Motilal Oswal Large Cap Fund vs Tata 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%
Ab aapke paas do funds hain - Motilal Oswal Large Cap Fund aur Tata Mutual Fund Liquid Fund. Fund A ek large cap fund hai, jiska category hai. Fund B ek liquid fund hai. Is article mein hum aapko Fund A aur Fund B ke beech ki comparison karenge aur aapko bataienge ki kis fund mein long-term wealth creation ke liye invest karna hai.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | Tata Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.50 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.13 |
| Sharpe Ratio | 0.46 | 3.31 |
| 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Humare paas abhi tak 3 saal ke return ke data hain. Dekho, Fund A ka 3 saal ka return 12.12% hai, lekin Fund B ka 3 saal ka return 6.93% hai. Iske alawa, Fund A ka expense ratio 0.82% hai, jo Fund B ka expense ratio 0.12% se jyada hai. Riskometer ke hisaab se, Fund A ek bahut hi high-risk fund hai. Lekin, agar aap long-term wealth creation ke liye invest karna chahte hain, to Fund A ki taraf jaana chahiye.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Ab hum SIP ke hisaab se Fund A aur Fund B ke beech ki comparison karenge. Fund A ka SIP return stable hai, lekin Fund B ka SIP return consistent hai. Iske alawa, Fund A ka 3 saal ka SIP return Fund B ka 3 saal ka SIP return se jyada hai. Lekin, Fund B ka SIP return Fund A ka 5 saal ka SIP return se kam hai. Haan, Fund B ka SIP return Fund A ki volatility se kam hai.
⚠️ Risk & Cost Analysis
Ab hum Fund A aur Fund B ke riskometer, volatility, Sharpe ratio aur expense ratio ke hisaab se comparison karenge. Fund A ka riskometer very high hai, lekin Fund B ka riskometer low hai. Iske alawa, Fund A ka volatility 12.29 hai, jo Fund B ka volatility 0.13 se jyada hai. Sharpe ratio ke hisaab se, Fund B ki risk-adjusted return Fund A ki risk-adjusted return se jyada hai. Lekin, Fund A ka expense ratio Fund B ka expense ratio se jyada hai. Haan, Fund B ka expense ratio Fund A ki volatility se kam hai.
📊 Portfolio Diversification
Ab hum Fund A aur Fund B ke asset allocation aur top holdings concentration ke hisaab se comparison karenge. Fund A ka asset allocation equity mein 96.00% hai, lekin Fund B ka asset allocation T-Bills mein 65.00% hai. Iske alawa, Fund A ka top holdings concentration Fund B ka top holdings concentration se jyada hai. Lekin, Fund B ka sector risk Fund A ka sector risk se kam hai.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
Tata 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 5 saal ka return Fund B ka 5 saal ka return se jyada hai. Isliye, agar aap long-term wealth creation ke liye invest karna chahte hain, to Fund A ki taraf jaana chahiye.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki volatility Fund B ki volatility se jyada hai. Iske alawa, Fund A ka Sharpe ratio Fund B ka Sharpe ratio se kam hai. Lekin, Fund A ka risk-adjusted return Fund B ka risk-adjusted return se jyada hai. Isliye, agar aap high-risk fund mein invest karna chahte hain, to Fund A ki taraf jaana chahiye.
Q3: Which fund is more cost‑effective?
Haan, Fund B ka expense ratio Fund A ka expense ratio se kam hai. Isliye, agar aap cost-effective fund mein invest karna chahte hain, to Fund B ki taraf jaana chahiye.
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