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
31.25%
3Y Return
6.55%
Aapke paas do alag-alag funds hain jo aapko long-term wealth creation ke liye encourage kar rahe hain. Fund A, SBI Blue Chip Fund, ek Large Cap fund hai jo apne high returns ke liye jaana jaata hai. Fund B, Motilal Oswal Liquid Fund, ek Liquid Fund hai jo risk-free returns provide karta hai.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Motilal Oswal |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 14.67 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.79% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.35 | 0.12 |
| Sharpe Ratio | 2.18 | 0.42 |
| 1 Year Return (%) | 9.84% | 5.84% |
| 3 Year Return (%) | 31.25% | 6.55% |
| 5 Year Return (%) | 25.25% | 5.76% |
| Since Launch (%) | 12.02% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 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 | BSE 100 Total Return Index | 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?
Long-term wealth creation ke liye, hum kisi bhi fund ko chunne se pehle 3Y return, expense ratio, aur risk ka vichar karne ka mahatva denge. Fund A ka 3Y return 31.25% hai, jabki Fund B ka 3Y return 6.55% hai. Expense ratio ke hisaab se bhi Fund A accha hai, jo 0.79% hai, jabki Fund B ka expense ratio 0.12% hai. Riskometer ka dhyan rakhne par bhi Fund A behtar hai, jo Very High hai, jabki Fund B ka riskometer Low hai. Haan, Fund A kisi bhi long-term investor ke liye accha fund hai.
Why consider SBI Blue Chip Fund?
- Expense ratio: 0.79%
- 3Y return: 31.25%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 2.18
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
Aap SIP ke madhyam se 10+ years ke liye invest karte hain, toh Fund A accha fund hai. Fund A ka consistency aur return stability dono mein behtar hai. Fund A ka 1Y return 9.84% hai, jabki Fund B ka 1Y return 5.84% hai. Dekho, Fund A ka 5Y return 25.25% hai, jabki Fund B ka 5Y return 5.76% hai. Haan, Fund A SIP ke liye accha fund hai.
⚠️ Risk & Cost Analysis
Ab hum Fund A aur Fund B ko riskometer, volatility, Sharpe ratio, aur expense ratio ka hisaab lene jaein. Riskometer aur volatility ke hisaab se bhi Fund A behtar hai, jo Very High aur 11.35 hai, jabki Fund B ka riskometer Low aur volatility 0.12 hai. Sharpe ratio ke hisaab se bhi Fund A behtar hai, jo 2.18 hai, jabki Fund B ka Sharpe ratio 0.42 hai. Expense ratio ke hisaab se bhi Fund A accha hai, jo 0.79% hai, jabki Fund B ka expense ratio 0.12% hai. Haan, Fund A behtar risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Ab hum Fund A aur Fund B ko asset allocation aur top holdings concentration ka hisaab lene jaein. Fund A ka asset allocation Equity 97.26% aur T-Bills 0.78% hai, jabki Fund B ka asset allocation T-Bills 65.00% aur CD 20.00% hai. Top holdings concentration ke hisaab se bhi Fund A accha hai, jo HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein 22.05% concentration hai, jabki Fund B ka top holdings concentration State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein 22.5% concentration hai. Haan, Fund A portfolio diversification ke liye accha fund hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% 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 liye, Fund A ka 5Y return 25.25% hai, jabki Fund B ka 5Y return 5.76% hai. Haan, Fund A long run ke liye behtar fund hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke hisaab se Fund A behtar hai, jo Very High aur 11.35 hai, jabki Fund B ka riskometer Low aur volatility 0.12 hai. Sharpe ratio ke hisaab se bhi Fund A behtar hai, jo 2.18 hai, jabki Fund B ka Sharpe ratio 0.42 hai. Haan, Fund A behtar risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisaab se Fund B accha hai, jo 0.12% hai, jabki Fund A ka expense ratio 0.79% hai. Haan, Fund B cost-effective fund 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