HDFC Balanced Advantage Fund vs Tata Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
14.7%
dekho, aaj hum compare karenge do funds: HDFC Balanced Advantage Fund aur Tata Mutual Fund Large Cap Fund. Ek Hybrid category ka hai, dusra Large Cap ka. Hum yeh jaanenge ki kaunsa fund long-term wealth creation ke liye behtar hai aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BTata Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Tata Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 497.22 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.93 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 12.94 |
| Sharpe Ratio | 0.93 | 0.63 |
| 1 Year Return (%) | -1.45% | -4.02% |
| 3 Year Return (%) | 14.5% | 14.7% |
| 5 Year Return (%) | 15.05% | 12.03% |
| Since Launch (%) | 13.14% | 11.65% |
| 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) | Sonam Udasi (3.5 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 50 |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 27% | 32% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Tata Mutual Fund Large Cap Fund se thoda kam hai, lekin expense ratio 0.75% hai, jo thoda zyada hai. Lekin riskometer Moderately High hai, jo Very High se kam hai, isliye hum isko better maante hain.
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 Tata Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.93 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
Chaliye, SIP ke liye dekhte hain, to HDFC Balanced Advantage Fund ka consistency aur return stability thoda behtar hai, kyunki iska category Hybrid hai, jo risk ko kam kar sakta hai.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer aur volatility mein Tata Mutual Fund Large Cap Fund zyada hai, lekin Sharpe ratio HDFC Balanced Advantage Fund ka 0.93 hai, jo behtar hai. Expense ratio mein Tata Mutual Fund Large Cap Fund ka 0.52% hai, jo kam hai.
📊 Portfolio Diversification
Dekho, asset allocation mein HDFC Balanced Advantage Fund ka diversification behtar hai, kyunki ismein equity ke alawa GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur anya assets hain. Top holdings concentration mein bhi HDFC Balanced Advantage Fund thoda behtar hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Tata Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 Tata Mutual Fund Large Cap Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Nahin, higher risk fund ka Sharpe ratio 0.63 hai, jo HDFC Balanced Advantage Fund se kam hai, isliye higher risk worth nahi hai.
Q3: Which fund is more cost‑effective?
Tata Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jo HDFC Balanced Advantage Fund se kam hai, isliye yeh 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