Motilal Oswal Large Cap Fund vs ICICI Prudential 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%
Agar aap Large Cap aur Liquid fund mein saavdhan hain, to aapke liye yeh article upyogi hoga. Aaj hum Motilal Oswal Large Cap Fund aur ICICI Prudential Liquid Fund ki tulna karenge. Dekho, yeh do fund aise hain jo aapke investment ke liye vishesh roop se sujhav hain.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | ICICI Prudential |
| Category | Large Cap | Liquid |
| NAV (₹) | 13.56 | 411.88 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.12 |
| Sharpe Ratio | 0.46 | 3.58 |
| 1 Year Return (%) | -1.96% | 6.15% |
| 3 Year Return (%) | 12.12% | 6.93% |
| 5 Year Return (%) | 12.11% | 6.11% |
| Since Launch (%) | 14.83% | 6.84% |
| 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) | Nikhil Kabra; Ritesh Lunawat (4.8 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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, hum aapko batate hain ki Fund B, ICICI Prudential Liquid Fund, better hai long-term wealth creation ke liye. Iska kaaran hai ki yeh fund 3Y return mein 12.12% ki return deta hai, jo Fund A ki 12.12% se bhi acchi hai. Lekin expense ratio ke hisaab se Fund B 0.12% ki expense ratio deta hai, jo Fund A ki 0.82% se kam hai. Riskometer ke hisaab se Fund B Low riskometer deta hai, jo Fund A ki Very High riskometer se kam 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 ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Chaliye aapko batate hain ki SIP (Systematic Investment Plan) ke liye Fund B accha hai. Iska kaaran hai ki Fund B ki 3Y return stable hai, aur iska expense ratio bhi kam hai. Dekho, isse aapko jaldi se long-term wealth creation ki expected return mil sakti hai.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund B ki riskometer Low hai, jo Fund A ki Very High riskometer se kam hai. Lekin Fund B ki volatility 0.12 hai, jo Fund A ki 12.29 se kam hai. Sharpe ratio ke hisaab se bhi Fund B 3.58 ki Sharpe ratio deta hai, jo Fund A ki 0.46 se acchi hai. Expense ratio ke hisaab se bhi Fund B 0.12% ki expense ratio deta hai, jo Fund A ki 0.82% se kam hai. Isse lagta hai ki Fund B aapko better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Portfolio diversification ke hisaab se bhi Fund B accha hai. Iska asset allocation T-Bills, CD, CP, aur Cash mein hai, jo Fund A ki equity aur T-Bills mein hai. Dekho, isse Fund B ki portfolio distribution mehsoos hota hai. Lekin Fund A ki top holdings concentration HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein hai, jo Fund B ki top holdings concentration State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
ICICI Prudential 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?
Answer: Fund B, ICICI Prudential Liquid Fund, 5Y return mein 6.11% ki return deta hai, jo Fund A ki 12.11% se kam hai. Haan, Fund A ki 3Y return 12.12% hai, jo Fund B ki 6.93% se acchi hai. Lekin long-term wealth creation ke liye Fund B better hai.
Q2: Is the higher risk fund worth it?
Answer: Haan, Fund A ki higher risk fund hai, lekin yeh Fund B ki stability aur acchi risk-adjusted return ke liye kam value hai. Dekho, Fund A ki volatility 12.29 hai, jo Fund B ki 0.12 se kam hai. Sharpe ratio ke hisaab se bhi Fund A ki 0.46 ki Sharpe ratio Fund B ki 3.58 se kam hai.
Q3: Which fund is more cost-effective?
Answer: Haan, Fund B, ICICI Prudential Liquid Fund, expense ratio ke hisaab se accha hai. Fund B ki expense ratio 0.12% hai, jo Fund A ki 0.82% se kam hai. Isse yeh clear hai ki Fund B adhik 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