Motilal Oswal Large Cap Fund vs Baroda BNP Paribas Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
14.62%
Chaliye, let's start with a comparison of two large-cap funds - Motilal Oswal Large Cap Fund and Baroda BNP Paribas Large Cap Fund. Both funds are categorized as large-cap and have their own strengths and weaknesses. This analysis will help you understand how these funds perform over different time periods and which one is suitable for your investment needs.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BBaroda BNP Paribas Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Baroda BNP Paribas |
| Category | Large Cap | Large Cap |
| NAV (₹) | 13.56 | 251.36 |
| AUM (₹ Cr) | 5.35 Lac Cr | 2.15 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 12.29 | 13.08 |
| Sharpe Ratio | 0.46 | 0.62 |
| 1 Year Return (%) | -1.96% | -0.15% |
| 3 Year Return (%) | 12.12% | 14.62% |
| 5 Year Return (%) | 12.11% | 11.06% |
| Since Launch (%) | 14.83% | 13.34% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 12 February 2024 | 14 March 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Niket Shah (3.5 years yrs) | Sanjay Chawla (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 | 26% | 34% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, we need to focus on consistency and stability. Based on 3Y return, expense ratio, and risk, I would say that Baroda BNP Paribas Large Cap Fund is a better choice. It has a higher 3Y return of 14.62% compared to Motilal Oswal Large Cap Fund's 12.12%. Additionally, Baroda BNP Paribas has a lower expense ratio of 0.52% compared to Motilal Oswal's 0.82%. Although both funds have a very high risk level, Baroda BNP Paribas seems to offer better risk-adjusted returns.
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 Baroda BNP Paribas Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.62%
- AUM: 2.15 Lac Cr
- Sharpe Ratio: 0.62
📈 SIP Suitability
Haan, for a monthly SIP for 10+ years, I would recommend Baroda BNP Paribas Large Cap Fund. Its consistency and return stability make it a better choice for long-term SIP investors. Although both funds have a similar asset allocation, Baroda BNP Paribas has a higher 3Y return and a lower expense ratio, making it a more suitable option for SIP investors.
⚠️ Risk & Cost Analysis
Lekin, let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Both funds have a very high risk level, but Baroda BNP Paribas has a slightly lower volatility of 13.08 compared to Motilal Oswal's 12.29. However, Baroda BNP Paribas has a higher Sharpe ratio of 0.62 compared to Motilal Oswal's 0.46. Considering the expense ratio, Baroda BNP Paribas is more cost-effective with a lower expense ratio of 0.52% compared to Motilal Oswal's 0.82%. Overall, Baroda BNP Paribas offers better risk-adjusted returns.
📊 Portfolio Diversification
Chaliye, let's compare the asset allocation and top holdings concentration of both funds. Both funds have a similar asset allocation of 96% equity and 4% T-Bills. However, they have different top holdings with HDFC Bank, ICICI Bank, and Reliance Industries being the top three holdings for both funds. Although the concentration of top holdings is similar, there is no sector risk mentioned in the data provided. Therefore, we cannot conclude which fund is more diversified.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Baroda BNP Paribas Large Cap Fund
₹1361101.96
@14.6% 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?
Baroda BNP Paribas Large Cap Fund gives better returns in the long run with a 5Y return of 11.06% compared to Motilal Oswal Large Cap Fund's 12.11%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund is not necessarily worth it. Although Baroda BNP Paribas has a higher risk level, it offers better risk-adjusted returns with a higher Sharpe ratio of 0.62 compared to Motilal Oswal's 0.46.
Q3: Which fund is more cost-effective?
Baroda BNP Paribas Large Cap Fund is more cost-effective with a lower expense ratio of 0.52% compared to Motilal Oswal Large Cap Fund's 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