ICICI Prudential Balanced Advantage Fund vs SBI Blue Chip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
31.25%
Dekho, aap logon ke paas do hybrid funds hain, Fund A aur Fund B. Fund A, ICICI Prudential Balanced Advantage Fund, ek moderately high riske fund hai, jabki Fund B, SBI Blue Chip Fund, ek very high riske fund hai. Aaj hum yeh jaanne ke liye hain ki aapke paas Fund A ya Fund B mehsoos karna chahiye.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BSBI Blue Chip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | SBI Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 101.68 |
| AUM (₹ Cr) | 7.06 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 1% | 0.79% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 11.35 |
| Sharpe Ratio | 0.61 | 2.18 |
| 1 Year Return (%) | 4.35% | 9.84% |
| 3 Year Return (%) | 12.2% | 31.25% |
| 5 Year Return (%) | 11.25% | 25.25% |
| Since Launch (%) | 12.54% | 12.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 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) | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | BSE 100 Total Return Index |
| Top 3 Holdings | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) |
| 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: 97.26% | T-Bills: 0.78% |
| Portfolio Turnover | 451% | 8% |
🤖 AI Verdict – Which is Better?
Haan, yeh ek achi jaankari hai. Fund B, SBI Blue Chip Fund, logon ke liye behtar fund hai, lekin yeh aapke liye nahi hai. Fund B ka 3Y return 31.25% hai, jabki Fund A ka 5Y return 11.25% hai. Expense ratio bhi Fund B mehsoos hota hai, 0.79% hai Fund B ke, jabki 1% hai Fund A ke. Aapko chahiye ki aap Fund A ko chunein, lekin yeh depend karta hai aapke riske tolerance par.
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 SBI Blue Chip Fund?
- Expense ratio: 0.79%
- 3Y return: 31.25%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 2.18
📈 SIP Suitability
SIP ke liye, Fund A aur Fund B dono fund hain, lekin aapke liye Fund A behtar hai. Fund A ka consistency aur return stability Fund B se acha hai, lekin yeh aapke liye depend karta hai. Aapko chahiye ki aap Fund A ka monthly SIP chunein.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio sabhi factors hain jo aapko fund chunne mein madad karte hain. Fund A ka riskometer moderately high hai, jabki Fund B ka very high hai. Volatility bhi Fund B mehsoos hota hai, 11.35 hai Fund B ka, jabki 9.34 hai Fund A ka. Sharpe ratio bhi Fund B mehsoos hota hai, 2.18 hai Fund B ka, jabki 0.61 hai Fund A ka. Expense ratio bhi aapke liye Fund B mehsoos hota hai, 0.79% hai Fund B ke, jabki 1% hai Fund A ke. Fund A aapke liye behtar fund hai, lekin yeh depend karta hai aapke riske tolerance par.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration dono factors hain jo aapko fund chunne mein madad karte hain. Fund A ka asset allocation Fund B se acha hai, Equity 68.12% hai Fund A ke, jabki 97.26% hai Fund B ke. Top holdings concentration bhi Fund A mehsoos hota hai, TVS Motor Company Ltd. 5.25% hai Fund A ke, jabki HDFC Bank Ltd. 8.73% hai Fund B ke. Fund A aapke liye behtar fund hai, lekin yeh depend karta hai aapke riske tolerance par.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
SBI Blue Chip Fund
₹4110903.05
@31.3% 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, SBI Blue Chip Fund, logon ke liye behtar fund hai, lekin yeh aapke liye nahi hai. Fund B ka 3Y return 31.25% hai, jabki Fund A ka 5Y return 11.25% hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B higher risk fund hai, lekin yeh aapke liye nahi hai. Fund B ka volatility 11.35 hai, jabki Fund A ka 9.34 hai. Sharpe ratio bhi Fund B mehsoos hota hai, 2.18 hai Fund B ka, jabki 0.61 hai Fund A ka.
Q3: Which fund is more cost‑effective?
Haan, Fund A aapke liye behtar fund hai aur expense ratio bhi Fund A mehsoos hota hai, 1% hai Fund A ke, jabki 0.79% hai Fund B ke.
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