Motilal Oswal Large Cap Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
16.22%
Ab humare paas do fund hain, Motilal Oswal Large Cap Fund aur HDFC ELSS Tax Saver Fund. Dono fund Large Cap aur ELSS category mein aate hain. Aaj hum dekhege ki dono fund ki comparison kaise karege aur koi ek fund kitna achha hai.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | HDFC Mutual Fund |
| Category | Large Cap | ELSS |
| NAV (₹) | 13.56 | 1325.00 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.82% | 1.24% |
| Riskometer | Very High | Very High |
| Volatility | 12.29 | 13.3 |
| Sharpe Ratio | 0.46 | 0.73 |
| 1 Year Return (%) | -1.96% | -5.24% |
| 3 Year Return (%) | 12.12% | 16.22% |
| 5 Year Return (%) | 12.11% | 16.62% |
| Since Launch (%) | 14.83% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 12 February 2024 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Niket Shah (3.5 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 26% | 32% |
🤖 AI Verdict – Which is Better?
Haan, to our verdict hai ki HDFC ELSS Tax Saver Fund better fund hai long-term wealth creation ke liye. Ye fund 3Y me 16.22% return diya hai, expense ratio 1.24% hai, aur riskometer Very High hai. Lekin, Motilal Oswal Large Cap Fund ka expense ratio 0.82% hai, jiska matlab hai ki isme paisa bachta 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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP ke liye, HDFC ELSS Tax Saver Fund thoda better hai. Iska 3Y return Motilal Oswal Large Cap Fund se thoda zyada hai aur expense ratio kam hai. Lekin, Motilal Oswal Large Cap Fund ka asset allocation kam risk vallah hai, jiska matlab hai ki isme investment ka risk kam hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye, dono fund Very High hai. Lekin, HDFC ELSS Tax Saver Fund ka Sharpe ratio 0.73 hai, jiska matlab hai ki isme risk-adjusted returns better hai. Expense ratio ke liye, Motilal Oswal Large Cap Fund better hai.
📊 Portfolio Diversification
Asset allocation ke liye, dono fund almost equal hai. Lekin, HDFC ELSS Tax Saver Fund ka asset allocation 96.57% hai, jiska matlab hai ki isme sector risk thoda zyada hai. Top holdings concentration ke liye, HDFC ELSS Tax Saver Fund ka concentration 8.93% hai, jiska matlab hai ki isme sector risk kam hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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?
HDFC ELSS Tax Saver Fund 5Y me 16.62% return diya hai aur 3Y me 16.22% return diya hai, jiska matlab hai ki isme long-term returns better hai.
Q2: Is the higher risk fund worth it?
HDFC ELSS Tax Saver Fund ka Sharpe ratio 0.73 hai, jiska matlab hai ki isme risk-adjusted returns better hai. Lekin, Motilal Oswal Large Cap Fund ka expense ratio 0.82% hai, jiska matlab hai ki isme paisa bachta hai.
Q3: Which fund is more cost-effective?
Motilal Oswal Large Cap Fund ka expense ratio 0.82% hai, jiska matlab hai ki isme paisa bachta hai. Lekin, HDFC ELSS Tax Saver Fund ka 3Y return Motilal Oswal Large Cap Fund se thoda zyada 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