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%
dekho, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur SBI Midcap Fund. Dono funds alag categories mein aate hain, ek Hybrid aur doosra Mid Cap. Is article mein, hum aapko bataayenge ki kaunsa fund long-term wealth creation ke liye behtar 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?
chaliye, hum verdict pe aate hain. 3Y return, expense ratio, aur risk ke basis par, HDFC Balanced Advantage Fund long-term wealth creation ke liye behtar hai. Is fund ka 3Y return 14.5% hai, jo SBI Midcap Fund se zyada hai, aur expense ratio 0.75% hai, jo SBI Midcap Fund se kam 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
haan, SIP ke liye bhi HDFC Balanced Advantage Fund behtar hai. Is fund ka return stability aur consistency zyada hai, jo 10+ years ke SIP ke liye zaroori hai.
⚠️ Risk & Cost Analysis
lekin, risk aur cost analysis ke liye, humne dekha ki SBI Midcap Fund ka riskometer Very High hai, aur volatility 14.71 hai. Iske ulat, HDFC Balanced Advantage Fund ka riskometer Moderately High hai, aur volatility 8.58 hai. Sharpe ratio ke basis par, HDFC Balanced Advantage Fund behtar risk-adjusted returns deta hai.
📊 Portfolio Diversification
sach ye hai, HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai. Is fund mein equity, GOI Sec, Debenture, NCD, Debt, aur anya assets hain. Top holdings concentration bhi kam hai, jo sector risk ko kam karta 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 HDFC Balanced Advantage Fund ke 15.05% se zyada hai.
Q2: Is the higher risk fund worth it?
Nahin, SBI Midcap Fund ka higher risk Sharpe ratio ke basis par justify nahi hota hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo SBI Midcap Fund ke 1.62% 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