ICICI Prudential Balanced Advantage Fund vs HDFC 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
16.22%
Ek baar phir hum aapko do fundon ke beech ka comparison karne ja rahe hain - ICICI Prudential Balanced Advantage Fund aur HDFC ELSS Tax Saver Fund. Dekho, yeh duniya ki sabse badi nivesh karyakram hain, aur hum aapko unke beech ka sabse achha fund batayenge. Is article mein, hum aapko in dono fundon ke beech ka comparison karne wale sabhi point jaankari pradan karenge. Chaliye shuru karein!
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HDFC Mutual Fund |
| Category | Hybrid | ELSS |
| NAV (₹) | 84.60 | 1325.00 |
| AUM (₹ Cr) | 7.06 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 1% | 1.24% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 13.3 |
| Sharpe Ratio | 0.61 | 0.73 |
| 1 Year Return (%) | 4.35% | -5.24% |
| 3 Year Return (%) | 12.2% | 16.22% |
| 5 Year Return (%) | 11.25% | 16.62% |
| Since Launch (%) | 12.54% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 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. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| 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: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 451% | 32% |
🤖 AI Verdict – Which is Better?
Hum aapko batate hain ki long-term vittiya utpadan ke liye kis fund se bhi achha hai. Isme hamne 3Y return, expense ratio, aur risk ko dekha hai. Haan, yeh sach hai ki HDFC ELSS Tax Saver Fund ka 3Y return 16.22% hai, lekin expense ratio bhi 1.24% hai, jo thoda adhik hai. Iske alawa, yeh fund riskometer ke hisab se bhi thoda zyada risky hai. Nisbat se, ICICI Prudential Balanced Advantage Fund ka 3Y return 12.2% hai, expense ratio 1% hai, aur riskometer bhi kam hai. Isliye, hum apne verdict mein ICICI Prudential Balanced Advantage Fund ko better fund batate hain.
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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Yeh sawal aapke man mein hai ki SIP ke liye kis fund se bhi achha hai. SIP ke liye humein consistency aur return stability ka dhyan rakhna hoga. Dekho, ICICI Prudential Balanced Advantage Fund ka 1Y, 3Y, aur 5Y return kam se kam hai. Iske alawa, yeh fund ke asset allocation mein bhi kam se kam exposure hai. Isliye, hum aapko bataate hain ki SIP ke liye ICICI Prudential Balanced Advantage Fund hi achha hai.
⚠️ Risk & Cost Analysis
Yeh sawal aapke man mein hai ki riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se kis fund se bhi achha hai. Dekho, HDFC ELSS Tax Saver Fund ka riskometer Very High hai, aur volatility bhi 13.3 hai. Iske alawa, expense ratio bhi 1.24% hai. Iske virod, ICICI Prudential Balanced Advantage Fund ka riskometer Moderately High hai, aur volatility 9.34 hai. Sharpe ratio bhi 0.61 hai, jo thoda kam hai. Isliye, hum aapko bataate hain ki ICICI Prudential Balanced Advantage Fund se bhi achha hai.
📊 Portfolio Diversification
Yeh sawal aapke man mein hai ki asset allocation aur top holdings concentration ke hisab se kis fund se bhi achha hai. Dekho, ICICI Prudential Balanced Advantage Fund ka asset allocation mein equity 68.12% hai, aur debt 31.88% hai. Iske alawa, yeh fund mein 17 asset class hain. Iske virod, HDFC ELSS Tax Saver Fund ka asset allocation mein equity 96.57% hai, aur debt 3.43% hai. Isliye, hum aapko bataate hain ki ICICI Prudential Balanced Advantage Fund se bhi achha hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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 ki HDFC ELSS Tax Saver Fund ka 5Y return 16.62% hai, lekin ICICI Prudential Balanced Advantage Fund ka 5Y return 11.25% hai, jo kam hai. Lekin, HDFC ELSS Tax Saver Fund ka expense ratio 1.24% hai, jo thoda adhik hai. Isliye, hum aapko bataate hain ki ICICI Prudential Balanced Advantage Fund se bhi achha hai.
Q2: Is the higher risk fund worth it?
Hum aapko bataate hain ki HDFC ELSS Tax Saver Fund ka riskometer Very High hai, aur volatility bhi 13.3 hai. Iske alawa, expense ratio bhi 1.24% hai. Isliye, hum aapko nahi khushkhwab dikhate hain ki yeh fund kam se kam risk lete hain. Isliye, ICICI Prudential Balanced Advantage Fund hi achha hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki HDFC ELSS Tax Saver Fund ka expense ratio 1.24% hai, aur ICICI Prudential Balanced Advantage Fund ka expense ratio 1% hai. Isliye, hum aapko bataate hain ki ICICI Prudential Balanced Advantage Fund se bhi achha 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