ICICI Prudential Balanced Advantage Fund vs Navi Mutual Fund 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%
Dekho, aaj hum do mutual funds ke beech ki comparison karenge - ICICI Prudential Balanced Advantage Fund aur Navi Mutual Fund Large Cap Fund. Ye do funds alag-alag categories mein aate hain. Fund A hybrid category mein hai, jabki Fund B large cap category mein hai. Is article mein hum aapko Fund A aur Fund B ke 3Y return, expense ratio, aur risk ke beech ki comparison karenge. Haan, yeh aapko pata chalega ki kaunsa fund aapke liye better hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BNavi Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Navi Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 497.22 |
| AUM (₹ Cr) | 7.06 Lac Cr | 2.51 Lac Cr |
| Expense Ratio (%) | 1% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 12.72 |
| Sharpe Ratio | 0.61 | 0.64 |
| 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) | Sonam Udasi; Amey Sathe (9.2 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% | 30% |
🤖 AI Verdict – Which is Better?
Chaliye, hum aapko batate hain ki kaunsa fund aapke liye better hai. Fund A ka 3Y return 12.2% hai, jabki Fund B ka 3Y return 14.7% hai. Lekin, Fund B ka expense ratio 0.52% hai, jo Fund A ke 1% se kam hai. Riskometer ke hisab se bhi Fund B zyada risk wala fund hai. Haan, Fund B ka Sharpe ratio 0.64 hai, jo Fund A ke 0.61 se zyada hai. Sach ye hai, Fund B aapke liye better fund 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 Navi Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.51 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
SIP suitability ke hisab se, Fund A aapke liye better fund hai. Fund A ka 1Y return 4.35% hai, jabki Fund B ka 1Y return -4.02% hai. Isliye, Fund A ka consistency aur return stability Fund B se zyada hai. Haan, Fund A ka expense ratio Fund B ke mukabla 1% hai, lekin isse Fund B ka return stability thodi kam ho jaata hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, Fund B zyada risk wala fund hai. Lekin, Fund B ka Sharpe ratio Fund A ke mukabla zyada hai. Volatility ke hisab se bhi Fund B zyada risk wala fund hai. Haan, Fund B ka expense ratio Fund A ke mukabla kam hai. Isliye, Fund B ka risk-adjusted return Fund A se zyada hai.
📊 Portfolio Diversification
Fund A ka asset allocation Fund B ke mukabla zyada hai. Fund A mein 68.12% equity hai, jabki Fund B mein 96% equity hai. Isliye, Fund A ka portfolio diversification Fund B se zyada hai. Haan, Fund A ka top holdings concentration Fund B ke mukabla kam hai. Fund A mein TVS Motor Company Ltd., ICICI Bank Ltd., aur HDFC Bank Ltd. hain, jabki Fund B mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Navi Mutual Fund 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 B aapke liye better fund hai, jiska 5Y return 12.03% hai. Fund A ka 5Y return 11.25% hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka Sharpe ratio Fund A ke mukabla zyada hai, jisse vah risk-adjusted return vahan se zyada hai. Lekin, Fund B ka riskometer Fund A ke mukabla zyada hai.
Q3: Which fund is more cost-effective?
Fund B aapke liye cost-effective fund hai, jiska expense ratio 0.52% hai. Fund A ka expense ratio 1% 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