ICICI Prudential Balanced Advantage Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
20.86%
Dekho, aapke paas do chote funds hain - ICICI Prudential Balanced Advantage Fund aur JM Financial Multi Cap Fund. Category ke liye, Fund A Hybrid hai, jabki Fund B Multi Cap hai. Aaj hum donon funds ke beech mein tulna karenge aur aapko batayenge ki long-term mein kaun kaun se fund acha hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | JM Financial |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 84.60 | 19.01 |
| AUM (₹ Cr) | 7.06 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 1% | 1.68% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 14.35 |
| Sharpe Ratio | 0.61 | 1 |
| 1 Year Return (%) | 4.35% | 5.23% |
| 3 Year Return (%) | 12.2% | 20.86% |
| 5 Year Return (%) | 11.25% | 0% |
| Since Launch (%) | 12.54% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 February 2023 |
| 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 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%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 451% | 44% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ki 3Y return 12.2% hai, jiska mazaak nahi uthta. Lekin expense ratio 1% hai, jo kam hai. Riskometer moderately high hai, lekin volatility 9.34 hai, jo aam hai. Fund B ki 3Y return 20.86% hai, lekin expense ratio 1.68% hai, jo adhik hai. Riskometer very high hai, lekin volatility 14.35 hai, jo bahut jyaada hai. Haan, Fund A best hai long-term wealth creation ke liye, lekin aapko apne risk tolerance ka dhyan rakhna hoga.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
Ab SIP ke liye dekhte hain. Donon funds ka 5Y return kamal hai, lekin Fund A ka return stable hai. Fund B ka return isliye kamal hai kyunki isme equity ka allocation 97% hai. Lekin isme risk bhi kamal hai. Isliye, Fund A acha hai SIP ke liye chaliye.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisab se Fund A better hai. Fund A ki riskometer moderately high hai, lekin volatility 9.34 hai. Fund B ki riskometer very high hai, lekin volatility 14.35 hai, jo bahut jyaada hai. Sharpe ratio ke hisab se bhi Fund A better hai, kyonki uska Sharpe ratio 0.61 hai, jo aam hai. Haan, Fund A better hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Ab portfolio diversification ke liye dekhte hain. Fund A ka asset allocation equity, CD, REITs, SDL, aur GOI Sec ke liye 68.12%, 4.05%, 3.85%, 3.68%, aur 3.07% hai. Fund B ka asset allocation equity aur T-Bills ke liye 97% aur 3% hai. Isliye, Fund A ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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?
Haan, Fund B ka 3Y return 20.86% hai, lekin Fund A ka 5Y return 11.25% hai. Isliye, Fund B acha hai long-term mein.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka Sharpe ratio 1 hai, lekin volatility 14.35 hai. Isliye, Fund B acha hai risk ke liye lekin aapko khatarnaak fund ke liye taiyaar hona padega.
Q3: Which fund is more cost-effective?
Haan, Fund A ka expense ratio 1% hai, jabki Fund B ka 1.68% hai. Isliye, Fund A acha hai cost-effectiveness ke liye.
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