Motilal Oswal Large Cap Fund vs LIC 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%
Aaj hum do fundon ke beech ki tulna karenge - Motilal Oswal Large Cap Fund aur LIC Mutual Fund Liquid Fund. Ye dono fund alag-alag categories mein hain. Ye article mein hum aapko pata chalayenge ki kis fund ka long-term wealth creation ke liye bhi aadhar hai aur kis fund ki SIP suitability hai.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | LIC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.12 |
| Sharpe Ratio | 0.46 | 3.58 |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Long-term ke liye, Fund A ka 3Y return 12.12% hai, jabki Fund B ka 3Y return 6.93% hai. Lekin expense ratio ka dhyan me rakhte hue, Fund B ka expense ratio 0.12% hai, jiska 1/7th hai Fund A ka expense ratio 0.82%. Isliye, Fund B long-term ke liye bhi aadhar hai, lekin Fund A ka 3Y return aur lower expense ratio ke saath, Fund A ka verdict 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Monthly SIP ke liye, Fund B ka consistency aur return stability kaafi accha hai. Ismein T-Bills, CD, CP aur Cash ki allocation hai, jo SIP ke liye accha hai. Fund A ka equity allocation aur higher volatility ke saath, SIP ke liye itna accha hai nahi.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisab se, Fund A ka risk higher hai, jabki Fund B ka risk low hai. Lekin Sharpe ratio ka dhyan me rakhte hue, Fund B ka Sharpe ratio 3.58 hai, jo Fund A ka Sharpe ratio 0.46 se adhik accha hai. Isliye, Fund B mein better risk-adjusted returns hai.
📊 Portfolio Diversification
Fund A ka asset allocation mein 96% equity aur 4% T-Bills hai, jiska sector risk hai. Fund B ka asset allocation mein 65% T-Bills, 20% CD, 10% CP aur 5% Cash hai, jiska sector risk kam hai. Fund A ka top holdings concentration bhi high hai, jiska sector risk hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
LIC 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?
Long-term ke liye, Fund A ka 5Y return 12.11% hai, jo Fund B ka 5Y return 6.11% se adhik accha hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk fund worth hai, lekin Fund B ka Sharpe ratio 3.58 hai, jiska 8 times hai Fund A ka Sharpe ratio 0.46.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.82% se kam 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