ICICI Prudential Balanced Advantage Fund vs Nippon India Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
15.4%
Dekho, aapke paas do funds hain - ICICI Prudential Balanced Advantage Fund aur Nippon India Large Cap Fund. Sabse pehle, humein fund ki category jaanne ki zaroorat hai. Fund A hybrid hai, chaliye, ismein equity aur debt dono ki allocation hoti hai. Fund B large cap fund hai, ismein sirf equity ki allocation hoti hai. Aaj hum is baat ke bare mein jaanege ki Fund A aur Fund B mein kya farq hai aur aapko kis fund ki zaroorat hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BNippon India Large Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Nippon India |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 42.22 |
| AUM (₹ Cr) | 7.06 Lac Cr | 5.17 Lac Cr |
| Expense Ratio (%) | 1% | 1.56% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 12.27 |
| Sharpe Ratio | 0.61 | 0.73 |
| 1 Year Return (%) | 4.35% | -0.91% |
| 3 Year Return (%) | 12.2% | 15.4% |
| 5 Year Return (%) | 11.25% | 3.31% |
| Since Launch (%) | 12.54% | 12.7% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 29 November 2012 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 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. (9.24%), ICICI Bank Ltd. (7.99%), Reliance Industries Ltd. (4.3%) |
| 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: 96.43% |
| Portfolio Turnover | 451% | 70% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A aur Fund B dono ka 3Y return bahut achha hai, lekin humein long-term wealth creation ke liye 3Y return hi nahi dekhte. Dekho, Fund A ka 5Y return 11.25% hai, jabki Fund B ka 5Y return 3.31% hi hai. Expense ratio ke hisaab se bhi Fund A bahut accha hai, iska expense ratio 1% hai, jabki Fund B ka 1.56% hai. Aur Riskometer ke hisaab se bhi Fund A thoda kam risk wala hai. Isliye, humein lagta hai ki Fund A long-term wealth creation ke liye better 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 Nippon India Large Cap Fund?
- Expense ratio: 1.56%
- 3Y return: 15.4%
- AUM: 5.17 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP suitibility ke hisaab se, Fund B thoda kam stable return deti hai, lekin iska expense ratio bahut jada hai. Fund A ka consistency aur return stability thoda accha hai, lekin iska asset allocation thoda kam diversified hai. Isliye, Fund A SIP ke liye thoda accha hai, lekin aapko iska asset allocation aur riskometer ka bhi dhyan rakhna hoga.
⚠️ Risk & Cost Analysis
Volatility, Sharpe ratio, expense ratio sabhi factors ke hisaab se hum Fund A ko thoda accha fund samjhte hain. Fund A ka riskometer Moderately High hai, jabki Fund B ka Very High hai. Sharpe ratio se bhi Fund A accha hai, iska Sharpe ratio 0.61 hai, jabki Fund B ka 0.73 hai. Expense ratio ke hisaab se bhi Fund A accha hai, iska expense ratio 1% hai, jabki Fund B ka 1.56% hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, Fund A ka asset allocation thoda kam diversified hai, lekin Fund B ka asset allocation bahut kam diversified hai. Fund A mein equity ki allocation 68.12% hai, jabki Fund B mein 96.43% hai. Top holdings concentration ke hisaab se bhi Fund A accha hai, iska top holdings concentration thoda kam hai. Isliye, Fund A portfolio diversification ke hisaab se thoda accha hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Nippon India Large Cap Fund
₹1428138.45
@15.4% 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, Fund A ka 5Y return 11.25% hai, jabki Fund B ka 3.31% hai. Isliye, Fund A long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka riskometer Very High hai, lekin iska Sharpe ratio 0.73 hai, jabki Fund A ka 0.61 hai. Isliye, Fund B ka jada risk vajah se nahi hai.
Q3: Which fund is more cost‑effective?
Sach ye hai, Fund A ka expense ratio 1% hai, jabki Fund B ka 1.56% hai. Isliye, Fund A 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