Motilal Oswal Large Cap Fund vs HSBC Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
14.7%
Today, we are going to compare two large-cap funds, Fund A - Motilal Oswal Large Cap Fund - Direct Plan - Growth and Fund B - HSBC Mutual Fund Large Cap Fund - Direct Plan - Growth. Both these funds have a category of large cap, which means they invest in big, established companies with a strong market presence. In this comparison, we will see which fund is better for long-term wealth creation and which one is more suitable for a SIP (Systematic Investment Plan) of 10+ years.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BHSBC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | HSBC Mutual Fund |
| Category | Large Cap | Large Cap |
| NAV (₹) | 13.56 | 497.22 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.97 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 12.29 | 11.46 |
| Sharpe Ratio | 0.46 | 0.72 |
| 1 Year Return (%) | -1.96% | -4.02% |
| 3 Year Return (%) | 12.12% | 14.7% |
| 5 Year Return (%) | 12.11% | 12.03% |
| Since Launch (%) | 14.83% | 11.65% |
| 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) | Cheenu Gupta (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% | 18% |
🤖 AI Verdict – Which is Better?
After analyzing the data, we can see that both funds have a very high riskometer and volatility. However, Fund B has a higher 3Y return of 14.7% compared to Fund A's 12.12%. But, Fund A has a lower expense ratio of 0.82% compared to Fund B's 0.52%. So, Fund B seems to be the winner in terms of return. But, Fund A is more cost-effective. Therefore, our verdict is that Fund B is better for long-term wealth creation, but Fund A is more suitable for those who want to save on expense ratio.
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 HSBC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.97 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
For a monthly SIP of 10+ years, Fund A is more suitable. It has a consistent 3Y return of 12.12% and a lower expense ratio of 0.82%. Although Fund B has a higher 3Y return of 14.7%, its expense ratio is also higher. This means that Fund B may not be the best choice for long-term SIP investments, as the higher expense ratio will eat into your returns.
⚠️ Risk & Cost Analysis
Both funds have a very high riskometer, which means they are riskier. However, Fund B has a lower volatility of 11.46 compared to Fund A's 12.29. On the other hand, Fund A has a lower expense ratio of 0.82% compared to Fund B's 0.52%. The Sharpe ratio of Fund B is also higher at 0.72 compared to Fund A's 0.46. This means that Fund B offers better risk-adjusted returns. Therefore, Fund B is more suitable for those who are willing to take higher risks for higher returns.
📊 Portfolio Diversification
Both funds have a similar asset allocation of 96% in equity and 4% in T-Bills. However, Fund A has a more concentrated portfolio with its top 3 holdings accounting for 22.8% of the total assets. Fund B also has a similar concentration with its top 3 holdings accounting for 22.9% of the total assets. Therefore, neither fund is highly diversified, and both have sector risk. However, Fund A has a slightly lower concentration of its top holdings.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
HSBC Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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, Fund B gives better returns in the long run, with a 5Y return of 12.03% compared to Fund A's 12.11%. Lekin, Fund A has a lower expense ratio of 0.82% compared to Fund B's 0.52%. Dekho, it's a close competition!
Q2: Is the higher risk fund worth it?
Haan, Fund B is worth it for those who are willing to take higher risks for higher returns. It has a lower volatility of 11.46 compared to Fund A's 12.29. Lekin, its Sharpe ratio is also higher at 0.72 compared to Fund A's 0.46. Chaliye, it's a risk-reward game!
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A is more cost-effective with an expense ratio of 0.82% compared to Fund B's 0.52%. Dekho, it's a small difference, but it can add up in the long run!
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