ICICI Prudential Balanced Advantage Fund vs Motilal Oswal Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.2%
3Y Return
12.12%
Dekho, aapke paas do funds hain, Fund A ka naam hai ICICI Prudential Balanced Advantage Fund aur Fund B ka naam hai Motilal Oswal Large Cap Fund. Sabse pehle, hum unke categories ko dekhenge aur phir humein pata chalega ki aap ke liye kya sunishchit karne ke liye yeh dono funds upyukt hain.
| Parameter | AICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | BMotilal Oswal Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Motilal Oswal |
| Category | Hybrid | Large Cap |
| NAV (₹) | 84.60 | 13.56 |
| AUM (₹ Cr) | 7.06 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 1% | 0.82% |
| Riskometer | Moderately High | Very High |
| Volatility | 9.34 | 12.29 |
| Sharpe Ratio | 0.61 | 0.46 |
| 1 Year Return (%) | 4.35% | -1.96% |
| 3 Year Return (%) | 12.2% | 12.12% |
| 5 Year Return (%) | 11.25% | 12.11% |
| Since Launch (%) | 12.54% | 14.83% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 12 February 2024 |
| Exit Load | Nil | Nil |
| Fund Manager | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) | Niket Shah (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% | 26% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ki 3Y return 12.2% hai, lekin expense ratio 1% hai. Fund B ki 3Y return 12.12% hai, lekin expense ratio 0.82% hai. Iske baavajood, Fund A ki riskometer moderately high hai aur Fund B ki very high hai. Haan, Fund A ki volatility 9.34 hai, lekin Fund B ki 12.29 hai. Chaliye, hum sochte hain ki koi fund kitna achha hai. Fund A ki long-term wealth creation ke liye better hai, kyonki expense ratio kam hai aur riskometer moderate 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 Motilal Oswal Large Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 12.12%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.46
📈 SIP Suitability
Ek monthly SIP ke liye, humein lagta hai ki Fund A upyukt hai. Yeh fund 10+ saal ke liye aapke nivesh ko sthir rakhne mein madad karega. Fund B ki volatility aur expense ratio Fund A ke compared me zyada hai, isliye humein lagta hai ki aap Fund A ke liye SIP kar sakte hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke comparison ke liye, humein lagta hai ki Fund A Fund B ke compared me bhaari hai. Fund A ki volatility 9.34 hai, jiska Sharpe ratio 0.61 hai, jabki Fund B ki volatility 12.29 hai, jiska Sharpe ratio 0.46 hai. Isliye, humein lagta hai ki Fund A aapke risk-adjusted returns ke liye upyukt hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye, humein lagta hai ki Fund A Fund B ke compared me bhaari hai. Fund A ki asset allocation ek balance hai, jismein equity 68.12% hai, CD 4.05% hai aur REITs 3.85% hai. Fund B ki asset allocation zyada hi concentration hai, jismein equity 96% hai aur T-Bills 4% hai. Isliye, humein lagta hai ki Fund A aapke portfolio mein diversification ke liye upyukt hai.
SIP Calculator – Compare Growth Potential
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% annual return (3Y)
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% 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 5Y me 11.25% return offer karta hai, jabki Fund B 5Y me 12.11% return offer karta hai. Isliye, humein lagta hai ki Fund B Fund A ke compared me bhaari hai.
Q2: Is the higher risk fund worth it?
Fund B ki volatility 12.29 hai, jabki Fund A ki volatility 9.34 hai. Fund B ka Sharpe ratio 0.46 hai, jabki Fund A ka Sharpe ratio 0.61 hai. Isliye, humein lagta hai ki Fund A aapke risk-adjusted returns ke liye upyukt hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 1% hai, jabki Fund B ka expense ratio 0.82% hai. Isliye, humein lagta hai ki Fund B Fund A ke compared me 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