Motilal Oswal Large Cap Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
6.96%
Chaliye, dekho! Aaj hum do fundse ka comparison karne wale hain - Motilal Oswal Large Cap Fund aur Nippon India Liquid Fund. Fund A ek Large Cap fund hai, jabki Fund B ek Liquid fund hai. Aapko is article mein pata chalega ki kis fund se aapko zyaada return mil sakta hai aur kis fund ka expense ratio kam hai.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Nippon India |
| Category | Large Cap | Liquid |
| NAV (₹) | 13.56 | 6813.87 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.2% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.12 |
| Sharpe Ratio | 0.46 | 3.83 |
| 1 Year Return (%) | -1.96% | 6.21% |
| 3 Year Return (%) | 12.12% | 6.96% |
| 5 Year Return (%) | 12.11% | 6.14% |
| Since Launch (%) | 14.83% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 26% | 260% |
🤖 AI Verdict – Which is Better?
Haan, fund A (Motilal Oswal Large Cap Fund) ko long-term wealth creation ke liye seekh lete hain. Iska 3Y return 12.12% hai, jo ki fund B (Nippon India Liquid Fund) ke 6.96% se adhik hai. Lekin expense ratio ke hisaab se, fund B kam expense ratio ke saath aata hai, 0.2% hi. Riskometer ke hisaab se bhi, fund B kam risk wala fund hai. Sach ye hai, fund A zyada jatil hai, lekin fund B ka stability aapko acchi feeling deta 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
Dekho, SIP ke hisaab se Fund B (Nippon India Liquid Fund) zyada suitable hai. Iska 1Y return 6.21% hai, jo ki fund A ke -1.96% se adhik hai. Iske alawa, fund B ka consistency zyada hai, jo ki SIP ke liye achha hai.
⚠️ Risk & Cost Analysis
Chaliye, riskometer aur volatility ke hisaab se dekho. Fund A ka riskometer "Very High" hai, jabki fund B ka "Low" hai. Volatility ke hisaab se bhi, fund B kam volatile hai. Lekin expense ratio ke hisaab se, fund B kam expense ratio ke saath aata hai, 0.2% hi. Sharpe ratio ke hisaab se bhi, fund B kam risk wala fund hai. Isliye, fund B ka expense ratio aur sharpe ratio se liye kiya gaya analysis hamara fund B ko zyada suitable bananaata hai.
📊 Portfolio Diversification
Haan, portfolio diversification ke hisaab se dekho. Fund B ka asset allocation kam jatil hai, CP, CD, T-Bills, Debenture, SDL, aur Debt mein. Iska asset allocation fund A se kam jatil hai, lekin fund A ka asset allocation bhi kam jatil hai, Equity aur T-Bills mein. Top holdings ke hisaab se bhi, fund A ka top holdings zyada kam hai, HDFC Bank, ICICI Bank, aur Reliance Industries.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@7.0% 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?
Fund A (Motilal Oswal Large Cap Fund) ka 5Y return 12.11% hai, jo ki fund B (Nippon India Liquid Fund) ke 6.14% se adhik hai. Isliye, fund A aapko long-term wealth creation ke liye seekh sakta hai.
Q2: Is the higher risk fund worth it?
Fund A ka riskometer "Very High" hai, jabki fund B ka "Low" hai. Volatility ke hisaab se bhi, fund B kam volatile hai. Isliye, fund B ka expense ratio aur sharpe ratio se liye kiya gaya analysis hamara fund B ko zyada suitable bananaata hai.
Q3: Which fund is more cost-effective?
Fund B (Nippon India Liquid Fund) ka expense ratio kam hai, 0.2% hi. Isliye, fund B aapko 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