ICICI Prudential Balanced Advantage Fund vs UTI Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
14.7%
Chaliye dekho, main aapko do funds ki tulna karne wala hoon - ICICI Prudential Balanced Advantage Fund aur UTI Mutual Fund Large Cap Fund. Ye dono funds apne category mein kuch alag hi hai. Fund A Hybrid hai aur Fund B Large Cap. Aapko is article mein pata chalega ki kis fund mein aapko long-term wealth creation ke liye invest karne ka mauka milega.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BUTI Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | UTI Mutual Fund |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 497.22 |
| AUM (₹ Cr) | 7.06 Lac Cr | 2.00 Lac Cr |
| Expense Ratio (%) | 1% | 0.52% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 11.79 |
| Sharpe Ratio | 0.61 | 0.7 |
| 1 Year Return (%) | 4.35% | -4.02% |
| 3 Year Return (%) | 12.2% | 14.7% |
| 5 Year Return (%) | 11.25% | 12.03% |
| Since Launch (%) | 12.54% | 11.65% |
| 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) | V. Srivatsa (3.5 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. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 451% | 21% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ki 3Y return 12.2% hai, jo ki Fund B ki 14.7% se kam hai. Lekin expense ratio ka dhyaan rakhna zaroori hai, jiska Fund A 1% hai, jabki Fund B 0.52% hai. Riskometer bhi ek importatnt factor hai, jiska Fund A Moderately High hai, jabki Fund B Very High hai. Toh our verdict hai ki Fund B 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 UTI Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.00 Lac Cr
- Sharpe Ratio: 0.7
📈 SIP Suitability
SIP suitabilita kis fund mein aapko monthly SIP ke liye 10+ saal ke liye invest karne ka mauka milega. Fund A ki consistency aur return stability Fund B se zyada hai. Isliye Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ka compare karte hain. Fund A ki riskometer Moderately High hai, jabki Fund B Very High hai. Volatility ka dhyaan rakhna zaroori hai, jiska Fund A 9.34 hai, jabki Fund B 11.79 hai. Sharpe ratio bhi ek importatnt factor hai, jiska Fund B 0.7 hai, jabki Fund A 0.61 hai. Isliye Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka compare karte hain. Fund A ki asset allocation Equity mein 68.12% hai, jabki Fund B mein 96.00% hai. Top holdings concentration bhi ek importatnt factor hai, jiska Fund A ki top 3 holdings TVS Motor Company Ltd., ICICI Bank Ltd., aur HDFC Bank Ltd. hai, jabki Fund B ki top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Isliye Fund A portfolio diversification mein better hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
UTI Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 ki 5Y return 12.03% hai, jo ki Fund A ki 11.25% se zyada hai. Isliye Fund B long run mein better returns offer karta hai.
Q2: Is the higher risk fund worth it?
Fund B ki volatility 11.79 hai, jo ki Fund A ki 9.34 se zyada hai. Sharpe ratio bhi Fund B ki 0.7 hai, jo ki Fund A ki 0.61 se zyada hai. Isliye Fund B ke risk ke baare mein sochna zaroori hai.
Q3: Which fund is more cost-effective?
Fund B ki expense ratio 0.52% hai, jo ki Fund A ki 1% se kam hai. Isliye Fund B 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