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, aapke paas do fund options hain - HDFC Balanced Advantage Fund aur SBI Focused Fund. Dono alag categories mein aate hain, ek Hybrid aur doosra Multi Cap. Chaliye, aapko yeh samjhaate hain ki inmein se kaunsa fund aapke long-term wealth creation ke liye behtar 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 hisaab se HDFC Balanced Advantage Fund thoda behtar lagta hai. Iska 3Y return 14.5% hai, jo SBI Focused Fund se thoda kam hai, lekin expense ratio 0.75% hai, jo SBI Focused Fund ke 1.47% se kaafi kam hai. Sach ye hai ki risk bhi moderately high hai, jo SBI Focused Fund ke very high risk se thoda better 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
Chaliye, SIP ke liye dekhte hain. HDFC Balanced Advantage Fund ka 3Y return thoda stable hai, aur volatility bhi 8.58 hai, jo SBI Focused Fund ke 13.25 se kam hai. Isliye, HDFC Balanced Advantage Fund thoda behtar option lagta hai agar aap 10+ saal ke liye SIP kar rahe hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio dekhte hain. HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur Sharpe ratio 0.93 hai, jo SBI Focused Fund ke 0.88 se thoda better hai. Expense ratio bhi 0.75% hai, jo SBI Focused Fund ke 1.47% se kaafi kam hai. Isliye, HDFC Balanced Advantage Fund thoda behtar risk-adjusted returns deta hai.
📊 Portfolio Diversification
dekho, asset allocation aur top holdings concentration dekhte hain. HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, aur top holdings mein ICICI Bank, HDFC Bank, aur Reliance Industries hain. SBI Focused Fund ka asset allocation thoda less diversified hai, aur top holdings mein Alphabet Inc, State Bank of India, aur ICICI Bank hain. Isliye, HDFC Balanced Advantage Fund thoda more diversified lagta 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?
SBI Focused Fund ka 5Y return 15.02% hai, jo HDFC Balanced Advantage Fund ke 15.05% se thoda kam hai, lekin 3Y return 18.13% hai, jo HDFC Balanced Advantage Fund ke 14.5% se zyada hai.
Q2: Is the higher risk fund worth it?
Volatility 13.25 hai, jo HDFC Balanced Advantage Fund ke 8.58 se zyada hai, aur Sharpe ratio 0.88 hai, jo HDFC Balanced Advantage Fund ke 0.93 se thoda kam hai. Isliye, higher risk fund worth it nahi lagta hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo SBI Focused Fund ke 1.47% se kaafi kam hai. Exit load N/A hai, isliye sirf expense ratio dekha ja sakta 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