HDFC Balanced Advantage Fund vs SBI Midcap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
15.45%
Hamare paas do funds hain, ek HDFC Balanced Advantage Fund - Direct Plan - Growth, jo ki Hybrid category mein aata hai, aur doosra SBI Midcap Fund - Direct Plan - Growth, jo ki Mid Cap category mein aata hai. Dekho, dono funds ke beech comparison karte hain, aur aapko pata chalega ki kaunsa fund aapke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BSBI Midcap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Hybrid | Mid Cap |
| NAV (₹) | 551.96 | 264.93 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.32 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.62% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 14.71 |
| Sharpe Ratio | 0.93 | 0.61 |
| 1 Year Return (%) | -1.45% | 1.71% |
| 3 Year Return (%) | 14.5% | 15.45% |
| 5 Year Return (%) | 15.05% | 16.58% |
| Since Launch (%) | 13.14% | 18.28% |
| 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) | Bhavin Vithlani; Pradeep Kesavan (2.5 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | Bharat Heavy Electricals Ltd. (3.79%), Torrent Power Ltd. (3.73%), Adani Energy Solutions Ltd. (3.49%) |
| 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: 93.08% | T-Bills: 1.19% | Futures: 0.29% |
| Portfolio Turnover | 27% | 33% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return ke hisab se, HDFC Balanced Advantage Fund better hai, lekin expense ratio ke mamle mein bhi yeh SBI Midcap Fund se kam hai. Risk ke mamle mein, HDFC fund ka riskometer Moderately High hai, jo ki SBI Midcap Fund ke Very High risk se kam hai. Sach ye hai, HDFC fund long-term wealth creation ke liye 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 Midcap Fund?
- Expense ratio: 1.62%
- 3Y return: 15.45%
- AUM: 2.32 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Chaliye, dono funds ke SIP suitability ko compare karte hain. HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo ki SBI Midcap Fund ke 15.45% se thoda kam hai. Lekin, HDFC fund ka volatility 8.58 hai, jo ki SBI Midcap Fund ke 14.71 se kam hai. Isliye, HDFC fund better hai for a monthly SIP for 10+ years.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, SBI Midcap Fund ka risk Very High hai, jo ki HDFC Balanced Advantage Fund ke Moderately High se zyada hai. Volatility ke mamle mein bhi, SBI Midcap Fund ka volatility 14.71 hai, jo ki HDFC fund ke 8.58 se zyada hai. Sharpe ratio ke hisab se, HDFC fund ka Sharpe ratio 0.93 hai, jo ki SBI Midcap Fund ke 0.61 se zyada hai. Isliye, HDFC fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Dekho, dono funds ke asset allocation ko compare karte hain. HDFC Balanced Advantage Fund ka asset allocation diversified hai, jismein Equity 69.75%, GOI Sec 7.48%, aur Debenture 6.09% hai. SBI Midcap Fund ka asset allocation bhi diversified hai, jismein Equity 93.08% hai. Top holdings ke mamle mein, HDFC fund ka top 3 holdings ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. hai, jo ki SBI Midcap Fund ke Bharat Heavy Electricals Ltd., Torrent Power Ltd., aur Adani Energy Solutions Ltd. se alag hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
SBI Midcap Fund
₹1432566.71
@15.4% 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 Midcap Fund ka 5Y return 16.58% hai, jo ki HDFC Balanced Advantage Fund ke 15.05% se zyada hai. Isliye, SBI Midcap Fund better returns deta hai in the long run.
Q2: Is the higher risk fund worth it?
Haan, SBI Midcap Fund ka higher risk worth it hai, kyunki iska Sharpe ratio 0.61 hai, jo ki HDFC Balanced Advantage Fund ke 0.93 se kam hai. Lekin, SBI Midcap Fund ka volatility 14.71 hai, jo ki HDFC fund ke 8.58 se zyada hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki SBI Midcap Fund ke 1.62% se kam hai. Isliye, HDFC fund more 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