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%
Chaliye, dekho, hum do fundon ka comparison kar rahe hain. Fund A, ICICI Prudential Balanced Advantage Fund, ek hybrid fund hai, jabki Fund B, HDFC Top 100 Fund, large-cap fund hai. Aaj hum jaanege ki donon fundon mein kya difference hai aur kis fund mein invest karna chahiye.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | HDFC Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 11.21 |
| AUM (₹ Cr) | 7.06 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 1% | 1.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 13.06 |
| 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% | 4.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 25 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) | 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, Fund A aur Fund B dono fund me 3Y return me acha performance hai, lekin Fund A ka 5Y return 11.25% hai, jo ki Fund B ka 10.33% se adhik hai. Lekin Fund B ka expense ratio 1.52% hai, jo ki Fund A ka 1% se adhik hai. Riskometer aur volatility ka dhyaan mein, Fund A me better risk-adjusted returns 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: 1.52%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Hum jaanege ki monthly SIP ke liye kis fund better hai. Fund A ka consistency aur return stability donon mein achha hai. Fund A ka 1Y return 4.35% hai, jabki Fund B ka 1Y return -2.86% hai. SIP ke liye Fund A better hai, kyunki iska performance consistent hai.
⚠️ Risk & Cost Analysis
Hum jaanege ki donon fundon ka riskometer, volatility, Sharpe ratio, aur expense ratio kya hai. Fund A ka riskometer moderately high hai, jabki Fund B ka riskometer very high hai. Volatility ke hisaab se bhi Fund A better hai, volatility 9.34 hai, jabki Fund B ka volatility 13.06 hai. Sharpe ratio ke hisaab se bhi Fund A better hai, Sharpe ratio 0.61 hai, jabki Fund B ka Sharpe ratio 0.35 hai. Expense ratio ke hisaab se bhi Fund A better hai, expense ratio 1% hai, jabki Fund B ka expense ratio 1.52% hai. Toh, Fund A better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Hum jaanege ki donon fundon ka asset allocation kya hai. Fund A ka asset allocation me equity 68.12% hai, jabki Fund B ka asset allocation me equity 96% hai. Top holdings concentration ke hisaab se bhi Fund A better hai, Fund A ka concentration TVS Motor Company Ltd., ICICI Bank Ltd., aur HDFC Bank Ltd. hai, jabki Fund B ka concentration HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Toh, Fund A ka portfolio diversification better hai.
Q1: Which fund gives better returns in the long run?
Fund A ka 5Y return 11.25% hai, jabki Fund B ka 5Y return 10.33% hai. Toh, Fund A better returns deta hai long run mein.
Q2: Is the higher risk fund worth it?
Fund B ka riskometer very high hai, jabki Fund A ka riskometer moderately high hai. Lekin, volatility ke hisaab se Fund B more volatile hai, volatility 13.06 hai, jabki Fund A ka volatility 9.34 hai. Sharpe ratio ke hisaab se bhi Fund B better hai, Sharpe ratio 0.35 hai, jabki Fund A ka Sharpe ratio 0.61 hai. Toh, Fund B ka higher risk worth hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 1% hai, jabki Fund B ka expense ratio 1.52% hai. Toh, Fund A more cost-effective 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?
Sach ye hai, Fund A ka 5Y return 11.25% hai, jo ki Fund B ka 10.33% se adhik hai. Lekin 3Y return me dono fund me acha performance hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund hai, lekin sharpe ratio ka dhyaan mein, Fund A ka 0.61 hai, jo ki Fund B ka 0.35 se adhik hai. Isse Fund A me better risk-adjusted returns hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 1% hai, jo ki Fund B ka 1.52% se kam hai. Isse Fund A me better 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