Motilal Oswal Large Cap Fund vs Quant 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
9.45%
Today, we're comparing two popular mutual funds in India - Motilal Oswal Large Cap Fund and Quant Mutual Fund Liquid Fund. Dekho, Fund A is a Large Cap fund, while Fund B is a Liquid Fund. As a senior SEBI-registered financial advisor, I'll guide you through their performance, risk, and cost analysis to help you make an informed decision. Let's dive in.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BQuant Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Quant Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 22.09 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.47 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.13 |
| Sharpe Ratio | 0.46 | 22.69 |
| 1 Year Return (%) | -1.96% | 0.9% |
| 3 Year Return (%) | 12.12% | 9.45% |
| 5 Year Return (%) | 12.11% | 8.38% |
| Since Launch (%) | 14.83% | 12.05% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 12 February 2024 | 11 June 2019 |
| 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% | 267% |
🤖 AI Verdict – Which is Better?
For long-term wealth creation, Fund B (Quant Mutual Fund Liquid Fund) is a better option due to its lower expense ratio of 0.12% compared to Fund A's 0.82%. Also, its 3Y return of 9.45% is close to Fund A's 12.12%, but considering the risk, Fund B's Low riskometer rating makes it a safer choice. Haan, Fund B's stability makes it suitable for long-term growth.
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 Quant Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 9.45%
- AUM: 4.47 Lac Cr
- Sharpe Ratio: 22.69
📈 SIP Suitability
For monthly SIPs over 10+ years, Fund B's consistent returns and stability make it more suitable. Its 1Y return of 0.9% might seem low, but its 3Y return of 9.45% shows steady growth. Fund A's volatility of 12.29 is higher, making it riskier for SIP investors. Lekin, if you're willing to take on more risk, Fund A's higher returns might be worth it.
⚠️ Risk & Cost Analysis
Comparing the two funds, Fund B's Low riskometer rating and volatility of 0.13 make it a safer bet. Its Sharpe ratio of 22.69 is also higher, indicating better risk-adjusted returns. However, its expense ratio of 0.12% is lower, but not as low as Fund A's 0.82%. Sach ye hai, Fund B offers a better balance of risk and cost.
📊 Portfolio Diversification
Looking at their asset allocation, Fund B is more diversified with 65% T-Bills, 20% CDs, 10% CPs, and 5% Cash. Fund A's 96% equity allocation and 4% T-Bills make it more concentrated. Its top holdings of HDFC Bank, ICICI Bank, and Reliance Industries also indicate sector risk. Dekho, Fund B's diversified portfolio reduces sector risk.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Quant Mutual Fund Liquid Fund
₹1000392.84
@9.4% 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?
Based on 5Y/3Y returns, Fund A (Motilal Oswal Large Cap Fund) gives better returns with 12.11%/12.12% compared to Fund B (Quant Mutual Fund Liquid Fund) with 8.38%/9.45%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund (Fund A) is not worth it considering its higher volatility of 12.29 and lower Sharpe ratio of 0.46 compared to Fund B's 0.13 and 22.69.
Q3: Which fund is more cost-effective?
Fund B (Quant Mutual Fund Liquid Fund) is more cost-effective with an expense ratio of 0.12% compared to Fund A's 0.82%.
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