ICICI Prudential Balanced Advantage Fund vs Bandhan Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
14.7%
Chaliye dekho, hum aaj do fundon ke beech ka tark lekar dekhenge. Fund A ICICI Prudential Balanced Advantage Fund Direct Plan Growth hai aur Fund B Bandhan Mutual Fund Large Cap Fund Direct Plan Growth. Sabse pehle, hum unki category aur fund ke beech ka comparison karke shuru karenge. Fund A Hybrid category mein hai aur Fund B Large Cap category mein. Hum jante hain ki Fund B mein jyada risk hai, lekin hum dekhegi ki kya fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BBandhan Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Bandhan Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 497.22 |
| AUM (₹ Cr) | 7.06 Lac Cr | 2.04 Lac Cr |
| Expense Ratio (%) | 1% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 12.11 |
| Sharpe Ratio | 0.61 | 0.68 |
| 1 Year Return (%) | 4.35% | -4.02% |
| 3 Year Return (%) | 12.2% | 14.7% |
| 5 Year Return (%) | 11.25% | 12.03% |
| Since Launch (%) | 12.54% | 11.65% |
| 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) | Manish Gunwani (3.5 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 50 |
| Top 3 Holdings | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 451% | 24% |
🤖 AI Verdict – Which is Better?
Sach ye hai, humaray liye Fund A better hai long-term wealth creation ke liye. 3Y return mein Fund A 12.2% hai aur Fund B 14.7% hai. Lekin expense ratio mein Fund A 1% hai aur Fund B 0.52% hai. Riskometer mein Fund A Moderately High hai aur Fund B Very High hai. Haan, Fund B mein jyada risk hai, lekin expense ratio Fund A ko behtar banati hai.
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 Bandhan Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.04 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye Fund B behtar hai. Fund B ki consistency aur return stability bahut acchi hai. Fund A ki consistency thodi kam hai, lekin expense ratio Fund A ko behtar banati hai. Haan, Fund B mein jyada risk hai, lekin humein lagta hai ki Fund B ki consistency aur return stability Fund A ko behtar banati hai.
⚠️ Risk & Cost Analysis
Riskometer mein Fund B Very High hai aur Fund A Moderately High hai. Volatility mein Fund B 12.11 hai aur Fund A 9.34 hai. Sharpe ratio mein Fund B 0.68 hai aur Fund A 0.61 hai. Expense ratio mein Fund B 0.52% hai aur Fund A 1% hai. Haan, Fund B mein jyada risk hai, lekin Sharpe ratio Fund B ko behtar banati hai.
📊 Portfolio Diversification
Fund A ki asset allocation bahut acchi hai. Equity mein 68.12% hai, CD mein 4.05% hai, aur REITs mein 3.85% hai. Fund B ki asset allocation thodi kam hai. Equity mein 96% hai aur T-Bills mein 4% hai. Haan, Fund A ki asset allocation Fund B ko behtar banati hai. Fund A ki top holdings mein TVS Motor Company Ltd. 5.25% hai, ICICI Bank Ltd. 3.97% hai, aur HDFC Bank Ltd. 3.65% hai. Fund B ki top holdings mein HDFC Bank Ltd. 8.5% hai, ICICI Bank Ltd. 7.8% hai, aur Reliance Industries Ltd. 6.9% hai. Haan, Fund A ki top holdings Fund B ko behtar banati hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Bandhan 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?
Sach ye hai, Fund A ki 5Y aur 3Y returns Fund B se behtar hai. Fund A ki 5Y return 11.25% hai aur Fund B ki 5Y return 12.03% hai. Fund B ki 3Y return 14.7% hai, lekin Fund A ki 3Y return 12.2% hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk Fund A ke behtar returns ke liye theek hai. Fund B ki volatility 12.11 hai, lekin Fund A ki volatility 9.34 hai. Sharpe ratio mein Fund B 0.68 hai, lekin Fund A 0.61 hai. Haan, Fund B ka higher risk Fund A ke behtar returns ke liye theek hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B cost-effective hai Fund A ke liye. Fund B ka expense ratio 0.52% hai, lekin Fund A ka expense ratio 1% hai. Haan, Fund B ka expense ratio Fund A ke behtar returns ke liye theek 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