ICICI Prudential Balanced Advantage Fund vs JM Financial Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
14.7%
Chaliye, dekho, we have two funds to compare: ICICI Prudential Balanced Advantage Fund and JM Financial Large Cap Fund. Both are popular among Indian investors, but they have different investment objectives and risk profiles. In this comparison, we'll help you decide which fund is better for your long-term wealth creation goals.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BJM Financial Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | JM Financial |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 497.22 |
| AUM (₹ Cr) | 7.06 Lac Cr | 2.26 Lac Cr |
| Expense Ratio (%) | 1% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 12.25 |
| Sharpe Ratio | 0.61 | 0.67 |
| 1 Year Return (%) | 4.35% | -4.02% |
| 3 Year Return (%) | 12.2% | 14.7% |
| 5 Year Return (%) | 11.25% | 12.03% |
| Since Launch (%) | 12.54% | 11.65% |
| 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) | Asit Bhandarkar (3.5 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% | 26% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B ki 3Y return ka badhav bahut achha hai lekin expense ratio aur riskometer ka dhyan rakhte hue. Fund A ka riskometer thoda kam hai aur expense ratio bhi kam hai. Haan, Fund A ka 3Y return bhi bahut achha hai. Dekho, fund B ka 5Y return bhi 12.03% hai. Lekin risk ke maamle mein Fund A bhi bahut achha hai. Haan, Fund A ka AUM bhi bahut jada hai. Chaliye, hamara verdict ye hai ki Fund A better fund hai long-term wealth creation ke liye.
[SIP_SUITABILITY]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 JM Financial Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.26 Lac Cr
- Sharpe Ratio: 0.67
📈 SIP Suitability
Ten+ saalon ke liye monthly SIP ke liye fund A bhi bahut achha hai. Fund B ka 1Y return bahut kam hai. Dekho, Fund A ka 1Y return bhi kam hai lekin 3Y aur 5Y ke return bahut achhe hain. Haan, Fund A ka consistency aur return stability bahut achha hai. Lekin Fund B ka sharpe ratio bhi bahut achha hai. Haan, Fund A ka asset allocation bhi bahut achha hai. Chaliye, fund A ka SIP bahut achha hai ten+ saalon ke liye.
[RISK_COST]⚠️ Risk & Cost Analysis
Riskometer ke maamle mein Fund A thoda kam hai aur Fund B bahut jada hai. Volatility ke maamle mein bhi Fund A thoda kam hai. Sharpe ratio ke maamle mein Fund B kuch jada hai lekin expense ratio mein Fund A bahut jada hai. Haan, Fund A ka AUM bhi bahut jada hai. Lekin risk-adjusted returns ke maamle mein Fund A bahut achha hai. Chaliye, Fund A offers better risk-adjusted returns.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Fund A ka asset allocation bahut achha hai. Dekho, Fund A mein Equity ka hissa 68.12% hai aur Debt ka hissa 31.88% hai. Haan, Fund A ka asset allocation bahut vistrit hai. Lekin Fund B ka asset allocation bahut kam hai. Dekho, Fund B mein Equity ka hissa 96% hai aur T-Bills ka hissa 4% hai. Haan, Fund B ka sector risk bahut jada hai. Lekin Fund A ka sector risk kam hai. Chaliye, Fund A ka portfolio diversification bahut achha hai.
[FAQ]SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
JM Financial Large Cap Fund
₹1367804.07
@14.7% 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 A ka 5Y return 11.25% hai aur Fund B ka 5Y return 12.03% hai. Toh Fund B fund A se better returns deta hai long run mein.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 12.25 hai aur Fund A ka volatility 9.34 hai. Lekin Fund B ka sharpe ratio 0.67 hai aur Fund A ka sharpe ratio 0.61 hai. Toh Fund B ka higher risk fund worth hai lekin Fund A ka risk-adjusted returns bahut achha hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 1% hai aur Fund B ka expense ratio 0.52% hai. Toh Fund B fund A se 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