ICICI Prudential Balanced Advantage Fund vs Groww Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
20.86%
Aaj hum do mutual funds ke beech ki tareekh ka mukhyabandan karne ja rhe hain - ICICI Prudential Balanced Advantage Fund aur Groww Mutual Fund Multi Cap Fund. dekho, ye do funds alag-alag categories mein aate hain, lekin kya isse unke investment ke tareeke par prabhav padta hai? hum aapko iske sabse jyada achhi cheejein batayenge.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BGroww Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Groww Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 84.60 | 19.01 |
| AUM (₹ Cr) | 7.06 Lac Cr | 1.84 Lac Cr |
| Expense Ratio (%) | 1% | 1.68% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 12.95 |
| Sharpe Ratio | 0.61 | 1.11 |
| 1 Year Return (%) | 4.35% | 5.23% |
| 3 Year Return (%) | 12.2% | 20.86% |
| 5 Year Return (%) | 11.25% | 0.27% |
| Since Launch (%) | 12.54% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 451% | 26% |
🤖 AI Verdict – Which is Better?
Haan, ab dekhen. Fund B (Groww Mutual Fund Multi Cap Fund) aapke liye long-term wealth creation ke liye aisa fund hai jo aapke liye accha hai. Iska 3Y return 20.86% hai, jo Fund A (ICICI Prudential Balanced Advantage Fund) ka 3Y return 12.2% se bahut zyada hai. Iske alawa, Fund B ka expense ratio 1.68% hai, jo Fund A ka expense ratio 1% se zyada hai. lekin Fund B ka riskometer Very High hai, jiska matlab hai ki isme risk jyada hai. haan, isme risk hai, lekin Fund B ka potential long-term return bhi zyada 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 Groww Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.84 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
Haan, yeh fund konsa accha hai SIP ke liye? humke paas Fund A ki 3Y return hai 12.2%, jiska matalab hai ki yeh fund aapko jaldi se profit deta hai. lekin, Fund B ka 3Y return 20.86% hai. isliye, haan, Fund B accha hai SIP ke liye, kyunki yeh fund aapko bahut jyada return deta hai. lekin, yeh fund bhi bahut riski hai, isliye aapko iska risk bhi lete huye investment karna hoga.
⚠️ Risk & Cost Analysis
Haan, ab hum iske riskometer aur expense ratio ke baare mein sochenge. Fund A ka riskometer moderately high hai, lekin expense ratio yeh 1% hai, jo kam hai. Fund B ka riskometer very high hai, lekin expense ratio yeh 1.68% hai, jo zyada hai. isliye, Fund A accha hai kyonki yeh fund aapko jaldi se profit deta hai, aur iske expense bhi kam hain.
📊 Portfolio Diversification
Haan, ab hum iske asset allocation aur top holdings concentration ke baare mein sochenge. Fund A ka asset allocation balance hai, lekin iska top 3 holdings concentration 5.25% hai. Fund B ka asset allocation bhi balance hai, lekin iska top 3 holdings concentration 16.09% hai. isliye, Fund A accha hai kyonki yeh fund aapko jaldi se profit deta hai, aur iska asset allocation balance hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Groww Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Haan, Fund B accha hai kyonki yeh fund aapko bahut jyada return deta hai. Fund A ka 5Y return 11.25% hai, jiska matalab hai ki yeh fund aapko jaldi se profit deta hai, lekin Fund B ka 5Y return 0.27% hai. isliye, haan, Fund B accha hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka riskometer very high hai, lekin yeh fund aapko bahut jyada return deta hai. Fund A ka riskometer moderately high hai, lekin yeh fund aapko jaldi se profit deta hai. isliye, haan, Fund B accha hai kyonki yeh fund aapko bahut jyada return deta hai, lekin yeh fund bhi bahut riski hai.
Q3: Which fund is more cost-effective?
Haan, Fund A accha hai kyonki yeh fund aapko jaldi se profit deta hai, aur iske expense bhi kam hain. Fund B ka expense 1.68% hai, jo zyada hai. isliye, haan, Fund A accha hai kyonki yeh fund aapko jaldi se profit deta hai, aur iske expense bhi kam hain.
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