ICICI Prudential Bluechip Fund vs Motilal Oswal Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.44%
3Y Return
12.12%
Today, we're comparing two popular large cap funds from top mutual fund houses in India. Fund A is the ICICI Prudential Bluechip Fund, while Fund B is the Motilal Oswal Large Cap Fund. Both funds have a very high riskometer rating and are suitable for aggressive investors. In this article, we'll analyze their performance, risk, and cost to determine which fund is better for long-term wealth creation.
| Parameter | AICICI Prudential Bluechip Fund - Direct Plan - Growth | BMotilal Oswal Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | ICICI Prudential | Motilal Oswal |
| Category | Large Cap | Large Cap |
| NAV (₹) | 83.91 | 13.56 |
| AUM (₹ Cr) | 5.81 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.52% | 0.82% |
| Riskometer | Very High | Very High |
| Volatility | 12.52 | 12.29 |
| Sharpe Ratio | 0.71 | 0.46 |
| 1 Year Return (%) | 24.48% | -1.96% |
| 3 Year Return (%) | 15.44% | 12.12% |
| 5 Year Return (%) | 12.65% | 12.11% |
| Since Launch (%) | 16.42% | 14.83% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 12 February 2024 |
| Exit Load | Nil | Nil |
| Fund Manager | Anish Tawakley; Vaibhav Dusad (6.5 years yrs) | Niket Shah (3.5 years yrs) |
| Benchmark | Nifty 50 | Nifty 50 |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 28% | 26% |
🤖 AI Verdict – Which is Better?
Based on our analysis, we recommend Fund A, ICICI Prudential Bluechip Fund, for long-term wealth creation. Although both funds have a very high riskometer rating, Fund A has outperformed Fund B in the 3-year return category. Additionally, its expense ratio is lower than Fund B, making it a more cost-effective option. However, investors should keep in mind that both funds are high-risk and suitable only for those with a high risk appetite.
Why consider ICICI Prudential Bluechip Fund?
- Expense ratio: 0.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
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
For a monthly SIP of 10+ years, we recommend Fund A, ICICI Prudential Bluechip Fund. Although Fund B has a higher 1-year return, Fund A's consistency in returns over the 3-year and 5-year period makes it a more stable option for long-term investments. Additionally, Fund A's asset allocation is similar to Fund B, but its top holdings are more diversified.
⚠️ Risk & Cost Analysis
Our risk and cost analysis reveals that both funds have a very high riskometer rating and high volatility. However, Fund A has a higher Sharpe ratio, indicating better risk-adjusted returns. On the other hand, Fund B has a higher expense ratio, making it less cost-effective. Therefore, we recommend Fund A for investors seeking better risk-adjusted returns.
📊 Portfolio Diversification
Both funds have a similar asset allocation, with 96% of their assets invested in equity and 4% in T-Bills. However, the concentration of top holdings is higher in Fund B. While Fund A's top 3 holdings are HDFC Bank Ltd., ICICI Bank Ltd., and Reliance Industries Ltd., Fund B also has the same top 3 holdings. This suggests that both funds have sector risk, but Fund A's asset allocation is more diversified.
SIP Calculator – Compare Growth Potential
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% 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?
Based on the 5-year return, Fund A, ICICI Prudential Bluechip Fund, has outperformed Fund B, Motilal Oswal Large Cap Fund, with a return of 12.65% compared to Fund B's return of 12.11%.
Q2: Is the higher risk fund worth it?
While both funds have high volatility, Fund A's Sharpe ratio is higher than Fund B's, indicating better risk-adjusted returns. However, investors should be aware that both funds are high-risk and suitable only for those with a high risk appetite.
Q3: Which fund is more cost-effective?
Fund A, ICICI Prudential Bluechip Fund, is more cost-effective than Fund B, Motilal Oswal Large Cap Fund, with an expense ratio of 0.52% compared to Fund B's expense ratio of 0.82%.
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