HDFC Mid Cap Fund vs Aditya Birla Sun Life Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
22.29%
3Y Return
14.14%
Today, we're going to compare two popular mutual funds in India - HDFC Mid Cap Fund and Aditya Birla Sun Life Large Cap Fund. Dekho, these funds belong to different categories - mid cap and large cap. In this article, we'll help you decide which fund is better for long-term wealth creation. Chaliye, let's dive in!
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BAditya Birla Sun Life Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Aditya Birla Sun Life |
| Category | Mid Cap | Large Cap |
| NAV (₹) | 220.36 | 1009.42 |
| AUM (₹ Cr) | 9.47 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 17.17 | 12.61 |
| Sharpe Ratio | 0.92 | 0.61 |
| 1 Year Return (%) | 5.95% | 2.72% |
| 3 Year Return (%) | 22.29% | 14.14% |
| 5 Year Return (%) | 20.24% | 10.5% |
| Since Launch (%) | 17.1% | 14.49% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | Nifty Midcap 150 TRI | Nifty 50 |
| Top 3 Holdings | Max Financial Services Ltd. (4.37%), AU Small Finance Bank Ltd. (4.24%), The Federal Bank Ltd. (3.87%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Equity: 93.46% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 13% | 29% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, we need to look at 3Y return, expense ratio, and risk. Fund A (HDFC Mid Cap Fund) has a 3Y return of 22.29%, while Fund B (Aditya Birla Sun Life Large Cap Fund) has a 3Y return of 14.14%. Expense ratio-wise, Fund A is slightly higher at 0.73% compared to Fund B's 0.52%. Lekin, considering risk, both funds have a very high riskometer. Haan, in this case, we'll give a slight edge to Fund A due to its higher 3Y return.
Why consider HDFC Mid Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 22.29%
- AUM: 9.47 Lac Cr
- Sharpe Ratio: 0.92
Why consider Aditya Birla Sun Life Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.14%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
For a monthly SIP for 10+ years, we need to consider consistency and return stability. Fund A has a 1Y return of 5.95%, while Fund B has a 1Y return of 2.72%. Chaliye, let's look at the 5Y returns - Fund A has a 5Y return of 20.24%, while Fund B has a 5Y return of 10.5%. Considering this, Fund A seems more suitable for a long-term SIP.
⚠️ Risk & Cost Analysis
Now, let's compare riskometer, volatility, Sharpe ratio, and expense ratio. Fund A has a very high riskometer, while Fund B also has a very high riskometer. Volatility-wise, Fund A is slightly higher at 17.17 compared to Fund B's 12.61. Sharpe ratio-wise, Fund A has a 0.92 ratio, while Fund B has a 0.61 ratio. Expense ratio-wise, Fund B is lower at 0.52% compared to Fund A's 0.73%. Considering all these factors, Fund A offers better risk-adjusted returns.
📊 Portfolio Diversification
Now, let's compare asset allocation and top holdings concentration. Fund A has an equity allocation of 93.46%, while Fund B has an equity allocation of 96%. Dekho, Fund A has a slightly more diversified portfolio with a T-Bills allocation of 0% compared to Fund B's 4%. Top holdings concentration-wise, both funds have a high concentration in their top holdings. Lekin, Fund A's top holdings are more evenly distributed.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
Aditya Birla Sun Life Large Cap Fund
₹1321695.07
@14.1% 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?
Answer based on 5Y/3Y returns. Fund A (HDFC Mid Cap Fund) has a 5Y return of 20.24% and a 3Y return of 22.29%, while Fund B (Aditya Birla Sun Life Large Cap Fund) has a 5Y return of 10.5% and a 3Y return of 14.14%. Considering these returns, Fund A seems to give better returns in the long run.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund A (HDFC Mid Cap Fund) has a volatility of 17.17 and a Sharpe ratio of 0.92, while Fund B (Aditya Birla Sun Life Large Cap Fund) has a volatility of 12.61 and a Sharpe ratio of 0.61. Considering these factors, Fund A may be worth it for its higher returns, but it also comes with higher risk.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load (if provided). Fund B (Aditya Birla Sun Life Large Cap Fund) has an expense ratio of 0.52%, while Fund A (HDFC Mid Cap Fund) has an expense ratio of 0.73%. Considering expense ratio, Fund B is more cost-effective than Fund A.
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