Motilal Oswal Large Cap Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
20.86%
Yeh do fund ek dum different category mein hain - Fund A Large Cap aur Fund B Multi Cap. Chaliye dekhte hain ki kya difference hai aur aapko kya sabhi jaankari milti hai is article mein.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | JM Financial |
| Category | Large Cap | Multi Cap |
| NAV (₹) | 13.56 | 19.01 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.82% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 12.29 | 14.35 |
| Sharpe Ratio | 0.46 | 1 |
| 1 Year Return (%) | -1.96% | 5.23% |
| 3 Year Return (%) | 12.12% | 20.86% |
| 5 Year Return (%) | 12.11% | 0% |
| Since Launch (%) | 14.83% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 12 February 2024 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Niket Shah (3.5 years yrs) | Asit Bhandarkar (3.5 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 26% | 44% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, Fund B Multi Cap Fund better hai. Yeh isliye hai ki uska 3Y return 20.86% hai, jo Fund A se jyada hai. Lekin expense ratio 1.68% hai, jo Fund A ke 0.82% se jyada hai. Riskometer bhi Very High hai, lekin Sharpe ratio 1 hai, jo Fund A ke 0.46 se jyada hai. Sahi decision lene ke liye, aapko apne investment goals aur risk tolerance ka vichar karna hoga.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
Monthly SIP ke liye, Fund A Large Cap Fund better hai. Yeh isliye hai ki uska return stability Fund B se jyada hai. 3Y return 12.12% hai, jo Fund B ke 20.86% se kam hai, lekin expense ratio 0.82% hai, jo Fund B ke 1.68% se kam hai. Dekho, aapko apne investment goals aur risk tolerance ka vichar karna hoga.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, dono fund Very High risk level par hain. Volatility bhi dono fund me 12% se jyada hai. Lekin Sharpe ratio ke hisab se, Fund B Multi Cap Fund better hai, kyonki uska Sharpe ratio 1 hai, jo Fund A ke 0.46 se jyada hai. Expense ratio ke hisab se, Fund A better hai, kyonki uska expense ratio 0.82% hai, jo Fund B ke 1.68% se kam hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, dono fund me equity 95-97% hai, jisse portfolio diversification kam hai. Lekin top holdings ke hisab se, Fund A Large Cap Fund me HDFC Bank Ltd. 8.5%, ICICI Bank Ltd. 7.8%, aur Reliance Industries Ltd. 6.9% hai, jisse sector risk hai. Fund B Multi Cap Fund me bhi HDFC Bank Ltd. 6.5%, ICICI Bank Ltd. 5.8%, aur Reliance Industries Ltd. 4.9% hai, jisse bhi sector risk hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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?
Sach ye hai ki Fund B Multi Cap Fund 5Y return 0% hai, jo Fund A Large Cap Fund ke 12.11% se kam hai. Lekin 3Y return 20.86% hai, jo Fund A ke 12.12% se jyada hai. Aapko apne investment goals aur risk tolerance ka vichar karna hoga.
Q2: Is the higher risk fund worth it?
Haan, Fund B Multi Cap Fund me Sharpe ratio 1 hai, jo Fund A ke 0.46 se jyada hai. Lekin volatility 14.35 hai, jo Fund A ke 12.29 se jyada hai. Aapko apne investment goals aur risk tolerance ka vichar karna hoga.
Q3: Which fund is more cost-effective?
Fund A Large Cap Fund expense ratio 0.82% hai, jo Fund B Multi Cap Fund ke 1.68% se kam hai. Sahi decision lene ke liye, aapko apne investment goals aur risk tolerance ka vichar karna hoga.
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