SBI Blue Chip Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.44%
3Y Return
6.55%
Dekho, aaj hum do funds ke beech me tanaav karenge - SBI Blue Chip Fund aur Motilal Oswal Liquid Fund. Ye dono funds alag-alag categories mein hain aur alag-alag investment strategy follow karte hain. Chaliye, aaj hum in dono funds ke characteristics jaanne ke liye hain.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Motilal Oswal |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 14.67 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.12 |
| Sharpe Ratio | 0.52 | 0.42 |
| 1 Year Return (%) | -0.75% | 5.84% |
| 3 Year Return (%) | 12.44% | 6.55% |
| 5 Year Return (%) | 13.47% | 5.76% |
| Since Launch (%) | 22.61% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Niket Shah (3.5 years yrs) |
| Benchmark | Nifty 50 | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 8% | 261% |
🤖 AI Verdict – Which is Better?
Haan, yeh question sabse aam hai. Fund A, SBI Blue Chip Fund, ek large cap fund hai jo long-term investment ke liye upyukt hai. Iska 3Y return 12.44% hai aur expense ratio 1.43% hai. Fund B, Motilal Oswal Liquid Fund, ek liquid fund hai jo short-term investment ke liye upyukt hai. Iska 1Y return 5.84% hai aur expense ratio 0.12% hai. So, yeh hai koi sahi fund, lekin Fund A long-term wealth creation ke liye better hai.
Why consider SBI Blue Chip Fund?
- Expense ratio: 1.43%
- 3Y return: 12.44%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.52
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
Ek monthly SIP ke liye, Fund B, Motilal Oswal Liquid Fund, better hai. Iska 1Y return stable hai aur expense ratio kam hai. Fund A ka 3Y return bahut accha hai, lekin iska expense ratio bahut jyada hai. Dekho, Fund B short-term investment ke liye upyukt hai, lekin Fund A long-term investment ke liye upyukt hai.
⚠️ Risk & Cost Analysis
Haan, yeh sabse mahatvpurn cheez hai. Fund A ka riskometer very high hai aur volatility 11.37% hai. Lekin Sharpe ratio 0.52 hai, jo kafi achha hai. Fund B ka riskometer low hai aur volatility 0.12% hai. Lekin Sharpe ratio 0.42 hai, jo Fund A se kam hai. So, Fund B better risk-adjusted returns nahi deta hai.
📊 Portfolio Diversification
Chaliye, portfolio diversification ke baare mein jaane ke liye hain. Fund A ka asset allocation equity ke liye 97.26% hai aur T-Bills ke liye 0.78% hai. Fund B ka asset allocation T-Bills ke liye 65.00% hai, CD ke liye 20.00% hai, CP ke liye 10.00% hai, aur cash ke liye 5.00% hai. Dekho, Fund B ka asset allocation bahut diversified hai, lekin Fund A ka asset allocation kafi concentrate hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% 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?
Sach ye hai ki Fund A ka 5Y return 13.47% hai, jo Fund B se jyada hai. Lekin, long-term investment ke liye, Fund A ka 3Y return bhi 12.44% hai, jo Fund B ka 3Y return se kam hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer very high hai, lekin Sharpe ratio 0.52 hai, jo kafi achha hai. Fund B ka riskometer low hai, lekin Sharpe ratio 0.42 hai, jo Fund A se kam hai. To, Fund A better risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio se kam hai. Lekin, Fund A ka AUM 53,468 Cr hai, jo Fund B ka AUM se jyada hai. To, Fund B more cost-effective 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