Motilal Oswal Large Cap Fund vs Invesco 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%
Dekho, today we're comparing two popular mutual funds: Motilal Oswal Large Cap Fund and Invesco Mutual Fund Liquid Fund. We'll explore their categories, returns, risk, and more. Chaliye, let's dive in and see which fund is better for you!
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BInvesco Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Invesco Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 3819.94 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.76 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.13 |
| Sharpe Ratio | 0.46 | 3.31 |
| 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% | 6.82% |
| 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) | Amit Ganatra (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% | 269% |
🤖 AI Verdict – Which is Better?
Haan, based on our analysis, Motilal Oswal Large Cap Fund seems to be a better option for long-term wealth creation. Its 3Y return of 12.12% is impressive, and its expense ratio of 0.82% is relatively low. Lekin, keep in mind that it comes with a higher risk, as indicated by its riskometer and volatility. Sach ye hai, it's essential to weigh these factors before investing.
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 Invesco Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.76 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Chaliye, let's compare the two funds for a monthly SIP of 10+ years. Motilal Oswal Large Cap Fund offers relatively higher returns, but Invesco Mutual Fund Liquid Fund is more stable and consistent. Dekho, if you're looking for steady returns, Liquid Fund might be a better choice. However, if you're willing to take on higher risk for potentially higher returns, Large Cap Fund could be the way to go.
⚠️ Risk & Cost Analysis
Lekin, let's talk about risk. Motilal Oswal Large Cap Fund has a very high riskometer and volatility of 12.29, whereas Invesco Mutual Fund Liquid Fund is low risk with a volatility of 0.13. Sharpe ratio-wise, Liquid Fund is a clear winner with 3.31, while Large Cap Fund has 0.46. Dekho, if you're risk-averse, Liquid Fund is a safer bet!
📊 Portfolio Diversification
Dekho, let's compare the asset allocation of both funds. Motilal Oswal Large Cap Fund is heavily invested in equity (96%), whereas Invesco Mutual Fund Liquid Fund has a balanced portfolio with T-Bills (65%), CD (20%), CP (10%), and Cash (5%). Haan, Large Cap Fund has a higher concentration of top holdings, including HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), and Reliance Industries Ltd. (6.9%). Sach ye hai, it's essential to diversify your portfolio for reduced risk!
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Invesco 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?
Motilal Oswal Large Cap Fund offers better returns in the long run, with 5Y returns of 12.11% compared to Invesco Mutual Fund Liquid Fund's 6.11%.
Q2: Is the higher risk fund worth it?
While Motilal Oswal Large Cap Fund offers higher returns, its high risk and volatility might not be worth it for every investor. Invesco Mutual Fund Liquid Fund, on the other hand, provides a relatively stable and low-risk option.
Q3: Which fund is more cost-effective?
Invesco Mutual Fund Liquid Fund is more cost-effective with an expense ratio of 0.12% compared to Motilal Oswal Large Cap Fund's 0.82%.
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