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%
Dekho, aapke paas do fund options hain - HDFC Balanced Advantage Fund aur SBI Small Cap Fund. Dono alag categories mein aate hain, ek Hybrid hai aur doosra Small Cap. Chaliye, hum in dono funds ke baare mein detail mein jaante hain, taki aapko pata chale ki kaunsa fund aapke 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, long-term wealth creation ke liye, HDFC Balanced Advantage Fund behtar hai. Iska 3Y return 14.5% hai, jo SBI Small Cap Fund ke 13.45% se zyada hai. Expense ratio bhi kam hai, 0.75% ki jagah 0.82%. Risk bhi moderately high hai, jo very high 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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 13.45%
- AUM: 2.46 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
Lekin, agar aap 10+ saal ke liye monthly SIP karne ki soch rahe hain, to HDFC Balanced Advantage Fund behtar hai. Iska return stability zyada hai, aur consistency bhi achhi hai. Chaliye, is fund mein aap apna paisa daal sakte hain.
⚠️ Risk & Cost Analysis
Sach ye hai, SBI Small Cap Fund ka riskometer very high hai, aur volatility 17.83 hai. HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility 8.58 hai. Sharpe ratio bhi HDFC fund ka 0.93 hai, jo SBI fund ke 0.39 se zyada hai. Isliye, HDFC fund behtar risk-adjusted returns deta hai.
📊 Portfolio Diversification
Dekho, HDFC Balanced Advantage Fund ka asset allocation diversified hai, aur top holdings concentration kam hai. SBI Small Cap Fund ka asset allocation zyada equity mein hai, aur top holdings concentration zyada hai. Isliye, HDFC fund ka portfolio diversification behtar hai.
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. Isliye, HDFC fund behtar long-term returns deta hai.
Q2: Is the higher risk fund worth it?
Nahin, SBI Small Cap Fund ka higher risk worth nahi hai. Iska Sharpe ratio 0.39 hai, jo HDFC Balanced Advantage Fund ke 0.93 se kam hai. Isliye, HDFC fund behtar risk-adjusted returns deta 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. 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