HDFC Balanced Advantage Fund vs Sundaram Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
22.93%
dekho, humne do funds ki comparison ki hai, ek Hybrid aur ek Multi Cap, aur aage chaliye hum dekhege ki kaunsa fund long-term wealth creation ke liye better hai, aur kyu. readers ko yeh pata chalega ki kaunsa fund unke goals ke liye suitable hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BSundaram Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Sundaram Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 551.96 | 1431.56 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.65 Lac Cr |
| Expense Ratio (%) | 0.75% | 1.68% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 14.8 |
| Sharpe Ratio | 0.93 | 1.11 |
| 1 Year Return (%) | -1.45% | 6.91% |
| 3 Year Return (%) | 14.5% | 22.93% |
| 5 Year Return (%) | 15.05% | 19.07% |
| Since Launch (%) | 13.14% | 15.59% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | S. Krishnakumar (3.5 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%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 27% | 50% |
🤖 AI Verdict – Which is Better?
haan, Fund B ka 3Y return 22.93% hai, jo Fund A se zyada hai, lekin risk bhi zyada hai, Moderately High ki jagah Very High, aur expense ratio bhi zyada hai, 1.68% ki jagah 0.75%, isliye hum kehte hain ki Fund A 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 Sundaram Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 22.93%
- AUM: 1.65 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
chaliye, hum dekhte hain ki kaunsa fund SIP ke liye better hai, aur consistency aur return stability ko dekha jaye, to Fund A ka 3Y return 14.5% hai, jo stable hai, aur Fund B ka 22.93% hai, lekin risk bhi zyada hai, isliye hum kehte hain ki Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
sach ye hai ki riskometer, volatility, Sharpe ratio, aur expense ratio ko dekha jaye, to Fund A ka riskometer Moderately High hai, aur volatility 8.58 hai, jo Fund B se kam hai, aur Sharpe ratio 0.93 hai, jo Fund B se kam hai, lekin expense ratio 0.75% hai, jo Fund B se kam hai, isliye hum kehte hain ki Fund A better risk-adjusted returns deta hai.
📊 Portfolio Diversification
dekho, humne asset allocation aur top holdings concentration ki comparison ki hai, aur pata chala ki Fund A ka asset allocation zyada diversified hai, 69.75% equity, 7.48% GOI Sec, aur Fund B ka 97% equity hai, isliye hum kehte hain ki Fund A zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Sundaram Mutual Fund Multi Cap Fund
₹2318032.57
@22.9% 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?
haan, Fund B ka 5Y return 19.07% hai, aur 3Y return 22.93% hai, jo Fund A se zyada hai.
Q2: Is the higher risk fund worth it?
lekin, Fund B ka volatility 14.8 hai, jo Fund A se zyada hai, aur Sharpe ratio 1.11 hai, jo Fund A se zyada hai, isliye hum kehte hain ki higher risk fund worth it nahi hai.
Q3: Which fund is more cost‑effective?
sach ye hai ki Fund A ka expense ratio 0.75% hai, jo Fund B se kam hai, aur exit load N/A hai, isliye hum kehte hain ki Fund A zyada 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