HDFC Flexi Cap Fund vs ICICI Prudential Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
12.2%
Dekho, humne do funds ki comparison ki hai - HDFC Flexi Cap Fund aur ICICI Prudential Balanced Advantage Fund. Dono funds alag categories mein aate hain, ek multi cap hai aur dusra hybrid. Aage chaliye, hum dekhenge ki kaunsa fund long-term wealth creation ke liye better hai, aur kaunsa fund SIP ke liye suitable hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BICICI Prudential Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Multi Cap | Hybrid |
| NAV (₹) | 1945.71 | 84.60 |
| AUM (₹ Cr) | 10.05 Lac Cr | 7.06 Lac Cr |
| Expense Ratio (%) | 0.67% | 1% |
| Riskometer | Very High | Moderately High |
| Volatility | 12.97 | 9.34 |
| Sharpe Ratio | 0.87 | 0.61 |
| 1 Year Return (%) | -0.81% | 4.35% |
| 3 Year Return (%) | 17.84% | 12.2% |
| 5 Year Return (%) | 17.6% | 11.25% |
| Since Launch (%) | 14.35% | 12.54% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | Equity: 68.12% | CD: 4.05% | REITs: 3.85% | SDL: 3.68% | GOI Sec: 3.07% | Debenture: 2.37% | T-Bills: 2.0% | NCD: 1.59% | Sec. Debt: 0.91% | Debt: 0.49% | InvITs: 0.32% | CP: 0.28% | ZCB: 0.23% | GOI FRB: 0.1% | Pref. Shares: 0.1% | ID: -0.59% | Futures: -3.84% |
| Portfolio Turnover | 26% | 451% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return ke hisab se HDFC Flexi Cap Fund better hai, lekin risk bhi very high hai. Lekin, expense ratio thoda kam hai, 0.67% ke comparison mein ICICI Prudential Balanced Advantage Fund ka 1% hai. Sach ye hai, HDFC Flexi Cap Fund long-term wealth creation ke liye better hai.
Why consider HDFC Flexi Cap Fund?
- Expense ratio: 0.67%
- 3Y return: 17.84%
- AUM: 10.05 Lac Cr
- Sharpe Ratio: 0.87
Why consider ICICI Prudential Balanced Advantage Fund?
- Expense ratio: 1%
- 3Y return: 12.2%
- AUM: 7.06 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Dekho, dono funds ke returns dekhe toh HDFC Flexi Cap Fund ka 3Y return 17.84% hai, aur ICICI Prudential Balanced Advantage Fund ka 12.2% hai. Lekin, consistency aur return stability ke hisab se ICICI Prudential Balanced Advantage Fund thoda better hai. Chaliye, hum yeh kehte hain ki ICICI Prudential Balanced Advantage Fund SIP ke liye suitable hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se HDFC Flexi Cap Fund very high risk hai, aur ICICI Prudential Balanced Advantage Fund moderately high risk hai. Volatility aur Sharpe ratio ke hisab se bhi HDFC Flexi Cap Fund thoda better hai. Lekin, expense ratio ke hisab se HDFC Flexi Cap Fund ka 0.67% ICICI Prudential Balanced Advantage Fund ke 1% se kam hai.
📊 Portfolio Diversification
Dekho, asset allocation ke hisab se HDFC Flexi Cap Fund ka 97% equity mein invest hai, aur ICICI Prudential Balanced Advantage Fund ka 68.12% equity mein invest hai. Top holdings ke hisab se bhi HDFC Flexi Cap Fund thoda concentrated hai. Sach ye hai, ICICI Prudential Balanced Advantage Fund more diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% 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 Flexi Cap Fund ka 5Y return 17.6% hai, aur 3Y return 17.84% hai, jo ICICI Prudential Balanced Advantage Fund se better hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Flexi Cap Fund ka volatility 12.97 hai, aur Sharpe ratio 0.87 hai, jo thoda better hai. Lekin, risk bhi very high hai, isliye investors ko apne risk appetite ke hisab se decision lena chahiye.
Q3: Which fund is more cost‑effective?
HDFC Flexi Cap Fund ka expense ratio 0.67% hai, jo ICICI Prudential Balanced Advantage Fund ke 1% se kam hai. Isliye, HDFC Flexi 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