HDFC Balanced Advantage Fund vs SBI Focused Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
18.13%
dekho, Fund A, HDFC Balanced Advantage Fund, ek hybrid category ka fund hai, jabki Fund B, SBI Focused Fund, ek multi cap category ka fund hai. chaliye, yeh dono funds ko compare karte hain aur dekhte hain ki kaunsa fund long-term wealth creation ke liye behtar hai, aur kya unke risk aur returns ke beech balance hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BSBI Focused Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 432.21 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.47% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 13.25 |
| Sharpe Ratio | 0.93 | 0.88 |
| 1 Year Return (%) | -1.45% | 12.11% |
| 3 Year Return (%) | 14.5% | 18.13% |
| 5 Year Return (%) | 15.05% | 15.02% |
| Since Launch (%) | 13.14% | 15.63% |
| 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) | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 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%) | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) |
| 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: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% |
| Portfolio Turnover | 27% | 45% |
🤖 AI Verdict – Which is Better?
haan, 3Y return, expense ratio, aur risk ke basis par, Fund A HDFC Balanced Advantage Fund, ka expense ratio 0.75% hai, jo Fund B SBI Focused Fund ke 1.47% se kam hai. lekin, Fund B ka 3Y return 18.13% hai, jo Fund A ke 14.5% se zyada hai. sach ye hai, Fund A ka riskometer moderately high hai, jabki Fund B ka very high hai, isliye long-term wealth creation ke liye Fund A behtar ho sakta 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 Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
📈 SIP Suitability
dekho, dono funds ke 3Y return ache hain, lekin consistency aur return stability ke maamle me, Fund A HDFC Balanced Advantage Fund, ka 3Y return 14.5% hai, jo consistent hai. chaliye, agar aap 10+ years ke liye monthly SIP kar rahe hain, to Fund A behtar ho sakta hai.
⚠️ Risk & Cost Analysis
haan, riskometer, volatility, Sharpe ratio, aur expense ratio ke basis par, Fund A HDFC Balanced Advantage Fund, ka riskometer moderately high hai, volatility 8.58 hai, aur Sharpe ratio 0.93 hai. jabki Fund B SBI Focused Fund, ka riskometer very high hai, volatility 13.25 hai, aur Sharpe ratio 0.88 hai. isliye, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
dekho, asset allocation ke maamle me, Fund A HDFC Balanced Advantage Fund, ka equity allocation 69.75% hai, aur top holdings me ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), aur Reliance Industries Ltd. (4.09%) hain. jabki Fund B SBI Focused Fund, ka equity allocation 76.29% hai, aur top holdings me Alphabet Inc Class A (11.14%), State Bank of India (6.96%), aur ICICI Bank Ltd. (6.59%) hain. chaliye, dono funds me sector risk hai, lekin Fund A thoda zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
SBI Focused Fund
₹1695258.29
@18.1% 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 basis par, Fund A HDFC Balanced Advantage Fund, ka return 15.05% hai, jabki Fund B SBI Focused Fund, ka return 15.02% hai, to dono funds ke returns almost equal hain, lekin 3Y return ke basis par Fund B ka return 18.13% hai, jo Fund A ke 14.5% se zyada hai.
Q2: Is the higher risk fund worth it?
dekho, Fund B SBI Focused Fund, ka riskometer very high hai, aur volatility 13.25 hai, jo Fund A HDFC Balanced Advantage Fund, ke moderately high risk aur 8.58 volatility se zyada hai. lekin, Sharpe ratio ke basis par, Fund A ka Sharpe ratio 0.93 hai, jo Fund B ke 0.88 se zyada hai, isliye higher risk fund worth nahi ho sakta.
Q3: Which fund is more cost‑effective?
haan, expense ratio ke basis par, Fund A HDFC Balanced Advantage Fund, ka expense ratio 0.75% hai, jo Fund B SBI Focused Fund, ke 1.47% se kam hai, isliye Fund A 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