HDFC Balanced Advantage Fund

HDFC Balanced Advantage Fund is a hybrid mutual fund^^ that aims to provide investors with long-term capital appreciation while managing risk through a dynamic asset allocation strategy. It follows a blend of equity and debt investments, making it suitable for investors who seek moderate returns with relatively lower volatility compared to pure equity funds.

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Fund in Brief

Parameter Value
Minimum SIP Amount ₹100
Minimum Investment Amount (One-Time/First-Time) ₹100
Minimum Investment Amount (Additional Purchase) ₹100
Type Open-Ended Fund
Scheme Asset Size ₹52,079.29 Cr
Expense Ratio 0.88%
Cash Holding 11.97%
Benchmark NIFTY 50 Hybrid Composite Debt 50:50 Index

Key Features of HDFC Balanced Advantage Fund

  • Dynamic Asset Allocation: One of the key features of HDFC Balanced Advantage Fund is its ability to dynamically allocate its assets between equity and debt instruments based on market conditions. This feature allows the fund to take advantage of potential opportunities in the market while managing risks.

  • Diversification: HDFC Balanced Advantage Fund diversifies its portfolio across different sectors, market capitalizations, and credit ratings to manage risk effectively. This diversification helps in spreading the risk and reducing the impact of volatility in a specific segment or sector, thereby enhancing the stability of the portfolio.

Who Can Invest in This Fund? 

This fund is suitable for investors who seek:

  • To generate long-term capital appreciation/income

  • Investments in a mix of equity and debt instruments

Fund Allocation

The fund allocates 66.99% of its investments to domestic equities, with 47.13% in Large Cap stocks, 6.08% in Mid Cap stocks, and 6.1% in Small Cap stocks. 

Additionally, the fund has 26.99% invested in Debt, with 17.99% in Government securities and 9% in low risk securities.

Fund Annualized Returns 

Category: Dynamic Asset Allocation Annualized

1Y 3Y 5Y All
Fund returns (%) 12.3 29.1 13.0 14.2
Category Avg. (%) 3.0 14.9 7.3 -
Rank in category 1 1 - -

Fund Comparison

  • HDFC Balanced Advantage Fund is a premier mutual fund with a commendable reputation.

  • The fund has a prestigious 4-star rating and a substantial size of INR 51,042.46 Crores.

  • The fund has shown impressive returns with a 12.3% return over the past year and a 29.1% return over the past three years.

  • The consistent returns are attributed to the fund's astute investment strategies and diligent management by HDFC Asset Management Company Limited.

  • HDFC Asset Management Company Limited is a leading name in the mutual fund industry.

People Also Read: HDFC Life Flexi Cap Fund

Risk Factor

HDFC Balanced Advantage Fund, while offering potential for attractive returns, is categorized as a high-risk investment option. Returns are market-linked, which makes it a volatile option for investment.

Thorough knowledge of stock market movements can help manage risk efficiently. 

Exit Load

For units in excess of 15% of the investment, 1% will be charged for redemption within 1 year.

In Conclusion

The fund's historical performance has been relatively stable, with a track record of delivering competitive returns over the long term, although past performance is not indicative of future results. The fund's ability to switch between asset classes makes it suitable for investors seeking a diversified portfolio with potentially lower volatility compared to pure equity funds.


  • Q. What is the allocation by market cap of the HDFC Balanced Advantage Fund?

    Large Cap 46.48%
    Mid Cap 14.52%
    Small Cap 7.58%
    Others 0.14%
  • Q. What are the tax implications on the HDFC Balanced Advantage Fund?

    Ans. If units are sold within the first year of fund allotment, then you will be taxed under the 15% tax slab. Income less than Rs. 1 lac is exempted from tax, but income above that is taxed under the tax slab of 10%. 
  • Q. What is the ideal term duration for investing in HDFC Balanced Advantage Fund?

    Ans. As per the experts, the ideal investment horizon for the HDFC Balanced Advantage Fund should be three years.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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