Axis Liquid Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
6.55%
Aaj hum dono hai Fund A: Axis Liquid Fund aur Fund B: Motilal Oswal Liquid Fund ka analysis karne wale hain. Ye do funds Liquid category mein hai aur humein yeh jaanna hoga ki in dono mein se kis fund ka long-term wealth creation ke liye best option hai.
[VERDICT]| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | Motilal Oswal |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 3096.85 | 14.67 |
| AUM (₹ Cr) | 5.16 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 4.36 | 0.42 |
| 1 Year Return (%) | 6.25% | 5.84% |
| 3 Year Return (%) | 6.98% | 6.55% |
| 5 Year Return (%) | 6.17% | 5.76% |
| Since Launch (%) | 6.86% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Niket Shah (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | CP: 53.47% | CD: 31.44% | T-Bills: 11.86% | Debenture: 0.88% | Money Mkt: 0.39% | Bonds/NCD: 0.28% | NCD: 0.24% | Debt: 0.09% | IRS: 0.0% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 207% | 261% |
🤖 AI Verdict – Which is Better?
Hum dono funds ka analysis karke dekha hai ki Fund A ka 3Y return 6.98% hai, jiska mukhya fund Motilal Oswal Liquid Fund ka 3Y return 6.55% hai. Lekin expense ratio ka dhyaan rakhna zaroori hai. Fund A ka expense ratio 0.11% hai, jiska mukhya fund Motilal Oswal Liquid Fund ka expense ratio 0.12% hai. Riskometer bhi ek importnt factor hai, jiska mukhya fund dono funds ka riskometer Low hai. Haan, Fund A ka Sharpe ratio 4.36 hai, jiska mukhya fund Motilal Oswal Liquid Fund ka Sharpe ratio 0.42 hai. Sach ye hai, Fund A aapke liye better option hai.
[SIP_SUITABILITY]Why consider Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
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
Ab hum yeh jaanna chahte hain ki kis fund aapke liye best hai SIP ke liye. SIP ke liye Fund B ka asset allocation thoda alag hai. Yeh fund T-Bills, CD aur CP mein lagbhag 95% ka investment karta hai. Lekin Fund A ka asset allocation CP, CD aur T-Bills mein lagbhag 96.75% ka investment karta hai. Haan, Fund A ka long-term return stability thoda better hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Ab hum yeh jaanna chahte hain ki kis fund aapke liye better hai risk aur cost ke mukhya. Fund A ka riskometer Low hai, lekin volatility 0.11 hai. Fund B ka riskometer bhi Low hai, lekin volatility 0.12 hai. Sharpe ratio ka dhyaan rakhna zaroori hai. Fund A ka Sharpe ratio 4.36 hai, jiska mukhya fund Motilal Oswal Liquid Fund ka Sharpe ratio 0.42 hai. Haan, Fund A ka expense ratio 0.11% hai, jiska mukhya fund Motilal Oswal Liquid Fund ka expense ratio 0.12% hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Ab hum yeh jaanna chahte hain ki kis fund aapke liye better hai asset allocation aur top holdings ka mukhya. Fund A ka asset allocation CP, CD aur T-Bills mein lagbhag 96.75% ka investment karta hai. Yeh fund Reserve Bank of India, National Bank For Agriculture & Rural Development aur Reliance Jio Infocomm Ltd. mein lagbhag 9.73% ka investment karta hai. Fund B ka asset allocation T-Bills, CD aur CP mein lagbhag 95% ka investment karta hai. Yeh fund State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein lagbhag 22.5% ka investment karta hai.
[FAQ]SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% 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 6.17% hai, jiska mukhya fund Motilal Oswal Liquid Fund ka 5Y return 5.76% hai. Haan, Fund A ka long-term return stability thoda better hai.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund A ka volatility 0.11 hai, jiska mukhya fund Motilal Oswal Liquid Fund ka volatility 0.12 hai. Haan, Fund A ka Sharpe ratio 4.36 hai, jiska mukhya fund Motilal Oswal Liquid Fund ka Sharpe ratio 0.42 hai.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load (if provided). Fund A ka expense ratio 0.11% hai, jiska mukhya fund Motilal Oswal Liquid Fund ka expense ratio 0.12% hai. Haan, dono funds mein exit load N/A 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