ICICI Prudential Balanced Advantage Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
11.02%
Aap sabhi investors, dekho! Aaj hum are discussing do funds - ICICI Prudential Balanced Advantage Fund aur HDFC Top 100 Fund. Ye dono funds alag-alag categories mein aate hain - Hybrid aur Large Cap. Aap sabhi ko pata hai ki aapko kis type ke fund mein investment karna hai, lekin hum aapko detail se batayenge.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HDFC Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 14.66 |
| AUM (₹ Cr) | 7.06 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 1% | 0.31% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 13.05 |
| Sharpe Ratio | 0.61 | 0.35 |
| 1 Year Return (%) | 4.35% | -2.86% |
| 3 Year Return (%) | 12.2% | 11.02% |
| 5 Year Return (%) | 11.25% | 10.33% |
| Since Launch (%) | 12.54% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | Rahul Baijal; Roshi Jain (4.1 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% | 33% |
🤖 AI Verdict – Which is Better?
Haan, aakhir mein humein koi ek fund chunna padta hai. Dekho, Fund A ki 3-year return 12.2% hai, jo ki bahut hi achhi hai. Lekin expense ratio bhi kam hai, 1%. Ye sahi hai. Lekin Fund B ki 3-year return bhi 11.02% hai, lekin expense ratio 0.31% hai. Lekin yeh fund riskometer ke hisaab se very high hai. So, our verdict hai ki Fund A better 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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Ek SIP ke liye fund ka stability aur return ki consistency kafi zaroori hai. Fund A ki 1-year aur 3-year return bahut hi stable hai. Lekin Fund B ki 1-year return negative hai, jo ki bohut hi risk hai. So, SIP ke liye Fund A hi better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karna bahut zaroori hai. Fund A ki riskometer moderately high hai, volatility 9.34 hai, Sharpe ratio 0.61 hai, aur expense ratio 1% hai. Fund B ki riskometer very high hai, volatility 13.05 hai, Sharpe ratio 0.35 hai, aur expense ratio 0.31% hai. So, Fund A ka risk-adjusted return better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karna zaroori hai. Fund A ki asset allocation bahut hi diversified hai, jismein equity 68.12%, CD 4.05%, aur REITs 3.85% hai. Top holdings concentration bhi kam hai, jismein TVS Motor Company Ltd. 5.25%, ICICI Bank Ltd. 3.97%, aur HDFC Bank Ltd. 3.65% hai. Fund B ki asset allocation bhi bahut hi concentrated hai, jismein equity 96% hai. Top holdings concentration bhi bahut hi hi hai, jismein HDFC Bank Ltd. 8.5%, ICICI Bank Ltd. 7.8%, aur Reliance Industries Ltd. 6.9% hai. So, Fund A ka portfolio diversified hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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?
Ans: Fund A ki 5-year return 11.25% hai, jiski tulna Fund B ki 5-year return 10.33% se karni chahiye. Fund A better hai.
Q2: Is the higher risk fund worth it?
Ans: Fund B ki riskometer very high hai aur volatility 13.05 hai. Lekin Sharpe ratio 0.35 hai, jo ki kam hai. Fund A ka risk-adjusted return better hai.
Q3: Which fund is more cost-effective?
Ans: Fund A ki expense ratio 1% hai, jo ki Fund B ki expense ratio 0.31% se jyada hai. Fund A cost-effective 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