Nippon India Large Cap Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
15.4%
3Y Return
6.55%
Dekho, aap logon ki zaroorat hai ki aap apni paisa ki safalta ke liye sabse achhi fund chun sakein. Aaj humein do fund ke beech mein tareekh ki raksha karne ke liye kaam karna hai. Ye Fund A - Nippon India Large Cap Fund aur Fund B - Motilal Oswal Liquid Fund hai. Ye dono fund India ki market mein bade fund hai. Chaliye, humein in dono fund ke beech mein kya chunna hai?
| Parameter | ANippon India Large Cap Fund - Regular Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Nippon India | Motilal Oswal |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 42.22 | 14.67 |
| AUM (₹ Cr) | 5.17 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 1.56% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.27 | 0.12 |
| Sharpe Ratio | 0.73 | 0.42 |
| 1 Year Return (%) | -0.91% | 5.84% |
| 3 Year Return (%) | 15.4% | 6.55% |
| 5 Year Return (%) | 3.31% | 5.76% |
| Since Launch (%) | 12.7% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 29 November 2012 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) | Niket Shah (3.5 years yrs) |
| Benchmark | Nifty 50 | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), Reliance Industries Ltd. (4.3%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 96.43% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 70% | 261% |
🤖 AI Verdict – Which is Better?
Haan, aaj humein fund B - Motilal Oswal Liquid Fund ko bhi nahi chhodega. Fund A - Nippon India Large Cap Fund ne 3Y mein 15.4% ki return di hai, jabki Fund B ne 6.55% ki return di hai. Lekin expense ratio ke hisaab se, Fund B bahut kam expensive hai. Aur riskometer ke hisaab se, Fund B bahut kam risk hai. Toh, humein Fund B ko long-term wealth creation ke liye preferred karna chahiye.
Why consider Nippon India Large Cap Fund?
- Expense ratio: 1.56%
- 3Y return: 15.4%
- AUM: 5.17 Lac Cr
- Sharpe Ratio: 0.73
Why consider Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
SIP ke liye, humein consistency aur return stability ka dhyan rakhna chahiye. Fund B ne 5.76% ki 5Y return di hai, jabki Fund A ne 3.31% ki return di hai. Toh, SIP ke liye Fund B bahut achha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se, humein Fund B ko better risk-adjusted returns dene ke liye dekhne ka mahatva hai. Fund B ka riskometer Low hai, volatility 0.12 hai, aur Sharpe ratio 0.42 hai. Aur expense ratio 0.12% hai. Fund A ka riskometer Very High hai, volatility 12.27 hai, aur Sharpe ratio 0.73 hai. Aur expense ratio 1.56% hai. Toh, Fund B bahut kam risk hai aur kam expensive hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, humein Fund B ko diversified portfolio dene ke liye dekhne ka mahatva hai. Fund B ka asset allocation T-Bills mein 65.00%, CD mein 20.00%, CP mein 10.00%, aur Cash mein 5.00% hai. Top holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Fund A ka asset allocation Equity mein 96.43% hai, aur Top holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Toh, Fund B ka portfolio diversified hai.
SIP Calculator – Compare Growth Potential
Nippon India Large Cap Fund
₹1428138.45
@15.4% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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?
Long run ke hisaab se, Fund B - Motilal Oswal Liquid Fund ne 5.76% ki 5Y return di hai, jiska mahatva hai.
Q2: Is the higher risk fund worth it?
Higher risk fund ke hisaab se, Fund A ka riskometer Very High hai, volatility 12.27 hai, aur Sharpe ratio 0.73 hai. Fund B ka riskometer Low hai, volatility 0.12 hai, aur Sharpe ratio 0.42 hai. Toh, Fund B bahut kam risk hai.
Q3: Which fund is more cost-effective?
Cost-effective fund ke hisaab se, Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 1.56% hai. Toh, Fund B bahut kam expensive 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