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%
Chaliye, aaj hum do funds ki comparison karenge - HDFC Balanced Advantage Fund aur UTI Mutual Fund Large Cap Fund. Dekho, HDFC Balanced Advantage Fund Hybrid category ka hai, jabki UTI Mutual Fund Large Cap Fund Large Cap category ka hai. Is article mein hum in dono funds ki performance, risk, aur expenses ki comparison karenge, taaki aapko pata chale ki kaunsa fund aapke long-term wealth creation ke liye behtar 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, agar hum 3Y return, expense ratio, aur risk ko dekhen, to HDFC Balanced Advantage Fund thoda behtar lagta hai. Iska 3Y return 14.5% hai, jo UTI Mutual Fund Large Cap Fund ke 14.7% ke bare mein thoda kam hai, lekin iska expense ratio 0.75% hai, jo thoda zyada hai. Lekin, iska riskometer Moderately High hai, jo UTI Mutual Fund Large Cap Fund ke Very High risk 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 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
Dekho, agar aap monthly SIP ke liye fund search kar rahe hain, to HDFC Balanced Advantage Fund thoda behtar option ho sakta hai. Iska 3Y return consistent hai aur volatility bhi thodi kam hai, jo long-term SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Sach ye hai, risk aur cost analysis ke liye humein riskometer, volatility, Sharpe ratio, aur expense ratio dekhte hain. UTI Mutual Fund Large Cap Fund ka riskometer Very High hai, jabki HDFC Balanced Advantage Fund ka Moderately High hai. Volatility bhi UTI Mutual Fund Large Cap Fund mein zyada hai. Lekin, HDFC Balanced Advantage Fund ka expense ratio thoda zyada hai.
📊 Portfolio Diversification
Chaliye, ab hum asset allocation aur top holdings ki comparison karenge. HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, kyunki ismein equity ke alawa GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur anya assets bhi hain. UTI Mutual Fund Large Cap Fund ka asset allocation zyada equity-centric hai, jo sector risk ko badha sakti 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 ka 5Y return 15.05% hai, jo UTI Mutual Fund Large Cap Fund ke 12.03% se zyada hai.
Q2: Is the higher risk fund worth it?
Nahi, UTI Mutual Fund Large Cap Fund ka riskometer Very High hai, aur uska Sharpe ratio 0.7 hai, jo HDFC Balanced Advantage Fund ke 0.93 se kam 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 ke 0.75% se kam hai. Lekin, exit load ki information 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