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%
Hamare paas do funds hain, ek HDFC Balanced Advantage Fund aur doosra SBI ELSS Tax Saver Fund, jo ki alag categories mein aate hain. Dekho, in dono funds ki category, returns, aur risk ko compare karte hain, taaki aapko pata chal sake ki kaunsa fund aapke liye better 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, long-term wealth creation ke liye, humein 3Y return, expense ratio, aur risk ko dekhna hoga. SBI ELSS Tax Saver Fund ka 3Y return 19.98% hai, jo ki HDFC Balanced Advantage Fund se zyada hai, lekin risk bhi zyada hai. Lekin, HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki SBI ELSS Tax Saver Fund se kam hai. Sach ye hai, HDFC Balanced Advantage Fund moderately high risk ke saath better returns de raha 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 ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
Chaliye, monthly SIP ke liye dekhte hain. HDFC Balanced Advantage Fund ka consistency aur return stability SBI ELSS Tax Saver Fund se behtar hai, kyunki uska volatility 8.58 hai, jo ki SBI ELSS Tax Saver Fund se kam hai. Isliye, HDFC Balanced Advantage Fund better option hai 10+ years ke liye monthly SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ko compare karte hain. SBI ELSS Tax Saver Fund ka riskometer very high hai, aur volatility 15.53 hai, jo ki HDFC Balanced Advantage Fund se zyada hai. Lekin, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo ki SBI ELSS Tax Saver Fund se behtar hai. Isliye, HDFC Balanced Advantage Fund better risk-adjusted returns de raha hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko compare karte hain. HDFC Balanced Advantage Fund ka asset allocation diversified hai, kyunki usmein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur Bonds/Deb shamil hain. Lekin, SBI ELSS Tax Saver Fund ka asset allocation zyada equity mein invested hai, jo ki sector risk ko badhata hai. Isliye, 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 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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo ki SBI ELSS Tax Saver Fund ke 17.91% se kam hai, lekin 3Y return mein SBI ELSS Tax Saver Fund ka return 19.98% hai, jo ki HDFC Balanced Advantage Fund ke 14.5% se zyada hai.
Q2: Is the higher risk fund worth it?
Nahin, SBI ELSS Tax Saver Fund ka volatility 15.53 hai, jo ki HDFC Balanced Advantage Fund se zyada hai, aur Sharpe ratio 0.87 hai, jo ki HDFC Balanced Advantage Fund se kam hai. Isliye, higher risk fund worth nahin hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki SBI ELSS Tax Saver Fund ke 0.93% se kam hai. Isliye, HDFC Balanced Advantage 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