Motilal Oswal Large Cap Fund vs Navi 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%
Chaliye dekho, aaj hum do aam funds ke liye tareeke se compare karne wale hain. Fund A Motilal Oswal Large Cap Fund hai, jo large cap category mein aata hai. Fund B Navi Mutual Fund Liquid Fund hai, jo liquid fund category mein aata hai. Aapko ye jaanane ki zaroorat hai ki aapke paise ki suraksha aur laabh kaise ho raha hai.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Navi Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.13 |
| Sharpe Ratio | 0.46 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Haan, Fund A ki 3Y return 12.12% hai, jo bahut achhi hai. Lekin expense ratio 0.82% hai, jo thoda zyada hai. Fund B ki 3Y return 6.93% hai, jo kam hai lekin expense ratio 0.12% hai, jo kam hai. Riskometer bhi Fund B ki side hai, jo low hai. Sach ye hai, Fund B aapke paise ki suraksha aur laabh ke liye behtar fund 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP suitabilit ke liye hum 10+ saal ke liye SIP ki taqat aur return ki stability ka compare karte hain. Fund A ki 3Y return stable hai, lekin Fund B ki return thoda kam hai. Lekin Fund B ki expense ratio kam hai, jo aapke paise ki bachat mein madad karega. Dekho, Fund B aapke SIP ke liye behtar fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye hum do funds ka compare karte hain. Fund A ki riskometer very high hai, jo kam achha hai. Lekin Fund B ki riskometer low hai, jo achha hai. Volatility bhi Fund B ki side hai, jo 0.13 hai. Sharpe ratio bhi Fund B ki side hai, jo 3.31 hai. Sach ye hai, Fund B aapke paise ki suraksha aur laabh ke liye behtar fund hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum do funds ka compare karte hain. Fund A ki asset allocation equity mein 96% hai, jo kam achha hai. Lekin Fund B ki asset allocation T-Bills mein 65% hai, jo achha hai. Top holdings concentration bhi Fund B ki side hai, jo kam hai. Dekho, Fund B aapke paise ki suraksha aur laabh ke liye behtar fund hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Navi 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?
Haan, Fund A ki 5Y return 12.11% hai, jo Fund B ki 5Y return 6.11% se zyada hai. Lekin Fund B ki expense ratio kam hai, jo aapke paise ki bachat mein madad karega.
Q2: Is the higher risk fund worth it?
Nahin, Fund A ki riskometer very high hai, jo kam achha hai. Lekin Fund B ki riskometer low hai, jo achha hai. Volatility bhi Fund B ki side hai, jo 0.13 hai. Sharpe ratio bhi Fund B ki side hai, jo 3.31 hai.
Q3: Which fund is more cost‑effective?
Haan, Fund B ki expense ratio 0.12% hai, jo Fund A ki expense ratio 0.82% se kam hai. Dekho, Fund B aapke paise ki bachat mein madad karega.