SBI Liquid Fund vs Motilal Oswal Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
12.12%
Yaar, dekho! Today humein do hissey kee comparison karni hai, SBI Liquid Fund aur Motilal Oswal Large Cap Fund. Ye donon fund different category mein hain, liquid aur large cap. Kya aapko pata hai ki liquid fund mein investment karne se kya fayda hai aur large cap fund mein kya risk hai? Aaj hum aapko iske bare mein jaankari denge aur aapko yeh decide karne mein madad karenge ki aapka paisa kis fund mein lagu karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BMotilal Oswal Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Motilal Oswal |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 13.56 |
| AUM (₹ Cr) | 7.12 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.82% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.29 |
| Sharpe Ratio | 3.25 | 0.46 |
| 1 Year Return (%) | 6.15% | -1.96% |
| 3 Year Return (%) | 6.89% | 12.12% |
| 5 Year Return (%) | 6.09% | 12.11% |
| Since Launch (%) | 6.79% | 14.83% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 12 February 2024 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Niket Shah (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 260% | 26% |
🤖 AI Verdict – Which is Better?
Haan, sach ye hai, Motilal Oswal Large Cap Fund long-term wealth creation ke liye better hai. Iska reason hai ki yeh fund 3Y return mein behtara hai, expense ratio thoda jyada hai lekin yeh fund riskometer ke hisab se hi risk hai. Haan, yeh fund aapke long-term investment ke liye behtara hai.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Motilal Oswal Large Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 12.12%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.46
📈 SIP Suitability
Chaliye, SIP suitabilita ke liye hum Motilal Oswal Large Cap Fund ko better saabit karte hain. Iska reason hai ki yeh fund 3Y return mein behtara hai aur iske expense ratio ko bhi thoda jyada consider karna chahiye. Haan, yeh fund aapke 10+ years ke SIP ke liye behtara hai.
⚠️ Risk & Cost Analysis
Lekin, riskometer aur volatility ke liye, SBI Liquid Fund better hai. Iska reason hai ki yeh fund low-risk fund hai aur volatility bhi kam hai. Haan, yeh fund aapke risk-adjusted returns ke liye behtara hai.
📊 Portfolio Diversification
Portfolio diversification ke liye, SBI Liquid Fund better hai. Iska reason hai ki yeh fund asset allocation ke hisab se behtar hai aur top holdings concentration bhi kam hai. Haan, yeh fund aapke portfolio ke liye behtara hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% 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, Motilal Oswal Large Cap Fund 5Y return mein 12.11% hai aur 3Y return mein 12.12% hai. Yeh fund long run ke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, yeh fund worth hai. Motilal Oswal Large Cap Fund ki volatility 12.29 hai aur Sharpe ratio 0.46 hai. Yeh fund risk-adjusted returns ke liye better hai.
Q3: Which fund is more cost-effective?
Sach ye hai, SBI Liquid Fund expense ratio mein behtar hai. Yeh fund 0.12% expense ratio hai. Haan, yeh fund aapke liye 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