Motilal Oswal Large Cap Fund vs Tata Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.12%
3Y Return
14.7%
Chaliye, let's start with the basics. Fund A: Motilal Oswal Large Cap Fund - Direct Plan - Growth, and Fund B: Tata Mutual Fund Large Cap Fund - Direct Plan - Growth, both belong to the Large Cap category. We will evaluate these funds based on their performance, risk, and cost to help you decide which one is better for your long-term wealth creation goals.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BTata Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Tata Mutual Fund |
| Category | Large Cap | Large Cap |
| NAV (₹) | 13.56 | 497.22 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.93 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 12.29 | 12.94 |
| Sharpe Ratio | 0.46 | 0.63 |
| 1 Year Return (%) | -1.96% | -4.02% |
| 3 Year Return (%) | 12.12% | 14.7% |
| 5 Year Return (%) | 12.11% | 12.03% |
| Since Launch (%) | 14.83% | 11.65% |
| 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) | Sonam Udasi (3.5 years yrs) |
| Benchmark | Nifty 50 | Nifty 50 |
| Top 3 Holdings | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Equity: 96.00% | T-Bills: 4.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 26% | 32% |
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 Tata Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.93 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
Chaliye, let's talk about SIP suitability. For a monthly SIP for 10+ years, we think Fund B is a better choice due to its higher 3Y return and lower expense ratio. Its consistency and return stability are better compared to Fund A, which makes it a more suitable option for a long-term SIP.
⚠️ Risk & Cost Analysis
Sach ye hai, risk and cost analysis is crucial before investing in any fund. Both funds have a Very High riskometer, but Fund B's volatility is slightly higher at 12.94 compared to Fund A's 12.29. However, its Sharpe ratio is higher at 0.63, indicating better risk-adjusted returns. Fund A's expense ratio is higher at 0.82%, making Fund B a more cost-effective option.
📊 Portfolio Diversification
Lekin, let's talk about portfolio diversification. Both funds have a similar asset allocation of 96% equity and 4% T-Bills, which means they are not diversified in terms of asset allocation. However, Fund B has a lower concentration of top holdings, with HDFC Bank Ltd. and ICICI Bank Ltd. at 8.5% and 7.8% respectively, compared to Fund A's 8.5% and 7.8%. This means Fund B has a lower sector risk.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Tata Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 and 3Y returns, Fund B: Tata Mutual Fund Large Cap Fund - Direct Plan - Growth gives better returns in the long run with 5Y returns of 12.03% and 3Y returns of 14.7%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund is not necessarily worth it. Although Fund B has a higher Sharpe ratio of 0.63 compared to Fund A's 0.46, its volatility is slightly higher at 12.94. This means that while it provides better risk-adjusted returns, it also comes with a higher risk.
Q3: Which fund is more cost-effective?
Fund B: Tata Mutual Fund Large Cap Fund - Direct Plan - Growth is more cost-effective with an expense ratio of 0.52% compared to Fund A's 0.82%. This means that you pay less for the same investment.
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