Angel One Mutual Fund Liquid Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
6.55%
Chaliye, dekho kaise hain do fundon ka category aur hum aapko batayenge ki aapko kis fund mein invest karna chahiye. Fund A aur Fund B dono wahan hain liquid funds category mein, lekin hum aapko batayenge ki aapko kis fund mein invest karna chahiye. Hum aapko fundon ki comparison karke, SIP kis fund ke liye achha hoga, aur risk and cost analysis ke baare mein bhi batayenge.
[VERDICT]
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Motilal Oswal |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 2132.04 | 14.67 |
| AUM (₹ Cr) | 4.67 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 2.36 | 0.42 |
| 1 Year Return (%) | 6.03% | 5.84% |
| 3 Year Return (%) | 6.76% | 6.55% |
| 5 Year Return (%) | 5.95% | 5.76% |
| Since Launch (%) | 6.23% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Niket Shah (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 221% | 261% |
🤖 AI Verdict – Which is Better?
Hum aapko batayenge ki 3Y return, expense ratio, aur risk ke aadhar par Fund A ya Fund B better hai. Fund A ke 3Y return 6.76% hain, jo ki Fund B ke 3Y return 6.55% se jyaada hai. Lekin expense ratio mein dono fundon mein koi aisa farak nahi hai. Haan, riskometer mein bhi dono fundon ko low risk fund milta hai, lekin volatility mein Fund A thoda kam hai.
[SIP_SUITABILITY]
Why consider Angel One Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
Why consider Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
SIP ke liye dono fundon ka consistency aur return stability ka comparison karte hain. Fund A ke 1Y return 6.03% hai, jo ki Fund B ke 5.84% se jyaada hai. Iske alawa, Fund A ke 3Y return bhi Fund B ke 3Y return se jyaada hai. Haan, lekin 5Y return mein Fund B jyaada hai. Dekho, dono fundon ka consistency aur return stability ka comparison karte hain, toh Fund A ke liye SIP achha hoga.
[RISK_COST]
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karte hain. Fund A ka riskometer low hai, aur volatility bhi kam hai. Sharpe ratio mein bhi Fund A jyaada hai. Haan, expense ratio mein dono fundon mein koi aisa farak nahi hai. Iske alawa, Fund A ke AUM bhi jyaada hai. Sach ye hai, Fund A mein aapko better risk-adjusted returns mil sakte hain.
[PORTFOLIO_INSIGHT]
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karte hain. Fund A ka asset allocation T-Bills, CD, CP, aur cash mein hain. Top holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. Fund B ka asset allocation bhi T-Bills, CD, CP, aur cash mein hain. Top holdings mein bhi State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. Dekho, dono fundon ka asset allocation aur top holdings concentration ka comparison karte hain, toh dono fundon ka portfolio diversification thoda samaan hai.
[FAQ]
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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?
Answer based on 5Y/3Y returns. Fund A ka 5Y return 5.95% hai, jo ki Fund B ke 5.76% se jyaada hai. Iske alawa, Fund A ke 3Y return bhi Fund B ke 3Y return se jyaada hai. Dekho, Fund A long run mein aapko better returns de sakta hai.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund A ka volatility 0.11 hai, jo ki Fund B ke 0.12 se kam hai. Sharpe ratio mein bhi Fund A jyaada hai. Haan, lekin riskometer mein dono fundon ko low risk fund milta hai. Iske alawa, Fund A ke AUM bhi jyaada hai. Sach ye hai, Fund A mein aapko better risk-adjusted returns mil sakte hain.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load (if provided). Fund A aur Fund B dono ke expense ratio 0.12% hai, lekin koi exit load nahi diya gaya hai. Haan, lekin Fund A ke AUM bhi jyaada hai. Sach ye hai, dono fundon mein aapko same cost-effectiveness mil sakti 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