Motilal Oswal Large Cap Fund vs Kotak Mahindra 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%
Chaliye dekho, aaj hum do mutual funds ke beech ka comparison karenge. Fund A, Motilal Oswal Large Cap Fund, ek Large Cap fund hai, jabki Fund B, Kotak Mahindra Liquid Fund, ek Liquid fund hai. Aaj hum jaanne jaenge ki kya Fund A aur kya Fund B better hai.
[VERDICT]| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Kotak Mahindra |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.11 |
| Sharpe Ratio | 0.46 | 3.91 |
| 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% | 50.63% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Haan, Fund B, Kotak Mahindra Liquid Fund, better hai long-term wealth creation ke liye. Iska 3Y return 6.93% hai, jo Fund A ke 12.12% se kam hai, lekin expense ratio 0.12% hai, jo Fund A ke 0.82% se kam hai.
Sach ye hai, Fund B ka riskometer Low hai, jiska matlab hai ki Fund B kam risk hai, aur Fund A ka riskometer Very High hai, jiska matlab hai ki Fund A jyada risk 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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Chaliye dekho, SIP suitability ke liye kya Fund A aur kya Fund B better hai. Fund A ka 3Y return bahut jyada hai, lekin Fund B ka return kam hai, lekin Fund B ka expense ratio bahut kam hai. Haan, Fund B SIP ke liye better hai.
Sach ye hai, Fund B ka return stability bahut jyada hai, jiska matlab hai ki Fund B monthly SIP ke liye better hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Chaliye dekho, riskometer, volatility, Sharpe ratio, expense ratio ke liye kya Fund A aur kya Fund B better hai. Fund B ka riskometer Low hai, jiska matlab hai ki Fund B kam risk hai, aur Fund A ka riskometer Very High hai, jiska matlab hai ki Fund A jyada risk hai.
Sach ye hai, Fund B ka volatility 0.11 hai, jo Fund A ke 12.29 se kam hai, lekin Fund B ka Sharpe ratio 3.91 hai, jo Fund A ke 0.46 se jyada hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Chaliye dekho, asset allocation aur top holdings concentration ke liye kya Fund A aur kya Fund B better hai. Fund A ka asset allocation Equity 96.00% hai, aur Fund B ka asset allocation T-Bills 65.00% hai. Haan, Fund B ka asset allocation better hai.
Sach ye hai, Fund B ka top holdings concentration kam hai, jiska matlab hai ki Fund B less sector risk hai.
[FAQ]SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Kotak Mahindra 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?
Sach ye hai, Fund A ka 5Y return 12.11% hai, jo Fund B ke 6.11% se jyada hai. Isliye, Fund A long run mein better hai.
Q2: Is the higher risk fund worth it?
Chaliye dekho, Fund A ka riskometer Very High hai, aur Fund B ka riskometer Low hai. Isliye, Fund B kam risk hai, lekin Fund A ka Sharpe ratio 0.46 hai, jo Fund B ke 3.91 se kam hai. Isliye, Fund B jyada risk-adjusted return deta hai.
Q3: Which fund is more cost-effective?
Chaliye dekho, Fund A ka expense ratio 0.82% hai, aur Fund B ka expense ratio 0.12% hai. Isliye, Fund B more 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