ICICI Prudential Balanced Advantage Fund vs SBI Contra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
16.36%
Chaliye dekho, aaj hum do mutual funds ki talaash kar rahe hain – ICICI Prudential Balanced Advantage Fund aur SBI Contra Fund. Fund A hybrid category mein hai, jabki Fund B multi cap category mein hai. Aaj hum jaane ki koshish karenge ki kya fund long-term wealth creation ke liye accha hai?
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BSBI Contra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | SBI Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 84.60 | 408.51 |
| AUM (₹ Cr) | 7.06 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 1% | 0.72% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 13.7 |
| Sharpe Ratio | 0.61 | 0.72 |
| 1 Year Return (%) | 4.35% | -1.21% |
| 3 Year Return (%) | 12.2% | 16.36% |
| 5 Year Return (%) | 11.25% | 18.26% |
| Since Launch (%) | 12.54% | 15.48% |
| 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) | Dinesh Balachandran; Pradeep Kesavan (8.1 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. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) |
| 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: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% |
| Portfolio Turnover | 451% | 130% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B SBI Contra Fund long-term wealth creation ke liye accha hai, lekin iski expense ratio Fund A ki compare mein kafi high hai. Fund B ka 3Y return 16.36% hai, jabki Fund A ka 3Y return 12.2% hai. Lekin Fund B ka riskeometer bhi very high hai, jisse risk-averse investors ko aakarshit karna chahiye. Fund A ka riskometer moderate high hai, jisse iska risk assessment thoda kam 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 SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
SIP ke liye Fund A accha hai, kyonki iski return stability Fund B ki compare mein achhi hai. Fund A ka 1Y return 4.35% hai, jabki Fund B ka 1Y return -1.21% hai. Lekin Fund B ka consistency bhi bahut achha hai, lekin iski expense ratio Fund A ki compare mein kafi high hai.
⚠️ Risk & Cost Analysis
Fund B ka volatility 13.7 hai, jabki Fund A ka volatility 9.34 hai. Lekin Fund B ka Sharpe ratio 0.72 hai, jabki Fund A ka Sharpe ratio 0.61 hai. Fund B ka expense ratio 0.72% hai, jabki Fund A ka expense ratio 1% hai. To, Fund B ka risk-adjusted return Fund A ki compare mein achha hai.
📊 Portfolio Diversification
Fund A ka asset allocation thoda kam diversified hai, kyonki iska equity share 68.12% hai. Lekin Fund B ka asset allocation thoda zyada diversified hai, kyonki iska equity share 81.12% hai. Fund B ka top holding HDFC Bank Ltd. hai, jiska share 6.59% hai. Fund A ka top holding TVS Motor Company Ltd. hai, jiska share 5.25% hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
SBI Contra Fund
₹1516047.14
@16.4% 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?
Fund B ka 5Y return 18.26% hai, jabki Fund A ka 5Y return 11.25% hai. To, Fund B Fund A ki compare mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 13.7 hai, jabki Fund A ka volatility 9.34 hai. Lekin Fund B ka Sharpe ratio 0.72 hai, jabki Fund A ka Sharpe ratio 0.61 hai. To, Fund B ka risk-adjusted return Fund A ki compare mein achha hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 1% hai, jabki Fund B ka expense ratio 0.72% hai. To, Fund B Fund A ki compare mein 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