ICICI Prudential Balanced Advantage Fund vs ICICI Prudential Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
15.42%
Dekho, agar aapko ek hybrid fund aur ek small cap fund ke beech mein koi farq nahin pata hai, toh yeh article aapke liye hai. Chaliye, hum donon funds ke bare mein jante hain aur dekhte hain ki kis fund mein long term mein aapko zyada fayda hoga.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | ICICI Prudential |
| Category | Hybrid | Small Cap |
| NAV (₹) | 84.60 | 96.92 |
| AUM (₹ Cr) | 7.06 Lac Cr | 2.27 Lac Cr |
| Expense Ratio (%) | 1% | 0.82% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 17.48 |
| Sharpe Ratio | 0.61 | 0.51 |
| 1 Year Return (%) | 4.35% | 1.68% |
| 3 Year Return (%) | 12.2% | 15.42% |
| 5 Year Return (%) | 11.25% | 17.22% |
| Since Launch (%) | 12.54% | 16.62% |
| 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) | Harsh Upadhyaya; Sharmila D'Silva (4.2 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| 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: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 451% | 21% |
🤖 AI Verdict – Which is Better?
Chaliye, let's compare the two funds. Fund A has a 3Y return of 12.2%, while Fund B has a 3Y return of 15.42%. Although Fund B has higher returns, its very high riskometer and higher volatility (17.48) make it less suitable for conservative investors. Fund A's expense ratio of 1% is lower than Fund B's 0.82%. Therefore, our verdict is that Fund A is a better choice for long-term wealth creation.
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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 15.42%
- AUM: 2.27 Lac Cr
- Sharpe Ratio: 0.51
📈 SIP Suitability
Sach ye hai, SIPs are a great way to invest for the long term. For a monthly SIP of 10+ years, Fund A's consistent returns and lower volatility make it a better choice. Although Fund B has higher returns, its volatility might affect the SIP's consistency. Fund A's asset allocation is more diversified, which reduces risk.
⚠️ Risk & Cost Analysis
Haan, risk and cost analysis is crucial. Fund A's riskometer is moderately high, while Fund B's is very high. Fund A's Sharpe ratio of 0.61 is higher than Fund B's 0.51, indicating better risk-adjusted returns. Although Fund B has higher returns, its higher expense ratio and volatility make it a riskier choice. Fund A's expense ratio of 1% is lower than Fund B's 0.82%.
📊 Portfolio Diversification
Lekin, let's analyze the asset allocation. Fund A has a diversified portfolio with 68.12% equity and 31.88% debt. Its top holdings are TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), and HDFC Bank Ltd. (3.65%). Fund B has a more concentrated portfolio with 91% equity and 9% cash and equivalents. Its top holdings are Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), and National Aluminium Company Ltd. (2.7%). Fund A's diversified portfolio reduces sector risk.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
ICICI Prudential Small Cap Fund
₹1429907.82
@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 has a higher 5Y return of 17.22% compared to Fund A's 11.25%. However, Fund A's 3Y return of 12.2% is higher than Fund B's 15.42%.
Q2: Is the higher risk fund worth it?
No, Fund B's higher volatility (17.48) and lower Sharpe ratio (0.51) indicate higher risk and lower risk-adjusted returns. Therefore, it's not worth taking higher risk for lower returns.
Q3: Which fund is more cost‑effective?
Fund A has a lower expense ratio of 1% compared to Fund B's 0.82%. Therefore, Fund A is more cost-effective.
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