ICICI Prudential Balanced Advantage Fund vs Axis ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
11.66%
Chaliye dekho, do funds kya hain. Fund A, ICICI Prudential Balanced Advantage Fund, ek hybrid fund hai, jabki Fund B, Axis ELSS Tax Saver Fund, ek ELSS fund hai. Ye dono funds ki tareeka hai investment karne ke liye. Aaj hum dono funds ko dekhenge aur pata karenge ki kis fund mein investment karne se aapko better returns milega.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BAxis ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Axis Mutual Fund |
| Category | Hybrid | ELSS |
| NAV (₹) | 84.60 | 104.77 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.16 Lac Cr |
| Expense Ratio (%) | 1% | 1.66% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 13.4 |
| Sharpe Ratio | 0.61 | 0.39 |
| 1 Year Return (%) | 4.35% | -2.52% |
| 3 Year Return (%) | 12.2% | 11.66% |
| 5 Year Return (%) | 11.25% | 8.43% |
| Since Launch (%) | 12.54% | 15.62% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | Ashish Naik; Shreyash Devalkar (2.8 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 500 TRI |
| Top 3 Holdings | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) | ICICI Bank Ltd. (7.04%), HDFC Bank Ltd. (5.64%), Bharti Airtel Ltd. (4.32%) |
| Asset Allocation | 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% | Equity: 97.56% |
| Portfolio Turnover | 451% | 14% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A, ICICI Prudential Balanced Advantage Fund, long-term wealth creation ke liye better hai. Ye fund 3Y return mein 12.2% ka return de raha hai, jabki expense ratio 1% hai. Ye fund riskometer mein moderately high hai lekin expense ratio mein kam hai, jisse aapko better risk-adjusted returns milega. Fund B, Axis ELSS Tax Saver Fund, very high risk hai lekin expense ratio jyada hai, jisse aapko kam returns milega.
Why consider ICICI Prudential Balanced Advantage Fund?
- Expense ratio: 1%
- 3Y return: 12.2%
- AUM: 7.06 Lac Cr
- Sharpe Ratio: 0.61
Why consider Axis ELSS Tax Saver Fund?
- Expense ratio: 1.66%
- 3Y return: 11.66%
- AUM: 3.16 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
SIP Suitability ke liye, hamare paas data niyamit nahi hai, so humein Fund B ke 3Y return aur consistency ke liye wait karna padega. Fund A ka 5Y return 11.25% hai, jo Fund B ka 5Y return 8.43% se badhakar hai. Agar aapko 10+ saal ke liye SIP karni hai, to Fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye, Fund A ka riskometer moderately high hai aur volatility 9.34 hai, jabki Fund B ka riskometer very high hai aur volatility 13.4 hai. Sharpe ratio ke liye, Fund A ka Sharpe ratio 0.61 hai, jo Fund B ka Sharpe ratio 0.39 se badhakar hai. Expense ratio ke liye, Fund A ka expense ratio 1% hai, jo Fund B ka expense ratio 1.66% se kam hai. To Fund A better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Kya aapko pata hai Fund A aur Fund B ka portfolio kaisa hai? Fund A ka equity 68.12% hai, jabki Fund B ka equity 97.56% hai. Fund A ka asset allocation mein CD, REITs, SDL, GOI Sec, Debenture, T-Bills, NCD, Sec. Debt, Debt, InvITs, CP, ZCB, GOI FRB, Pref. Shares, ID, aur Futures shamil hain. Fund B ka asset allocation mein sirf equity aur debt shamil hai. Fund A ka portfolio diversified hai, lekin Fund B ka portfolio kam diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Axis ELSS Tax Saver Fund
₹1138461.04
@11.7% 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?
Fund A ka 5Y return 11.25% hai, jo Fund B ka 5Y return 8.43% se badhakar hai. To Fund A better returns deta hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke liye, Fund B kam accha hai. Fund A ka riskometer moderately high hai aur volatility 9.34 hai, jabki Fund B ka riskometer very high hai aur volatility 13.4 hai. To Fund A better hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 1% hai, jo Fund B ka expense ratio 1.66% se kam hai. To Fund A 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