ICICI Prudential Balanced Advantage Fund vs Navi 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%
Ab chaliye dekho Fund A aur Fund B ki comparison karte hai. Ye do funds hybrid aur multi-cap category ka hain. Hum aapko bataenge ki Fund A aur Fund B mein kya faida hai aur kis fund mein long-term wealth creation ke liye aapko invest karna chahiye.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BNavi Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Navi Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 84.60 | 19.01 |
| AUM (₹ Cr) | 7.06 Lac Cr | 1.81 Lac Cr |
| Expense Ratio (%) | 1% | 1.68% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 15 |
| Sharpe Ratio | 0.61 | 0.96 |
| 1 Year Return (%) | 4.35% | 5.23% |
| 3 Year Return (%) | 12.2% | 20.86% |
| 5 Year Return (%) | 11.25% | 11.52% |
| 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) | Gopal Agrawal; Atul Zabhade (3.2 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% | 52% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki Fund A aur Fund B ke beech Fund B better hai long-term wealth creation ke liye. Fund B ka 3Y return 20.86% hai, jo ki Fund A ka 3Y return 12.2% se adhik hai. Lekin Fund B ka expense ratio 1.68% hai, jo ki Fund A ka expense ratio 1% se adhik hai. Riskometer ke hisab se bhi Fund B zyada riski hai, lekin Fund B ka Sharpe ratio Fund A ka Sharpe ratio se adhik hai. Isliye, Fund B long-term wealth creation ke 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.81 Lac Cr
- Sharpe Ratio: 0.96
📈 SIP Suitability
Monthly SIP ke liye Fund A aur Fund B ke beech Fund B better hai. Fund B ka 5Y return 11.52% hai, jo ki Fund A ka 5Y return 11.25% se adhik hai. Lekin Fund B ka expense ratio Fund A ka expense ratio se adhik hai. Isliye, Fund B ka SIP stability aur return stability ke liye better hai.
⚠️ Risk & Cost Analysis
Fund A aur Fund B ke beech Fund A ka riskometer zyada kam hai. Fund A ka riskometer Moderately High hai, jabki Fund B ka riskometer Very High hai. Lekin Fund B ka volatility Fund A ka volatility se zyada hai. Fund A ka Sharpe ratio Fund B ka Sharpe ratio se kam hai. Isliye, Fund A ka expense ratio Fund B ka expense ratio se kam hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Fund A aur Fund B ke beech Fund A ka portfolio diversification zyada hai. Fund A ka asset allocation Equity, CD, REITs, SDL, GOI Sec, Debenture, T-Bills, NCD, Sec. Debt, Debt, InvITs, CP, ZCB, GOI FRB, Pref. Shares, ID aur Futures mein hai, jo ki Fund B ka asset allocation Equity aur T-Bills mein hai. Fund A ka top holdings concentration TVS Motor Company Ltd, ICICI Bank Ltd aur HDFC Bank Ltd mein hai, jo ki Fund B ka top holdings concentration HDFC Bank Ltd, ICICI Bank Ltd aur Reliance Industries Ltd mein hai. Isliye, Fund A ka portfolio diversification zyada hai aur sector risk zyada hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Navi 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?
Fund B Fund A se better returns deta hai long run mein, lekin Fund B ka expense ratio Fund A ka expense ratio se adhik hai. Fund B ka 5Y return 11.52% hai, jo ki Fund A ka 5Y return 11.25% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka Sharpe ratio Fund A ka Sharpe ratio se adhik hai, lekin Fund B ka volatility Fund A ka volatility se zyada hai. Isliye, Fund B ka risk-adjusted returns Fund A se adhik hai.
Q3: Which fund is more cost-effective?
Fund A Fund B se cost-effective hai, lekin Fund A ka expense ratio Fund B ka expense ratio se kam hai. Fund A ka expense ratio 1% hai, jo ki Fund B ka expense ratio 1.68% se adhik 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