Motilal Oswal Large Cap Fund vs Canara Robeco Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
6.96%
Today, we are comparing two popular funds in India - Motilal Oswal Large Cap Fund and Canara Robeco Liquid Fund. Both funds cater to different investor needs, with the former being a Large Cap Fund suitable for long-term growth and the latter a Liquid Fund ideal for short-term liquidity. In this write-up, we will analyze and compare these funds to help you make an informed decision.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BCanara Robeco Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Canara Robeco |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 3337.33 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.95 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.11 |
| Sharpe Ratio | 0.46 | 4.18 |
| 1 Year Return (%) | -1.96% | 6.22% |
| 3 Year Return (%) | 12.12% | 6.96% |
| 5 Year Return (%) | 12.11% | 6.13% |
| Since Launch (%) | 14.83% | 6.72% |
| 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) | Shridatta Bhandwaldar (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% | 223% |
🤖 AI Verdict – Which is Better?
After analyzing these funds, we conclude that Motilal Oswal Large Cap Fund is better for long-term wealth creation. Its 3Y return of 12.12% is significantly higher than Canara Robeco Liquid Fund's 6.96%. Moreover, its expense ratio of 0.82% is higher, but its riskometer rating of Very High justifies the premium. If you're willing to take on higher risk for potential higher returns, this fund might be suitable for you.
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 Canara Robeco Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.96%
- AUM: 3.95 Lac Cr
- Sharpe Ratio: 4.18
📈 SIP Suitability
For a monthly SIP of 10+ years, we recommend Canara Robeco Liquid Fund. Its consistency and return stability are higher than Motilal Oswal Large Cap Fund, making it a safer bet for long-term investments. The liquid fund's low volatility and low expense ratio of 0.12% make it an attractive option for those seeking stable returns.
⚠️ Risk & Cost Analysis
Riskometer rating and volatility are essential factors to consider while investing. Motilal Oswal Large Cap Fund has a Very High riskometer rating, while Canara Robeco Liquid Fund has a Low rating. In terms of volatility, the former has 12.29%, while the latter has 0.11%. Sharpe ratio-wise, Motilal Oswal Large Cap Fund has 0.46, while Canara Robeco Liquid Fund has 4.18. Expense ratio-wise, Motilal Oswal Large Cap Fund has 0.82%, while Canara Robeco Liquid Fund has 0.12%. Based on these factors, Canara Robeco Liquid Fund appears to offer better risk-adjusted returns.
📊 Portfolio Diversification
Motilal Oswal Large Cap Fund has a 96% allocation to equity, indicating a concentrated portfolio. On the other hand, Canara Robeco Liquid Fund has a diversified asset allocation of 65% T-Bills, 20% CD, 10% CP, and 5% Cash. This makes it less dependent on any one particular asset class, reducing sector risk. Therefore, Canara Robeco Liquid Fund has a more diversified portfolio.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Canara Robeco Liquid Fund
₹868530.05
@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?
Based on 5Y and 3Y returns, Motilal Oswal Large Cap Fund offers better returns with 12.11% and 12.12% respectively, as compared to Canara Robeco Liquid Fund's 6.13% and 6.96% respectively.
Q2: Is the higher risk fund worth it?
No, the higher risk fund may not be worth it. Although Motilal Oswal Large Cap Fund offers higher returns, its higher volatility and riskometer rating make it less attractive. Canara Robeco Liquid Fund, with its lower volatility and Sharpe ratio, is a better option for risk-averse investors.
Q3: Which fund is more cost-effective?
Canara Robeco Liquid Fund is more cost-effective with an expense ratio of 0.12% compared to Motilal Oswal Large Cap Fund's 0.82%. This makes it a more attractive option for long-term investments.
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