Motilal Oswal Large Cap Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
6.98%
Agar aap Large Cap aur Liquid Funds mein saavdhan hai, toh yeh article aapke liye hoga. Hum apne paas do funds kee vishleshan karenge - Motilal Oswal Large Cap Fund aur Bandhan Mutual Fund Liquid Fund. Dekho, iske baad aapko pata chalega ki kunko chunna hai.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Bandhan Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 39.33 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.12 |
| Sharpe Ratio | 0.46 | 4 |
| 1 Year Return (%) | -1.96% | 1.41% |
| 3 Year Return (%) | 12.12% | 6.98% |
| 5 Year Return (%) | 12.11% | 5.96% |
| Since Launch (%) | 14.83% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 12 February 2024 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Niket Shah (3.5 years yrs) | Manish Gunwani (3.5 years yrs) |
| Benchmark | Nifty 50 | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 26% | 251% |
🤖 AI Verdict – Which is Better?
Haan, fund chunne ke liye humein kai factors ko dekna hoga. Chaliye, kuchh sabse mahatvapurn factors par vichar karein. Motilal Oswal Large Cap Fund ne 3 saal mein 12.12% ka return diya hai, jabki Bandhan Mutual Fund Liquid Fund ne koi 6.98% ka return diya hai. Iske alawa, Motilal Oswal Large Cap Fund ka expense ratio 0.82% hai, jo ki Bandhan Mutual Fund Liquid Fund ka expense ratio (0.12%) se adhik hai. Riskometer ka dhyan rakhte hue, hum Motilal Oswal Large Cap Fund ko long-term wealth creation ke liye acha fund banana chahte hain.
Why consider Motilal Oswal Large Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 12.12%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.46
Why consider Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Haan, SIP ke liye fund chunne mein kuchh saavdhanpan ki zaroorat hoti hai. Dekho, Motilal Oswal Large Cap Fund ka 1 saal ka return -1.96% hai, jabki Bandhan Mutual Fund Liquid Fund ka 1 saal ka return 1.41% hai. Iske alawa, Motilal Oswal Large Cap Fund ka 3 saal ka return 12.12% hai, jo ki Bandhan Mutual Fund Liquid Fund ka 3 saal ka return (6.98%) se adhik hai. Isliye, Motilal Oswal Large Cap Fund SIP ke liye acha fund banana chahiye.
⚠️ Risk & Cost Analysis
Lekin, riskometer, volatility aur Sharpe ratio ka bhi dhyan rakna hoga. Motilal Oswal Large Cap Fund ka riskometer Very High hai, jabki Bandhan Mutual Fund Liquid Fund ka riskometer Low hai. Iske alawa, Motilal Oswal Large Cap Fund ka volatility 12.29 hai, jabki Bandhan Mutual Fund Liquid Fund ka volatility 0.12 hai. Iske alawa, Motilal Oswal Large Cap Fund ka Sharpe ratio 0.46 hai, jo ki Bandhan Mutual Fund Liquid Fund ka Sharpe ratio (4) se kam hai. Isliye, Bandhan Mutual Fund Liquid Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Haan, asset allocation aur top holdings concentration ka bhi dhyan rakna hoga. Motilal Oswal Large Cap Fund ka asset allocation Equity: 96.00% | T-Bills: 4.00% hai, jabki Bandhan Mutual Fund Liquid Fund ka asset allocation T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% hai. Iske alawa, Motilal Oswal Large Cap Fund ka top 3 holdings HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) hain, jabki Bandhan Mutual Fund Liquid Fund ka top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) hain. Isliye, Bandhan Mutual Fund Liquid Fund ke asset allocation mein adhik diversification hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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?
Motilal Oswal Large Cap Fund ne 5 saal mein 12.11% ka return diya hai, jabki Bandhan Mutual Fund Liquid Fund ne koi 5.96% ka return diya hai. Isliye, Motilal Oswal Large Cap Fund long run mein acha fund banana chahiye.
Q2: Is the higher risk fund worth it?
Haan, Motilal Oswal Large Cap Fund ka riskometer Very High hai, lekin iska Sharpe ratio 0.46 hai, jo ki Bandhan Mutual Fund Liquid Fund ka Sharpe ratio (4) se kam hai. Isliye, Motilal Oswal Large Cap Fund ka higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Bandhan Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki Motilal Oswal Large Cap Fund ka expense ratio (0.82%) se kam hai. Isliye, Bandhan Mutual Fund Liquid Fund more 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