ICICI Prudential Balanced Advantage Fund vs Franklin Templeton Flexi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
14.63%
Haan, dekho, today we are comparing two popular mutual funds, Fund A - ICICI Prudential Balanced Advantage Fund and Fund B - Franklin Templeton Flexi Cap Fund. Fund A is a hybrid fund with a Moderately High risk profile, while Fund B is a Flexi Cap fund with a Very High risk profile. In this comparison, we will help you decide which fund is better for your long-term wealth creation goals.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BFranklin Templeton Flexi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Franklin Templeton |
| Category | Hybrid | Flexi Cap |
| NAV (₹) | 84.60 | 110.79 |
| AUM (₹ Cr) | 7.06 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 1% | 0.96% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 14.27 |
| Sharpe Ratio | 0.61 | 0.57 |
| 1 Year Return (%) | 4.35% | -2.38% |
| 3 Year Return (%) | 12.2% | 14.63% |
| 5 Year Return (%) | 11.25% | 12.31% |
| Since Launch (%) | 12.54% | 14.46% |
| 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) | Anand Radhakrishnan (3.5 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%) | HDFC Bank Ltd. (8.2%), ICICI Bank Ltd. (6.9%), Infosys Ltd. (5.5%) |
| 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: 95.00% | T-Bills: 5.00% |
| Portfolio Turnover | 451% | 48% |
🤖 AI Verdict – Which is Better?
Chaliye, let's evaluate the funds based on their 3Y return, expense ratio, and risk profile. Fund A has a 3Y return of 12.2% and an expense ratio of 1%, while Fund B has a 3Y return of 14.63% but an expense ratio of 0.96%. Considering the higher returns and lower expense ratio, Fund B seems like a better option. However, its Very High risk profile is a concern. Therefore, our verdict is that Fund B is better for long-term wealth creation, but investors should be cautious of its high risk.
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 Franklin Templeton Flexi Cap Fund?
- Expense ratio: 0.96%
- 3Y return: 14.63%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.57
📈 SIP Suitability
Lekin, dekho, for a monthly SIP of 10+ years, consistency and return stability are crucial. Fund A has a 1Y return of 4.35% and a 5Y return of 11.25%, while Fund B has a 1Y return of -2.38% and a 5Y return of 12.31%. Although Fund B has higher returns, its high volatility and negative 1Y return make it less suitable for a SIP of 10+ years. Fund A's moderate returns and stability make it a better option for a long-term SIP.
⚠️ Risk & Cost Analysis
Sach ye hai, risk and cost analysis is crucial for investing. Fund A has a Riskometer rating of Moderately High and a Sharpe ratio of 0.61, while Fund B has a Riskometer rating of Very High and a Sharpe ratio of 0.57. Fund A's expense ratio is 1%, while Fund B's expense ratio is 0.96%. Considering the risk and cost factors, Fund A seems to offer better risk-adjusted returns.
📊 Portfolio Diversification
Aasat allocation aur top holdings concentration ke hisab se hum dekhenge ki kis fund mein behtar diversification hai. Fund A ka Equity 68.12% hai, aur Debt 21.88% hai. Fund B ka Equity 95% hai, aur T-Bills 5%. Haan, Fund A ka Equity aur Debt dono mein upar waalon fund ke baahar hai. Lekin, Fund A ka top holdings concentration TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), aur HDFC Bank Ltd. (3.65%) hai, jo Fund B ka top holdings concentration HDFC Bank Ltd. (8.2%), ICICI Bank Ltd. (6.9%), aur Infosys Ltd. (5.5%) se kam hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Franklin Templeton Flexi Cap Fund
₹1361937.60
@14.6% 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 B ka 5Y return 12.31% hai, jiska mean Fund A ka 11.25% 5Y return se adhik hai. Lekin, Fund B ka 3Y return 14.63% hai, jiska mean Fund A ka 12.2% 3Y return se adhik hai. Haan, Fund A ka expense ratio 1% hai, jiska mean Fund B ka expense ratio 0.96% se adhik hai. Lekin, Fund B ka riskometer Very High hai, jiska mean Fund A ka Moderately High riskometer se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility 14.27 hai, jiska mean Fund A ka 9.34 volatility se adhik hai. Lekin, Fund A ka Sharpe ratio 0.61 hai, jiska mean Fund B ka 0.57 Sharpe ratio se adhik hai. Haan, Fund B ka expense ratio 0.96% hai, jiska mean Fund A ka expense ratio 1% se kam hai. Lekin, risk aur return ke balance ke liye Fund A behtar hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 1% hai, jiska mean Fund B ka expense ratio 0.96% se adhik hai. Haan, Fund A ka AUM 70551.44 Cr hai, jiska mean Fund B ka AUM 19049 Cr se adhik hai. Lekin, expense ratio ke hisab se Fund B behtar 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