Motilal Oswal Large Cap Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
6.92%
Aaj hum do fundon ke beech ka comparison karne ja rhe hain, Motilal Oswal Large Cap Fund aur Baroda BNP Paribas Liquid Fund. Ye dono fund different categories mein hain aur unke returns aur risk bhi alag-alag hain. Is article mein hum dekhege ki konsa fund long-term wealth creation ke liye better hai aur kya vahan SIP karne se fayda hoga.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Baroda BNP Paribas |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 3208.35 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.11 |
| Sharpe Ratio | 0.46 | 3.82 |
| 1 Year Return (%) | -1.96% | 6.16% |
| 3 Year Return (%) | 12.12% | 6.92% |
| 5 Year Return (%) | 12.11% | 6.14% |
| Since Launch (%) | 14.83% | 6.88% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 12 February 2024 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Niket Shah (3.5 years yrs) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, Fund A ki 3Y return (12.12%) Fund B ki 3Y return (6.92%) se acchi hai. Lekin expense ratio ke hisab se, Fund B (0.12%) Fund A (0.82%) se kamjor hai. Isliye, Fund B long-term wealth creation ke liye better fund hai.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
Monthly SIP ke liye, Fund A ki consistency aur return stability Fund B ki kamjor hai. Lekin, Fund A ki jada risk (Riskometer: Very High) Fund B ki kamjor (Riskometer: Low) hai. Isliye, SIP ke liye Fund A kamjor fund hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, Fund A ki risk Fund B ki kamjor hai. Lekin, volatility ke hisab se, Fund A ki volatility Fund B ki kamjor hai. Sharpe ratio ke hisab se, Fund B ki Sharpe ratio Fund A ki kamjor hai. Lekin expense ratio ke hisab se, Fund B (0.12%) Fund A (0.82%) se kamjor hai. Isliye, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund B ki asset allocation Fund A ki kamjor hai. Lekin, top holdings concentration ke hisab se, Fund A ki top holdings concentration Fund B ki kamjor hai. Isliye, Fund B portfolio diversification mein accha hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@6.9% 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?
Sach ye hai ki Fund A ki 5Y return (12.11%) Fund B ki 5Y return (6.14%) se acchi hai. Isliye, Fund A long run mein better fund hai.
Q2: Is the higher risk fund worth it?
Volatility ke hisab se, Fund A ki volatility Fund B ki kamjor hai. Lekin Sharpe ratio ke hisab se, Fund B ki Sharpe ratio Fund A ki kamjor hai. Isliye, Fund B ki higher risk worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ki expense ratio (0.12%) Fund A ki expense ratio (0.82%) se kamjor hai. Isliye, Fund B 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