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%
Dekho, today hum aapko do fund ke baare mein jaanane wale hain. Fund A, ICICI Prudential Balanced Advantage Fund, ek hybrid fund hai, jabki Fund B, ICICI Prudential Bluechip Fund, ek large cap fund hai. Aap chaliye is article mein padhte hain kya ye do fund aapke long-term wealth creation ke liye best hain ya nahin.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Bluechip Fund - Regular 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% | 1.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 12.54 |
| 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?
Sach ye hai, Fund A ek stable aur consistent return deta hai. Iska 3Y return 12.2% hai, jo Fund B ka 3Y return 15.44% se kam hai. Lekin, expense ratio ke hisaab se, Fund A 1% ka expense ratio deta hai, jabki Fund B 1.52% ka expense ratio deta hai. Isliye, hamara verdict hai ki Fund A aapke long-term wealth creation ke liye better fund 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 ICICI Prudential Bluechip Fund?
- Expense ratio: 1.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
📈 SIP Suitability
Aap apne SIP ke liye Fund B ko better fund mana sakte hain. Iska 1Y return 24.48% hai, jo Fund A ka 1Y return 4.35% se kam hai. Lekin, aapko yaad rakhna hai ki SIP long-term hai, isliye Fund A ka stability aur consistency bhi aapke liye achha hoga.
⚠️ Risk & Cost Analysis
Is baat mein, Fund A ka riskometer moderately high hai, jabki Fund B ka riskometer very high hai. Lekin, sharpe ratio ke hisaab se, Fund B 0.71 ka sharpe ratio deta hai, jo Fund A ka 0.61 se jyada hai. Iske alawa, expense ratio ke hisaab se, Fund A 1% ka expense ratio deta hai, jabki Fund B 1.52% ka expense ratio deta hai. Isliye, Fund A aapke liye better risk-adjusted return deta hai.
📊 Portfolio Diversification
Portfolio diversification ke hisaab se, Fund A ka asset allocation kafi diversified hai. Isme equity 68.12%, CD 4.05%, REITs 3.85% aur SDL 3.68% shaamil hain. Lekin, Fund B ka asset allocation ek large cap fund ke liye kafi limited hai. Isme equity 96% aur T-Bills 4% shaamil hain. Isliye, Fund A ka portfolio diversification Fund B se jyada achha 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?
Fund B ka 5Y return 12.65% hai, jo Fund A ka 5Y return 11.25% se jyada hai. Lekin, Fund A ka 3Y return 12.2% hai, jo Fund B ka 3Y return 15.44% se kam hai. Isliye, Fund A aapke long-term wealth creation ke liye better fund hai.
Q2: Is the higher risk fund worth it?
Fund B ka riskometer very high hai, jabki sharpe ratio 0.71 hai. Fund A ka riskometer moderately high hai, jabki sharpe ratio 0.61 hai. Lekin, Fund B ka 1Y return 24.48% hai, jo Fund A ka 1Y return 4.35% se jyada hai. Isliye, Fund B aapke liye high return deta hai, lekin risk bhi jyada hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 1% hai, jabki Fund B ka expense ratio 1.52% hai. Isliye, Fund A aapke liye 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