Motilal Oswal Large Cap Fund vs JM Financial 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%
Dekho, aap logon ke liye aaj hum kuch mahatvapoorn fund comparison karne jaare hain. Fund A: Motilal Oswal Large Cap Fund aur Fund B: JM Financial Large Cap Fund donon large cap fund category mein aate hain. Yeh article aapko bataega ki yeh dono fund ke beech kya antar hain aur kis fund ka long term wealth creation ke liye bhi better hai.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BJM Financial Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | JM Financial |
| Category | Large Cap | Large Cap |
| NAV (₹) | 13.56 | 497.22 |
| AUM (₹ Cr) | 5.35 Lac Cr | 2.26 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 12.29 | 12.25 |
| Sharpe Ratio | 0.46 | 0.67 |
| 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) | Asit Bhandarkar (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% | 26% |
🤖 AI Verdict – Which is Better?
Haan, yeh sach hai ki dono fund ke beech antar hai. Fund A ka 3Y return 12.12% hai, jiski comparison mein Fund B ka 3Y return 14.7% hai. Lekin expense ratio ke maamle mein Fund B 0.52% ka expense ratio le raha hai, jiski comparison mein Fund A ka expense ratio 0.82% hai. Riskometer ke maamle mein donon fund very high hai, lekin Fund B ka Sharpe ratio 0.67 hai, jiski comparison mein Fund A ka Sharpe ratio 0.46 hai. Iske baad bhi, Fund B ka AUM kam hai, lekin yeh fund 5Y return mein bhi bhi achha performance de raha hai. Isliye, hamara verdict hai ki dono fund ke beech Fund B better 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 JM Financial Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.26 Lac Cr
- Sharpe Ratio: 0.67
📈 SIP Suitability
SIP suitability ka maamla yeh hai ki aapko kitna aaram hai ki aapko Fund A ya Fund B ka monthly SIP lagaana hai. Fund A ka AUM 53,468 crore hai, jiski comparison mein Fund B ka AUM 22,560 crore hai. Fund A ka 1Y return -1.96% hai, jiski comparison mein Fund B ka 1Y return -4.02% hai. Isliye, aapko fund A ka monthly SIP lagaana achha lag sakta hai, kyonki yeh fund dono time frame mein better performance de raha hai.
⚠️ Risk & Cost Analysis
Riskometer ke maamle mein dono fund very high hai, lekin Fund B ka Sharpe ratio 0.67 hai, jiski comparison mein Fund A ka Sharpe ratio 0.46 hai. Volatility ke maamle mein Fund B ka volatility 12.25 hai, jiski comparison mein Fund A ka volatility 12.29 hai. Expense ratio ke maamle mein Fund B 0.52% ka expense ratio le raha hai, jiski comparison mein Fund A ka expense ratio 0.82% hai. Iske baad bhi, Fund B ka AUM kam hai, lekin yeh fund 5Y return mein bhi bhi achha performance de raha hai. Isliye, hamara verdict hai ki Fund B offer better risk-adjusted returns hai.
📊 Portfolio Diversification
Asset allocation ke maamle mein dono fund ek jaisa hai, kyonki donon fund ek 96% equity aur 4% T-Bills mein invest karte hain. Lekin top holdings concentration ke maamle mein Fund A ka HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) mein kafi bada investment hai, jiski comparison mein Fund B ka HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) mein investement kam hai. Isliye, Fund B ka portfolio diversified hai aur sector risk bhi kam hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
JM Financial 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?
Fund B ka 5Y return 12.03% hai, jiski comparison mein Fund A ka 5Y return 12.11% hai. Lekin Fund B ka 3Y return 14.7% hai, jiski comparison mein Fund A ka 3Y return 12.12% hai. Isliye, Fund B long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Fund B ka Sharpe ratio 0.67 hai, jiski comparison mein Fund A ka Sharpe ratio 0.46 hai. Iske alawa, Fund B ka volatility 12.25 hai, jiski comparison mein Fund A ka volatility 12.29 hai. Isliye, Fund B ko higher risk fund ke roop mein consider kiya jaa sakta hai, lekin yeh fund 5Y return mein bhi bhi achha performance de raha hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.52% hai, jiski comparison mein Fund A ka expense ratio 0.82% hai. Isliye, Fund B 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