Motilal Oswal Large Cap Fund vs PPFAS 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%
Dekho, today humein do mutual funds ke beech mein comparison karna hai – Motilal Oswal Large Cap Fund aur PPFAS Mutual Fund Liquid Fund. Sabse pehle, aapko pata chalna chahiye ki ye do funds kis category mein aate hain aur kya aap ismein invest kar sakte hain. Is article mein, hum aapko 3Y return, expense ratio, aur risk ke aadhar par is dono funds ke beech mein comparison karenge.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | PPFAS Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.41 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Chaliye, hum aapko bataate hain ki ye dono funds long-term wealth creation ke liye kaise hain. Fund A, Motilal Oswal Large Cap Fund, is category mein hai aur 1Y return -1.96% hai, jabki 3Y return 12.12% hai. Fund B, PPFAS Mutual Fund Liquid Fund, is category mein hai aur 1Y return 6.17% hai, jabki 3Y return 6.93% hai. Haan, yeh fund 5Y return mein bhi 12.11% se zyada nahi dete hain. Lekin, expense ratio bhi ek bada point hai. Fund A ka expense ratio 0.82% hai, jabki Fund B ka expense ratio 0.12% hai. Isliye, hum aapko bataate hain ki Fund B, PPFAS Mutual Fund Liquid Fund, ismein invest karne ka vichar karein.
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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Dekho, SIP (Systematic Investment Plan) ke liye fund chunne ke liye humein kya dekhna chahiye? Fund A ka 3Y return 12.12% hai, jabki Fund B ka 3Y return 6.93% hai. Lekin, Fund A ka expense ratio bhi zyada hai, jisse aapko aur bhi kuch pata lagta hai. Fund B ka expense ratio 0.12% hai, jisse aapko saavdhaani se invest karne ka mauka milta hai. Isliye, hum aapko bataate hain ki Fund B SIP ke liye aapke liye better hai.
⚠️ Risk & Cost Analysis
Chaliye, hum aapko bataate hain ki Fund A aur Fund B ke riskometer, volatility, Sharpe ratio, aur expense ratio ke beech mein kya farak hai. Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Lekin, Fund A ka volatility 12.29 hai, jabki Fund B ka volatility 0.12 hai. Isliye, hum aapko bataate hain ki Fund B ismein invest karne ka vichar karein, kyonki yeh risk-adjusted returns mein bhi better hai.
📊 Portfolio Diversification
Dekho, hum aapko bataate hain ki Fund A aur Fund B ke asset allocation mein kya farak hai. Fund A mein 96% equity aur 4% T-Bills hai, jabki Fund B mein 65% T-Bills, 20% CD, 10% CP aur 5% cash hai. Isliye, hum aapko bataate hain ki Fund B ka asset allocation Fund A ke compared to zyada diversified hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
PPFAS 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?
Sach ye hai ki Fund A ka 5Y return 12.11% hai, jabki Fund B ka 5Y return 6.11% hai. Isliye, Fund A fund aapke long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk fund hoga, lekin Fund B ka riskometer Low hai. Lekin, Fund B ka volatility 0.12 hai, jabki Fund A ka volatility 12.29 hai. Isliye, Fund B ismein invest karne ka vichar karein, kyonki yeh risk-adjusted returns mein better hai.
Q3: Which fund is more cost-effective?
Isliye, Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 0.82% hai. Isliye, Fund B ismein invest karne ka vichar karein, kyonki yeh 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