ICICI Prudential Balanced Advantage Fund vs ICICI Prudential Bluechip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
15.44%
Chaliye dekho, aaj hum do mutual funds ki tarah se kehte hain - ICICI Prudential Balanced Advantage Fund aur ICICI Prudential Bluechip Fund. Ye do funds alag-alag categories mein hain. Fund A hybrid category mein hai, jabki Fund B large cap category mein hai. Aaj humein in dono funds ki comparison karni hai aur pata lagana hai ki kis fund mein invest karna bhi hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Bluechip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | ICICI Prudential |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 83.91 |
| AUM (₹ Cr) | 7.06 Lac Cr | 5.81 Lac Cr |
| Expense Ratio (%) | 1% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 12.52 |
| Sharpe Ratio | 0.61 | 0.71 |
| 1 Year Return (%) | 4.35% | 24.48% |
| 3 Year Return (%) | 12.2% | 15.44% |
| 5 Year Return (%) | 11.25% | 12.65% |
| Since Launch (%) | 12.54% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | Anish Tawakley; Vaibhav Dusad (6.5 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% | 28% |
🤖 AI Verdict – Which is Better?
Haan, aaj humein fund ki comparison karni hai. Fund A ka 3Y return 12.2% hai, jabki Fund B ka 3Y return 15.44% hai. Lekin Fund A ka expense ratio 1% hai, jabki Fund B ka expense ratio 0.52% hai. Iske alawa, Fund A ka riskometer moderately high hai, jabki Fund B ka riskometer very high hai. Sach ye hai ki Fund B ka risk higher hai, lekin Fund A ka expense ratio bhi higher hai. Isliye, hum Fund B ko long-term wealth creation ke liye better fund manaenge.
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 ICICI Prudential Bluechip Fund?
- Expense ratio: 0.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
📈 SIP Suitability
SIP ke liye, humein consistency aur return stability ka dhyan rakhna hai. Fund A ka 1Y return 4.35% hai, jabki Fund B ka 1Y return 24.48% hai. Iske alawa, Fund A ka 3Y return 12.2% hai, jabki Fund B ka 3Y return 15.44% hai. Isse pata chalta hai ki Fund B ka return stability aur consistency Fund A se adhik hai. Isliye, Fund B ko SIP ke liye better fund manaenge.
⚠️ Risk & Cost Analysis
Ab humein riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karna hai. Fund A ka riskometer moderately high hai, jabki Fund B ka riskometer very high hai. Iske alawa, Fund A ka volatility 9.34 hai, jabki Fund B ka volatility 12.52 hai. Sharpe ratio ka dhyan rakhne se, Fund B ka Sharpe ratio 0.71 hai, jabki Fund A ka Sharpe ratio 0.61 hai. Iske alawa, Fund B ka expense ratio 0.52% hai, jabki Fund A ka expense ratio 1% hai. Isliye, Fund B ka risk-adjusted return Fund A se adhik hai.
📊 Portfolio Diversification
Ab humein asset allocation aur top holdings concentration ka comparison karna hai. Fund A ka asset allocation equity mein 68.12% hai, jabki debt mein 31.88% hai. Iske alawa, Fund A ka top holdings concentration TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) hai. Fund B ka asset allocation equity mein 96% hai, jabki debt mein 4% hai. Iske alawa, Fund B ka top holdings concentration HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) hai. Isse pata chalta hai ki Fund B ka asset allocation Fund A se adhik diversified hai, lekin top holdings concentration Fund A se adhik hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% 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 Fund B ka 5Y return 12.65% hai, jabki Fund A ka 5Y return 11.25% hai. Isliye, Fund B long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, lekin uske liye aapko jald hi reward milni chahiye. Fund B ka return consistency aur stability Fund A se adhik hai, lekin uske liye aapko jald hi higher returns milni chahiye. Iske alawa, Fund B ka risk-adjusted return Fund A se adhik hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.52% hai, jabki Fund A ka expense ratio 1% hai. Isliye, Fund B cost-effective hai. Iske alawa, Fund B ka return consistency aur stability Fund A se adhik hai, lekin uske liye aapko jald hi higher returns milni chahiye.
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