Motilal Oswal Large Cap Fund vs Quantum 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
6.56%
Today, we're comparing two mutual funds, Motilal Oswal Large Cap Fund and Quantum Mutual Fund Liquid Fund, to help you make an informed decision. Dekho, these funds cater to different needs - the large cap fund is for long-term wealth creation, while the liquid fund is for short-term goals or parking excess funds. Chaliye, let's dive in and see which fund suits your investment goals.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BQuantum Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Quantum Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 37.04 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.34 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.11 |
| Sharpe Ratio | 0.46 | 0.55 |
| 1 Year Return (%) | -1.96% | 5.71% |
| 3 Year Return (%) | 12.12% | 6.56% |
| 5 Year Return (%) | 12.11% | 5.82% |
| Since Launch (%) | 14.83% | 6.72% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 12 February 2024 | 9 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Niket Shah (3.5 years yrs) | Atul Kumar (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% | 231% |
🤖 AI Verdict – Which is Better?
Based on our analysis, we think the Motilal Oswal Large Cap Fund is better for long-term wealth creation. Its 3Y return of 12.12% is higher than the Quantum Mutual Fund Liquid Fund's 6.56%. Haan, this is a significant difference, and the large cap fund's expense ratio of 0.82% is slightly higher, but we believe the returns justify the cost. Lekin, it's essential to note that the large cap fund carries a higher risk, as indicated by its very high riskometer and volatility of 12.29.
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 Quantum Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.56%
- AUM: 4.34 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
For a monthly SIP for 10+ years, we recommend the Quantum Mutual Fund Liquid Fund. Its consistent returns over the past 3 years, with a return of 6.56%, make it an attractive option for long-term investors. Chaliye, the liquid fund's asset allocation is also more stable, with 65% invested in T-Bills and 20% in CDs. Dekho, this means your investment will be less prone to market fluctuations.
⚠️ Risk & Cost Analysis
Now, let's compare the riskometer, volatility, and Sharpe ratio of both funds. The Motilal Oswal Large Cap Fund has a very high riskometer and volatility of 12.29, while the Quantum Mutual Fund Liquid Fund has a low riskometer and volatility of 0.11. Haan, this indicates that the liquid fund is a lower-risk option. However, the large cap fund's Sharpe ratio of 0.46 is higher than the liquid fund's 0.55, suggesting that the large cap fund offers better risk-adjusted returns.
📊 Portfolio Diversification
Now, let's compare the asset allocation and top holdings concentration of both funds. The Motilal Oswal Large Cap Fund has a high equity allocation of 96% and is heavily concentrated in the top three holdings, HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), and Reliance Industries Ltd. (6.9%). Dekho, this means the fund is more exposed to sector risk. On the other hand, the Quantum Mutual Fund Liquid Fund has a more diversified asset allocation, with 65% in T-Bills, 20% in CDs, and 10% in CPs and cash. Haan, this reduces sector risk.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Quantum Mutual Fund Liquid Fund
₹849400.65
@6.6% 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, the Motilal Oswal Large Cap Fund has a 5Y return of 12.11%, while the Quantum Mutual Fund Liquid Fund has a 5Y return of 5.82%. Haan, the large cap fund offers better long-term returns.
Q2: Is the higher risk fund worth it?
Lekin, we must consider the Sharpe ratio, which indicates the fund's risk-adjusted returns. N/A, in this case, we don't have enough information to provide a definitive answer.
Q3: Which fund is more cost-effective?
Haan, the Quantum Mutual Fund Liquid Fund is more cost-effective, with an expense ratio of 0.12%, compared to the Motilal Oswal Large Cap Fund'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