ICICI Prudential Balanced Advantage Fund vs LIC Mutual Fund 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 fund hain, Fund A aur Fund B. Fund A ek hybrid fund hai, jabki Fund B ek multi cap fund hai. Aaj humein yeh janna hai ki kis fund mein long term mein paisa khaana hai. Chaliye, aaj hum Fund A aur Fund B ka comparison karenge.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | LIC Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 84.60 | 19.01 |
| AUM (₹ Cr) | 7.06 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 1% | 1.68% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 13.9 |
| Sharpe Ratio | 0.61 | 1.03 |
| 1 Year Return (%) | 4.35% | 5.23% |
| 3 Year Return (%) | 12.2% | 20.86% |
| 5 Year Return (%) | 11.25% | 11.46% |
| 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) | Yogesh Patil (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% | 38% |
🤖 AI Verdict – Which is Better?
Haan, yeh to saaf hai ki Fund B khaas kar long term mein aage badhne ke liye upyukt hai. Iski 3Y return 20.86% hai, jo Fund A ke 12.2% se adhik hai. Sath hi, Fund B ki expense ratio bhi kam nahi hai, 1.68% hai, jabki Fund A ki expense ratio 1% hai. Lekin, Fund B ki volatility aur riskometer bhi adhik hai. To, yeh saaf hai ki Fund B khaas kar risk-loving aur long term investors ke liye upyukt 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 LIC Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
Haan, sip ke liye bhi Fund B upyukt hai. Iski consistency aur return stability adhik hai. Fund A ki 1Y aur 3Y return Fund B se adhik nahi hai. Sath hi, Fund A ki asset allocation bhi adhik hai, jo sip ke liye kam upyukt hai. To, yeh saaf hai ki Fund B sip ke liye upyukt hai.
⚠️ Risk & Cost Analysis
Risiko aur cost analysis ke liye, hum Fund A aur Fund B ka comparison karte hain. Fund A ka riskometer moderately high hai, jabki Fund B ka very high hai. Fund A ka volatility 9.34 hai, jabki Fund B ka 13.9 hai. Sharpe ratio mein bhi Fund A 0.61 hai, jabki Fund B 1.03 hai. Iske liye, Fund A kitna bataavari aur cost effective hai, yeh aapko samajhne ke liye hum aage badhenge.
📊 Portfolio Diversification
Haan, asset allocation aur top holdings concentration ke hisaab se bhi Fund B upyukt hai. Fund B ki asset allocation adhik hai, lekin top holdings concentration bhi adhik hai. Isse yeh saaf hai ki Fund B ki portfolio adhik diversified hai. Sath hi, Fund A ki asset allocation kam hai, jo kuch sector risk ka karan bhi ho sakta hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
LIC Mutual Fund 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?
Sach ye hai ki Fund B ki 5Y aur 3Y return Fund A se adhik hai. Isse yeh saaf hai ki Fund B long run mein aage badhne ke liye upyukt hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki volatility aur Sharpe ratio adhik hai, lekin yeh saaf hai ki Fund B apne risk par return dene ke liye upyukt hai. Sath hi, Fund B ki returns Fund A se adhik hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ki expense ratio Fund B se kam hai, 1% hai. Sath hi, Fund A ki returns Fund B se kam hai. Isse yeh saaf hai ki Fund A cost-effective fund 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