Old Bridge Mutual Fund Liquid Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.55%
Aaj hum chahein to ek comparision karenge dino ki duniya mein do liquid funds ke beech - Old Bridge Mutual Fund Liquid Fund aur Motilal Oswal Liquid Fund. Kya hoga agar aap dono fund mein paisa lagate hain? Khud ko aapki zaroorat ke hisaab se sahi fund kis tarah choose kar sakte hain. Dekho, hum dono fund ki comparison karne wale hain.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | Motilal Oswal |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 14.67 |
| AUM (₹ Cr) | 4.73 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.58 | 0.42 |
| 1 Year Return (%) | 6.17% | 5.84% |
| 3 Year Return (%) | 6.93% | 6.55% |
| 5 Year Return (%) | 6.11% | 5.76% |
| Since Launch (%) | 50.63% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Niket Shah (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 239% | 261% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum sochte hain ki 3Y return, expense ratio, aur risk ke hisaab se Fund A better hai. Ismein 3Y return 6.93% hai, jo Fund B ki 6.55% se zyada hai. Iske alawa, expense ratio bhi kam hai, jo 0.12% hai. Riskometer bhi low hai, lekin volatility kam hai aur Sharpe ratio bhi zyada. Haan, Fund B ki Sharpe ratio kam hai, lekin expense ratio aur 3Y return ke hisaab se, Fund A better hai.
Why consider Old Bridge Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.73 Lac Cr
- Sharpe Ratio: 3.58
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, hum dono fund ko compare kar rahe hain. Fund A ki consistency aur return stability zyada hai, lekin Fund B ki 1Y return kam hai. Haan, Fund A ki 1Y return 6.17% hai, jo Fund B ki 5.84% se zyada hai. Lekin, Fund B ki return stability kam hai. Chaliye, hum sochte hain ki SIP ke liye Fund A better hai, lekin aapki zaroorat ke hisaab se, aapko decide karna hoga.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se, hum dekheinge ki dono fund mein kya hai. Riskometer low hai, lekin volatility kam hai aur Sharpe ratio bhi zyada. Haan, Fund B ki Sharpe ratio kam hai, lekin expense ratio aur 3Y return ke hisaab se, Fund A better hai. Lekin, Fund B ki volatility kam hai. Sach ye hai, dono fund mein risk kam hai, lekin Fund A ki risk-adjusted return zyada hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, hum dekheinge ki dono fund mein kya hai. Fund A ki asset allocation T-Bills, CD, CP, aur Cash mein 65%, 20%, 10%, aur 5% hai, jo Fund B ki asset allocation se zyada diversified hai. Haan, Fund B ki top holdings concentration bhi kam hai, lekin sector risk bhi kam hai. Chaliye, hum sochte hain ki Fund A ki portfolio diversification zyada hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Haan, Fund A ki 5Y return 6.11% hai, jo Fund B ki 5.76% se zyada hai. Lekin, Fund A ki 3Y return bhi 6.93% hai, jo Fund B ki 6.55% se zyada hai. Sach ye hai, Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki volatility kam hai, lekin Sharpe ratio bhi zyada hai. Fund B ki volatility jyada hai, lekin Sharpe ratio kam hai. Sach ye hai, Fund A ki risk-adjusted return zyada hai, lekin aapki zaroorat ke hisaab se, aapko decide karna hoga.
Q3: Which fund is more cost-effective?
Haan, dono fund ki expense ratio 0.12% hai, lekin Fund A ki expense ratio aur 3Y return ke hisaab se, Fund A cost-effective hai. Sach ye hai, Fund A ki expense ratio aur 3Y return dono kam hain, lekin aapki zaroorat ke hisaab se, aapko decide karna hoga.
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