Motilal Oswal Large Cap Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
6.55%
Motilal Oswal Large Cap Fund aur Motilal Oswal Liquid Fund dono hi popular funds hain, lekin kya difference hai unke beech? Aaj hum unke 3 year se 5 year ke returns, expense ratio, aur riskometer ke beech kehne wale kuch khaas points discuss karenge, jisse aapko clear decision leni hogi. Dekho, yeh fund kya unhein choose karna chahiye.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Motilal Oswal |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 14.67 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.12 |
| Sharpe Ratio | 0.46 | 0.42 |
| 1 Year Return (%) | -1.96% | 5.84% |
| 3 Year Return (%) | 12.12% | 6.55% |
| 5 Year Return (%) | 12.11% | 5.76% |
| Since Launch (%) | 14.83% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 12 February 2024 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Niket Shah (3.5 years yrs) | Niket Shah (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% | 261% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum Motilal Oswal Large Cap Fund ko better fund samjhte hain. Iska sabse bada karan hai 3 year ke return aur expense ratio. Fund B ka 3 year return 12.12% hai, jabki Fund A ka 5 year return 12.11% hai. Haan, expense ratio bhi Fund A ka 0.82% hai, jabki Fund B ka 0.12% hai. Chaliye, aapko fund ki category aur riskometer ke beech bhi sochna 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 Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
Monthly SIP ke liye, hum Motilal Oswal Liquid Fund ko better fund samjhte hain. Iska sabse bada karan hai consistency aur return stability. Fund B ka 1 year return 5.84% hai, jabki Fund A ka 1 year return -1.96% hai. Haan, Fund B ka sharpe ratio aur volatility bhi kam hai. Dekho, 10+ years ke liye aapko kya unke beech ka difference raha hoga.
⚠️ Risk & Cost Analysis
Riskometer, volatility, sharpe ratio, aur expense ratio ke beech kehne wale points hain ki Fund A ka riskometer Very High hai, jabki Fund B ka Low hai. Iske alawa, Fund A ka volatility aur sharpe ratio bhi jyada hai. Haan, expense ratio ke liye Fund B ka 0.12% hai. Chaliye, aapko fund ki asset allocation aur top holdings ke beech bhi sochna hoga.
📊 Portfolio Diversification
Asset allocation ke beech kehne wale points hain ki Fund A ka equity 96.00%, jabki Fund B ka T-Bills 65.00% hai. Iske alawa, Fund A ka top holdings HDFC Bank Ltd. aur ICICI Bank Ltd. hai, jabki Fund B ka top holdings State Bank of India CD aur HDFC Bank CD hai. Haan, Fund A ka sector risk bhi jyada hai, kyunki top holdings mein banking aur energy sector ka jyada presence hai. Dekho, aapko fund ki asset allocation aur top holdings ke beech kya sochne hain.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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 5 year return 12.11% hai, jabki Fund B ka 5 year return 5.76% hai. Haan, Fund A ka 3 year return bhi 12.12% hai. Dekho, aapko fund ki category aur riskometer ke beech bhi sochna hoga.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk hai, lekin sharpe ratio aur volatility ke beech bhi dekho. Fund A ka sharpe ratio 0.46 hai, jabki Fund B ka 0.42 hai. Iske alawa, Fund A ka volatility 12.29 hai, jabki Fund B ka 0.12 hai. Dekho, aapko fund ki asset allocation aur top holdings ke beech bhi sochna hoga.
Q3: Which fund is more cost-effective?
Dekho, Fund B ka expense ratio 0.12% hai, jabki Fund A ka 0.82% hai. Haan, Fund B ka asset allocation bhi T-Bills aur CD mein jyada hai, jisse risk bhi kam hai. Chaliye, aapko fund ki cost-effectiveness ke beech kya sochne hain.
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