Motilal Oswal Large Cap Fund vs HSBC Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
6.93%
Hum aaj apne readers se ek baat karte hain - Fund A aur Fund B ke beech ka comparison. Fund A Motilal Oswal Large Cap Fund hai, jiska category Large Cap hai, aur Fund B HSBC Mutual Fund Liquid Fund hai, jiska category Liquid Fund hai. Aapko dekha jayega ki in dono fundon mein kya aisi cheezein hain jo aapko apne investment ke liye achhi lagengi.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | HSBC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.13% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.11 |
| Sharpe Ratio | 0.46 | 3.91 |
| 1 Year Return (%) | -1.96% | 6.17% |
| 3 Year Return (%) | 12.12% | 6.93% |
| 5 Year Return (%) | 12.11% | 6.11% |
| Since Launch (%) | 14.83% | 50.63% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Hum apne readers se kahaayenge ki Fund B HSBC Mutual Fund Liquid Fund isme se bura hai. Yeh fund apne expense ratio aur riskometer ke hisab se Fund A se bhi accha hai. Fund A ka expense ratio 0.82% hai aur riskometer Very High hai, jabki Fund B ka expense ratio 0.13% hai aur riskometer Low hai. Isliye, yadi aap long-term wealth creation chahte hain, to Fund B aisa fund hai jo aapke liye accha 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Hum aapko batayenge ki Fund B HSBC Mutual Fund Liquid Fund SIP ke liye bhi accha hai. Fund A ka 3Y return 12.12% hai, jabki Fund B ka 3Y return 6.93% hai. Lekin Fund B ka expense ratio bahut kam hai, jisse aapko bahut paise bachenge. Isliye, yadi aap 10+ saal ke liye SIP karna chahte hain, to Fund B aisa fund hai jo aapke liye accha hai.
⚠️ Risk & Cost Analysis
Hum aapko batayenge ki Fund B HSBC Mutual Fund Liquid Fund riskometer aur volatility ke hisab se Fund A se bhi accha hai. Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Iske alawa, Fund B ka volatility 0.11 hai, jabki Fund A ka volatility 12.29 hai. Isliye, yadi aap risk-adjusted returns chahte hain, to Fund B aisa fund hai jo aapke liye accha hai.
📊 Portfolio Diversification
Hum aapko batayenge ki Fund A ka asset allocation Fund B se alag hai. Fund A ka asset allocation Equity: 96.00% | T-Bills: 4.00% hai, jabki Fund B ka asset allocation T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% hai. Isliye, Fund B ka asset allocation Fund A se bhi accha hai. Iske alawa, Fund B ka top holdings concentration bhi kam hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
HSBC Mutual Fund Liquid Fund
₹867076.87
@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?
Fund A Motilal Oswal Large Cap Fund ka 5Y return 12.11% hai, jabki Fund B HSBC Mutual Fund Liquid Fund ka 5Y return 6.11% hai. Isliye, Fund A long-run mein better returns dete hai.
Q2: Is the higher risk fund worth it?
Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Iske alawa, Fund B ka volatility 0.11 hai, jabki Fund A ka volatility 12.29 hai. Isliye, Fund B ka risk-adjusted returns Fund A se bhi accha hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.13% hai, jabki Fund A ka expense ratio 0.82% hai. Isliye, Fund B more 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