ICICI Prudential Balanced Advantage Fund vs SBI Focused Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
18.13%
Chaliye dekhiye do fundon ka comparison. Fund A hai ICICI Prudential Balanced Advantage Fund aur Fund B hai SBI Focused Fund. Dono fund Hybrid aur Multi Cap category mein aate hain. Aapko is article mein pata chalega ki dono fundon mein kya differences hain aur kya aapko invest karne ke liye sunishchit karne ke liye hai.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BSBI Focused Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | SBI Mutual Fund |
| Category | Hybrid | Multi Cap |
| NAV (₹) | 84.60 | 432.21 |
| AUM (₹ Cr) | 7.06 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 1% | 1.47% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 13.25 |
| Sharpe Ratio | 0.61 | 0.88 |
| 1 Year Return (%) | 4.35% | 12.11% |
| 3 Year Return (%) | 12.2% | 18.13% |
| 5 Year Return (%) | 11.25% | 15.02% |
| Since Launch (%) | 12.54% | 15.63% |
| 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) | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 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%) | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) |
| 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: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% |
| Portfolio Turnover | 451% | 45% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki long-term wealth creation ke liye Fund B, SBI Focused Fund, better hai. Uska 3Y return 18.13% hai, jo ki Fund A ki 12.2% se zyada hai. Lekin expense ratio bhi zyada hai, 1.47% versus Fund A ki 1%. Riskometer bhi bahut high hai, lekin Sharpe ratio 0.88 hai, jo ki Fund A ki 0.61 se zyada hai. Haan, Fund B ki risk bhi high hai, lekin returns bhi zyada.
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 Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
📈 SIP Suitability
Haan, Fund B, SBI Focused Fund, monthly SIP ke liye better hai. Uska consistency aur return stability Fund A se zyada hai. Lekin, aapko isse aage ki situation mein bhi samajhna hoga, jab market mein ghatnaaon ki ghat nahin hoti hai. Dekhiye kya Fund A ki stability Fund B ki consistency se zyada hai.
⚠️ Risk & Cost Analysis
Fund A ki riskometer moderately high hai, jabki Fund B ki bahut high hai. Volatility bhi Fund B mein 13.25 hai, jabki Fund A mein 9.34 hai. Lekin Sharpe ratio Fund B mein 0.88 hai, jabki Fund A mein 0.61 hai. Expense ratio bhi Fund B mein 1.47% hai, jabki Fund A mein 1%. Haan, Fund B ki risk bhi zyada hai, lekin returns bhi zyada.
📊 Portfolio Diversification
Fund A ki asset allocation bahut distributed hai, jabki Fund B ki nahin. Equity Fund A mein 68.12% hai, jabki Fund B mein 76.29% hai. Foreign equity bhi Fund B mein 14.88% hai, jabki Fund A mein nahin hai. Lekin, Fund A ki asset allocation Fund B ki diversification se zyada hai, kyonki usmein zyada asset class hain.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
SBI Focused Fund
₹1695258.29
@18.1% 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 A ka 5Y return 11.25% hai aur Fund B ka 5Y return 15.02% hai. Iske hisab se, Fund B ka long-run return zyada hai.
Q2: Is the higher risk fund worth it?
Fund B ka riskometer very high hai aur volatility 13.25 hai. Lekin, Sharpe ratio ke hisab se, Fund B ka risk-adjusted return zyada hai. Iske hisab se, Fund B ka higher risk worth hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 1% hai aur Fund B ka expense ratio 1.47% hai. Iske hisab se, Fund A zyada 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