HDFC Balanced Advantage Fund vs UTI 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, aapko main do funds ke baare mein bataunga - HDFC Balanced Advantage Fund aur UTI Mutual Fund Large Cap Fund. Dono funds alag categories mein aate hain, ek hybrid hai aur dusra large cap. Chaliye, aapko yeh samajhne mein madad karunga ki kaunsa fund aapke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BUTI Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | UTI Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 551.96 | 497.22 |
| AUM (₹ Cr) | 10.54 Lac Cr | 2.00 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 8.58 | 11.79 |
| Sharpe Ratio | 0.93 | 0.7 |
| 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) | V. Srivatsa (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% | 21% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Balanced Advantage Fund 3Y return mein behtar hai, 14.5% ka return diya hai, aur expense ratio bhi thoda zyada hai, 0.75%. Lekin riskometer moderately high hai, jo UTI Mutual Fund Large Cap Fund se kam hai, jo very high riskometer hai. Isliye, long-term wealth creation ke liye HDFC Balanced Advantage Fund behtar 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 UTI Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.00 Lac Cr
- Sharpe Ratio: 0.7
📈 SIP Suitability
sach ye hai, dono funds SIP ke liye suitable hain, lekin HDFC Balanced Advantage Fund ki consistency aur return stability thodi behtar hai. Isliye, 10+ years ke liye monthly SIP ke liye HDFC Balanced Advantage Fund behtar hai.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio, aur expense ratio compare karte hain. HDFC Balanced Advantage Fund ka riskometer moderately high hai, volatility 8.58 hai, Sharpe ratio 0.93 hai, aur expense ratio 0.75% hai. UTI Mutual Fund Large Cap Fund ka riskometer very high hai, volatility 11.79 hai, Sharpe ratio 0.7 hai, aur expense ratio 0.52% hai. Isliye, HDFC Balanced Advantage Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
chaliye, asset allocation aur top holdings concentration compare karte hain. HDFC Balanced Advantage Fund ka asset allocation diversified hai, 69.75% equity, 7.48% GOI Sec, aur 6.09% debenture. UTI Mutual Fund Large Cap Fund ka asset allocation thoda concentrated hai, 96% equity. Isliye, HDFC Balanced Advantage Fund more diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
UTI 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 5Y return mein 15.05% ka return diya hai, jo UTI Mutual Fund Large Cap Fund se behtar hai, jo 12.03% ka return diya hai.
Q2: Is the higher risk fund worth it?
UTI Mutual Fund Large Cap Fund ka volatility 11.79 hai, jo HDFC Balanced Advantage Fund se zyada hai, jo 8.58 hai. Sharpe ratio bhi UTI Mutual Fund Large Cap Fund ka 0.7 hai, jo HDFC Balanced Advantage Fund se kam hai, jo 0.93 hai. Isliye, higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
UTI Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jo HDFC Balanced Advantage Fund se kam hai, jo 0.75% hai. Exit load N/A hai. Isliye, UTI Mutual Fund Large Cap 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