ICICI Prudential Balanced Advantage Fund vs ICICI Prudential Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
20.43%
Aapke paas do funds hain – ICICI Prudential Balanced Advantage Fund aur ICICI Prudential Multi Cap Fund. Ye dono Hybrid aur Multi Cap Category mein hain. Aaj humein ye jaanna hoga ki ekse ka fund better hai. Dekho, Fund A Hybrid Category mein hai, jabki Fund B Multi Cap Category mein hai. Hum aapko pata chalayenge ki Fund A aur Fund B ke beech kya aisa hai aur aapko kis fund mein nivesh karna chahiye.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Multi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | ICICI Prudential |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 84.60 | 934.98 |
| AUM (₹ Cr) | 7.06 Lac Cr | 1.70 Lac Cr |
| Expense Ratio (%) | 1% | 0.99% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 13.45 |
| Sharpe Ratio | 0.61 | 1.04 |
| 1 Year Return (%) | 4.35% | 6.9% |
| 3 Year Return (%) | 12.2% | 20.43% |
| 5 Year Return (%) | 11.25% | 17.37% |
| Since Launch (%) | 12.54% | 16.31% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 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) | Lalit Kumar; Sharmila D'Silva (3.9 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) | BSE Ltd. (3.31%), Ultratech Cement Ltd. (2.85%), Jindal Steel Ltd. (2.73%) |
| 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: 97.97% |
| Portfolio Turnover | 451% | 45% |
🤖 AI Verdict – Which is Better?
Chaliye, hum aapko pata chalayenge ki Fund A ya Fund B better hai. Fund A ki 3Y return 12.2% hai, jiska 5Y return 11.25% hai. Fund B ki 3Y return 20.43% hai, jiska 5Y return 17.37% hai. Lekin, Fund A ki Expense ratio 1% hai, jabki Fund B ki Expense ratio 0.99% hai. Riskometer ke hisab se, Fund A Moderately High hai, jabki Fund B Very High hai. Sach ye hai, humein Fund B ko long-term wealth creation ke liye better mana jata 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 Multi Cap Fund?
- Expense ratio: 0.99%
- 3Y return: 20.43%
- AUM: 1.70 Lac Cr
- Sharpe Ratio: 1.04
📈 SIP Suitability
Aap monthly SIP ke liye 10+ years ke liye fund ka chunav karna chahte hain. Hamare paas dono funds ki data hai. Fund A ki 1Y return 4.35% hai aur 3Y return 12.2% hai. Fund B ki 1Y return 6.9% hai aur 3Y return 20.43% hai. Dekho, Fund A ki return stability Fund B ki tulna mein kam hai. Isliye, hamare paas Fund B better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Aapko pata hai ki aapki risk capacity kitni hai. Ab, hum aapko pata chalayenge ki Fund A ya Fund B mein aapka paise kaise lagunga. Fund A ki Volatility 9.34 hai, jiska Sharpe ratio 0.61 hai. Fund B ki Volatility 13.45 hai, jiska Sharpe ratio 1.04 hai. Expense ratio ke hisab se, Fund A 1% hai, jabki Fund B 0.99% hai. Sach ye hai, Fund B aapko better risk-adjusted returns deta hai. Isliye, humein Fund B ka preference hai.
📊 Portfolio Diversification
Aapko pata hai ki aapka portfolio kitna diversified hai. Ab, hum aapko pata chalayenge ki Fund A ya Fund B mein aapka paise kaise lagunga. Fund A ka Asset allocation Equity mein 68.12% hai, jabki Fund B ka Asset allocation Equity mein 97.97% hai. Dekho, Fund B ka Asset allocation Fund A ki tulna mein adhik concentrated hai. Isliye, humein Fund A ka preference hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
ICICI Prudential Multi Cap Fund
₹1966010.45
@20.4% 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?
Answer: Hamare paas Fund B ki 5Y return 17.37% hai, jiska 3Y return 20.43% hai. Isliye, Fund B aapko better returns deta hai long run mein.
Q2: Is the higher risk fund worth it?
Answer: Hamare paas Fund B ki Volatility 13.45 hai, jiska Sharpe ratio 1.04 hai. Isliye, Fund B ka risk bhi adhik hai. Lekin, Fund B aapko better risk-adjusted returns deta hai. Isliye, humein Fund B worth mana jata hai.
Q3: Which fund is more cost-effective?
Answer: Hamare paas Fund B ki Expense ratio 0.99% hai, jabki Fund A ki Expense ratio 1% hai. Isliye, Fund B aapko more 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