Motilal Oswal Large Cap Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
19.98%
Ek baar phir hum donon fundon ka category aur aapko kitne kuch seekhne ko milunga, yeh dekhte hain. Fund A Motilal Oswal Large Cap Fund hai aur Fund B SBI ELSS Tax Saver Fund.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | SBI Mutual Fund |
| Category | Large Cap | ELSS |
| NAV (₹) | 13.56 | 462.73 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.93% |
| Riskometer | Very High | Very High |
| Volatility | 12.29 | 15.53 |
| Sharpe Ratio | 0.46 | 0.87 |
| 1 Year Return (%) | -1.96% | -1.1% |
| 3 Year Return (%) | 12.12% | 19.98% |
| 5 Year Return (%) | 12.11% | 17.91% |
| Since Launch (%) | 14.83% | 15.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 12 February 2024 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Niket Shah (3.5 years yrs) | Milind Agrawal (0.4 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 26% | 37% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hamari raai hai ki Fund B SBI ELSS Tax Saver Fund aapke liye better fund hai. Yeh fund 3Y return mein 19.98% ka return deta hai, jo Fund A se kaafi accha hai. Lekin iska expense ratio 0.93% hai, jo Fund A se thoda zyada hai. Riskometer ke liye bhi donon fund High hai, lekin Fund B ka Sharpe ratio 0.87 hai, jo Fund A se kaafi accha 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 SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
Monthly SIP ke liye, hamara manana hai ki Fund A Motilal Oswal Large Cap Fund aapke liye better fund hai. Yeh fund 10+ years ke liye consistency aur return stability ka promise karta hai. Fund B ka 1Y return -1.1% hai, jo Fund A se kaafi chhota hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye ham comparison karenge. Fund A ka riskometer Very High hai, lekin Fund B ka Sharpe ratio 0.87 hai, jo Fund A se accha hai. Volatility ka hisab lete hue, Fund B ka volatility 15.53 hai, jo Fund A se kaafi zyada hai. Lekin expense ratio ka hisab lete hue, Fund A ka expense ratio 0.82% hai, jo Fund B se thoda accha hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye ham comparison karenge. Fund A ka asset allocation Equity: 96.00% hai, jis mein HDFC Bank Ltd., ICICI Bank Ltd. aur Reliance Industries Ltd. hain. Fund B ka asset allocation Equity: 96.05% hai, jis mein ICICI Bank Ltd., Reliance Industries Ltd. aur Kotak Mahindra Bank Ltd. hain. Ismein dikhta hai ki donon fund mein asset allocation thoda alag-alag hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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?
Sach ye hai ki Fund B SBI ELSS Tax Saver Fund 5Y mein 17.91% ka return deta hai, jo Fund A se kaafi accha hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ka hisab lete hue, Fund B ka higher risk fund hai lekin Sharpe ratio 0.87 hai, jo Fund A se accha hai.
Q3: Which fund is more cost-effective?
Expense ratio ka hisab lete hue, Fund A ka expense ratio 0.82% hai, jo Fund B se thoda accha hai, lekin Fund B ka Sharpe ratio 0.87 hai, jo Fund A se accha 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