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
12.44%
Dekho, today we are comparing two popular funds - ICICI Prudential Balanced Advantage Fund and SBI Blue Chip Fund. Chaliye, let's explore their categories, long-term returns, and risk profiles to help you decide which one is better for your investment goals.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BSBI Blue Chip Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | SBI Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 166.74 |
| AUM (₹ Cr) | 7.06 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 1% | 1.43% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 11.37 |
| Sharpe Ratio | 0.61 | 0.52 |
| 1 Year Return (%) | 4.35% | -0.75% |
| 3 Year Return (%) | 12.2% | 12.44% |
| 5 Year Return (%) | 11.25% | 13.47% |
| Since Launch (%) | 12.54% | 22.61% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 18 November 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 | Nifty 50 |
| Top 3 Holdings | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) | HDFC Bank Ltd. (8.73%), 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, based on our analysis, we think ICICI Prudential Balanced Advantage Fund is a better bet for long-term wealth creation. Its 3Y return of 12.2% is impressive, and the expense ratio of 1% is relatively low. Riskometer-wise, it's Moderately High, which makes it suitable for investors seeking moderate returns with manageable risk.
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: 1.43%
- 3Y return: 12.44%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.52
📈 SIP Suitability
For a monthly SIP of 10+ years, we recommend ICICI Prudential Balanced Advantage Fund. Its consistent returns over the past 3 years and 5 years are a testament to its stability. Fund B, on the other hand, has a high risk profile, which might not be suitable for long-term SIPs.
⚠️ Risk & Cost Analysis
Lekin, when we compare riskometer, volatility, Sharpe ratio, and expense ratio, we see that ICICI Prudential Balanced Advantage Fund offers better risk-adjusted returns. Its Sharpe ratio of 0.61 is higher than Fund B's 0.52, indicating that it generates returns with less volatility. The expense ratio of 1% is also lower.
📊 Portfolio Diversification
Looking at the asset allocation, we see that ICICI Prudential Balanced Advantage Fund is more diversified, with a mix of equity, debt, and other assets. Fund B, on the other hand, has a high concentration in large-cap stocks, which might increase sector risk. Dekho, this is something to consider when choosing between the two funds.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
SBI Blue Chip Fund
₹1192614.40
@12.4% 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 has a 5Y return of 11.25% and a 3Y return of 12.2%, making it a better bet for long-term wealth creation.
Q2: Is the higher risk fund worth it?
Haan, lekin if you're willing to take on higher risk, Fund B might offer higher returns. However, its volatility and Sharpe ratio are lower than Fund A's, indicating less risk-adjusted returns.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A's expense ratio of 1% is lower than Fund B's 1.43%, making it a more cost-effective option.
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