ICICI Prudential Balanced Advantage Fund vs HDFC Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
15.78%
Chaliye dekho, aaj hum do funds ka compare karenge, jo ki hybrid aur small cap category mein aate hain. Fund A, ICICI Prudential Balanced Advantage Fund Direct Plan Growth hai, jiska riskometer moderately high hai. Fund B, HDFC Small Cap Fund Direct Plan Growth hai, jiska riskometer very high hai. Aaj hum yeh jaanne ka prayaas karenge ki kis fund mein long-term wealth creation ke liye investment karna chahiye.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BHDFC Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HDFC Mutual Fund |
| Category | Hybrid | Small Cap |
| NAV (₹) | 84.60 | 152.64 |
| AUM (₹ Cr) | 7.06 Lac Cr | 3.82 Lac Cr |
| Expense Ratio (%) | 1% | 0.73% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 16.9 |
| Sharpe Ratio | 0.61 | 0.55 |
| 1 Year Return (%) | 4.35% | 0.2% |
| 3 Year Return (%) | 12.2% | 15.78% |
| 5 Year Return (%) | 11.25% | 18.08% |
| Since Launch (%) | 12.54% | 18.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 30 June 2014 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | Chirag Setalvad; Dhruv Muchhal (11.9 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) | Aster DM Healthcare Ltd. (4.42%), Bank Of Baroda (3.23%), Firstsource Solutions Ltd. (3.17%) |
| 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: 90.45% |
| Portfolio Turnover | 451% | 6% |
🤖 AI Verdict – Which is Better?
Hum aaj yeh verdict dene ja rahe hain ki kis fund mein long-term wealth creation ke liye investment karna chahiye. Dekho, Fund A ka 3Y return 12.2% hai, jisaki expense ratio 1% hai. Fund B ka 3Y return 15.78% hai, lekin expense ratio 0.73% hai. Haan, Fund B ka riskometer very high hai, lekin yeh risk-adjusted return ke liye accha hai. Sach ye hai, Fund B kai aise assets mein investment karta hai jo Fund A ke liye nahi hai, isliye yeh fund long-term wealth creation ke liye accha 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 HDFC Small Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 15.78%
- AUM: 3.82 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
Ab hum yeh jaanne ka prayaas karenge ki kis fund mein ek monthly SIP ke liye investment karna chahiye. Dekho, Fund A ka 1Y return 4.35% hai, jisaki consistency aur return stability ke liye accha hai. Fund B ka 1Y return 0.2% hai, lekin yeh fund long-term wealth creation ke liye accha hai. Haan, Fund A ka asset allocation thoda behtar hai, lekin Fund B ka riskometer very high hai. Sach ye hai, Fund A ek stable long-term wealth creation ke liye accha hai.
⚠️ Risk & Cost Analysis
Ab hum yeh jaanne ka prayaas karenge ki kis fund mein riskometer aur expense ratio ke maamle mein accha hai. Dekho, Fund A ka riskometer moderately high hai, jisaki volatility 9.34 hai. Fund B ka riskometer very high hai, lekin volatility 16.9 hai. Haan, Fund A ka expense ratio 1% hai, jisaki thoda high hai. Fund B ka expense ratio 0.73% hai, jisaki low hai. Sach ye hai, Fund B ka risk-adjusted return ke liye accha hai.
📊 Portfolio Diversification
Ab hum yeh jaanne ka prayaas karenge ki kis fund mein asset allocation aur top holdings concentration ke maamle mein accha hai. Dekho, Fund A ka asset allocation Equity mein 68.12% hai, CD mein 4.05%, aur REITs mein 3.85%. Fund B ka asset allocation Equity mein 90.45% hai, lekin anya assets mein bhi investment karta hai. Haan, Fund A ka asset allocation thoda behtar hai, lekin Fund B ka sector risk thoda high hai. Sach ye hai, Fund A ek stable portfolio diversification ke liye accha hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
HDFC Small Cap Fund
₹1462201.27
@15.8% 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 18.08% hai, jisaki Fund A ke 5Y return 11.25% se accha hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk worth hai, lekin yeh fund long-term wealth creation ke liye accha hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.73% hai, jisaki Fund A ke expense ratio 1% se low 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