HDFC Balanced Advantage Fund vs SBI Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
13.45%
Humne do alag-alag category ke funds ki comparison ki hai - Hybrid category ka HDFC Balanced Advantage Fund aur Small Cap category ka SBI Small Cap Fund. Dekho, in dono funds ke returns, risk, aur expense ratio ko compare karte hain, taaki aapko pata chale ki kaunsa fund aapke long-term wealth creation ke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BSBI Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Hybrid | Small Cap |
| NAV (₹) | 551.96 | 192.12 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.46 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.82% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 17.83 |
| Sharpe Ratio | 0.93 | 0.39 |
| 1 Year Return (%) | -1.45% | 0.06% |
| 3 Year Return (%) | 14.5% | 13.45% |
| 5 Year Return (%) | 15.05% | 14.57% |
| Since Launch (%) | 13.14% | 23.96% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 18 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | R. Srinivasan (10.2 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| 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: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 27% | 23% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Balanced Advantage Fund 3Y return mein 14.5% deta hai, jo SBI Small Cap Fund ke 13.45% se zyada hai. Expense ratio bhi thoda kam hai, 0.75% ki jagah 0.82%. Risk bhi moderately high hai, jo very high se kam hai. Isliye, humein lagta hai ki HDFC Balanced Advantage 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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 13.45%
- AUM: 2.46 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
Chaliye, SIP ke liye dekhte hain. HDFC Balanced Advantage Fund ka 3Y return thoda zyada hai, aur volatility bhi kam hai, 8.58 ki jagah 17.83. Isliye, yeh fund 10+ years ke SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Lekin, risk aur cost ki baat karte hain. HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur Sharpe ratio 0.93 hai. SBI Small Cap Fund ka riskometer very high hai, aur Sharpe ratio 0.39 hai. Isliye, HDFC Balanced Advantage Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Sach ye hai, HDFC Balanced Advantage Fund ka asset allocation thoda zyada diversified hai, 69.75% equity aur 30.25% other assets. SBI Small Cap Fund ka asset allocation 91% equity hai, jo thoda risky hai. Top holdings bhi HDFC Balanced Advantage Fund mein thoda zyada diversified hain.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
SBI Small Cap Fund
₹1267390.94
@13.4% 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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo SBI Small Cap Fund ke 14.57% se zyada hai.
Q2: Is the higher risk fund worth it?
Nahin, SBI Small Cap Fund ka volatility 17.83 hai, jo HDFC Balanced Advantage Fund ke 8.58 se zyada hai, aur Sharpe ratio bhi kam hai.
Q3: Which fund is more cost‑effective?
HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo SBI Small Cap Fund ke 0.82% se kam hai, lekin exit load N/A 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