Motilal Oswal Large Cap Fund vs UTI 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%
Aaj hum do funds ke beech ka sanvaad karne ja rahe hain - Motilal Oswal Large Cap Fund aur UTI Mutual Fund Liquid Fund. Ye dono funds aapke paiso ko secure aur behtar return de sakte hain, lekin kya aapke liye yah suitable hai, yeh janna zaroori hai. Hum aapko iske beech ka comparison karke batayenge, aur aapko pata chalayenge ki kis fund mein aapki paisa lagane ki zaroorat hai.
| Parameter | AMotilal Oswal Large Cap Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Motilal Oswal | UTI Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 13.56 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.82% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.29 | 0.11 |
| Sharpe Ratio | 0.46 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Long term wealth creation ke liye, hum Motilal Oswal Large Cap Fund ko better fund samjhte hain. Iska 3Y return 12.12% hai, jo ki bahut accha hai. Expense ratio bhi kam hai, aur riskometer bhi high hai, jisse aapko jyada return milega. Haan, is fund ka risk bhi high hai, lekin yadi aap long term investor hain, to yah fund aapke liye bahut suitable 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Monthly SIP ke liye, hum Motilal Oswal Large Cap Fund ko better fund samjhte hain. Iska 3Y return stable hai, aur expense ratio bhi kam hai. Lekin, agar aap SIP ka long term plan banane ja rahe hain, to UTI Mutual Fund Liquid Fund bhi ek accha option hai. Iska risk low hai, aur return bhi stable hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke hisaab se, hum Motilal Oswal Large Cap Fund ko better fund samjhte hain. Iska riskometer high hai, lekin Sharpe ratio bhi accha hai, jisse aapko jyada return milega. Haan, expense ratio bhi kam hai, jisse aapko paisa bachega. Lekin, agar aap ka budget low hai, to UTI Mutual Fund Liquid Fund bhi ek accha option hai. Iska expense ratio bahut kam hai, lekin return bhi thoda low hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, hum Motilal Oswal Large Cap Fund ko better fund samjhte hain. Iska asset allocation bahut accha hai, aur top holdings concentration bhi kam hai. Haan, Reliance Industries Ltd. aur HDFC Bank Ltd. dono ki bahut badi share hai, lekin iska risk bhi kam hai, kyonki yeh do company bahut stable hain.
SIP Calculator – Compare Growth Potential
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% annual return (3Y)
UTI 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 Motilal Oswal Large Cap Fund ka 5Y return 12.11% hai, jo ki bahut accha hai. Haan, UTI Mutual Fund Liquid Fund ka 5Y return bhi 6.11% hai, lekin yeh fund long term wealth creation ke liye thoda kam hai.
Q2: Is the higher risk fund worth it?
Haan, Motilal Oswal Large Cap Fund ka riskometer high hai, lekin Sharpe ratio bhi accha hai. Yeh fund aapke liye bahut suitable hai, agar aap long term investor hain.
Q3: Which fund is more cost-effective?
UTI Mutual Fund Liquid Fund ka expense ratio bahut kam hai, jisse aapko paisa bachega. Haan, lekin yeh fund ka return bhi thoda low hai, lekin agar aap ka budget low hai, to yeh fund aapke liye bahut suitable 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