Motilal Oswal Large Cap Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
6.97%
Baap re, aapko do fund ke baare mein jaanna hai, Fund A aur Fund B. Fund A ek Large Cap Fund hai, jabki Fund B ek Liquid Fund hai. Is article mein hum aapko Fund A aur Fund B ke 3Y return, expense ratio, aur risk ke baare mein batayenge.
[VERDICT]| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | JM Financial |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 363.19 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.12 |
| Sharpe Ratio | 0.46 | 3.92 |
| 1 Year Return (%) | -1.96% | 6.21% |
| 3 Year Return (%) | 12.12% | 6.97% |
| 5 Year Return (%) | 12.11% | 6.16% |
| Since Launch (%) | 14.83% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 12 February 2024 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Niket Shah (3.5 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B ek bahut hi achha fund hai, kyonki uska 3Y return 6.97% hai, jabki Fund A ka 3Y return 12.12% hai. Lekin, Fund B ka expense ratio 0.12% hai, jo Fund A ke expense ratio 0.82% se kam hai.
[SIP_SUITABILITY]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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Haan, Fund B ek achha fund hai SIP ke liye, kyonki uska return stable hai aur consistency se upar hai. Fund A ka return bhi achha hai, lekin uska riskometer very high hai, jo SIP ke liye thoda sa risk hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Chaliye, Fund B ka riskometer low hai aur volatility 0.12 hai, jo Fund A se kam hai. Sharpe ratio bhi Fund B ke favour mein hai, jo 3.92 hai. Expense ratio bhi Fund B ke favour mein hai, jo 0.12% hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Haan, Fund A ka asset allocation ek hi sector, Large Cap, par focus karta hai, jabki Fund B ka asset allocation T-Bills, CD, CP aur Cash mein divide karta hai. Fund B ka asset allocation thoda sa diversified hai, lekin Fund A ka riskometer very high hai.
[FAQ]SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% 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 hai Fund B, jiska 5Y return 6.16% hai aur 3Y return 6.97% hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer very high hai, lekin sharpe ratio bhi 0.46 hai. Volatility Fund A ka 12.29 hai, jo Fund B se zyada hai.
Q3: Which fund is more cost-effective?
Fund B cost-effective hai, jiska expense ratio 0.12% hai, jo Fund A ke expense ratio 0.82% se kam 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