.87 hai, jo HDFC Balanced Advantage Fund ke 0.93 se kam hai, lekin volatility bhi zyada hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo SBI ELSS Tax Saver Fund ke 0.93% 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