Motilal Oswal Mutual Fund Schemes Features And NAV
Mutual Funds are the best investment option for anyone who wants to invest money but have no idea where to invest, and how to invest. It gives you an opportunity to diversify your portfolio with tax benefits and professional management at a low cost. Motilal Oswal Mutual Fund is a Mumbai based AMC, incorporated in 2008. The AMC is promoted by Motilal Oswal Financial Services Ltd and is one of the leading AMCs in the country. Motilal Oswal MF offers mutual funds in equity, debt and hybrid categories with the ‘Buy Right and Sit Tight’ philosophy.
Top 5 Motilal Oswal Mutual Funds
Motilal Oswal Long Term Equity Fund – It is an Equity Linked Saving Scheme(ELSS) Mutual Fund that invests in the equity market. It also gives tax benefits under 80 C of the Income Tax Act.
Fund Facts
| Type of Scheme | Open-ended Direct-Growth Scheme with 3 yrs Lock-in |
| Investment Objective | Tax saving+Long Term Wealth Creation |
| Benchmark | NIFTY 500 TRI |
| Min SIP Amount | Rs. 500 |
| Allocation | Equity and Equity Related Instruments- 99.4%
Money Market Instruments-0.8% |
| NAV(Rs) | Growth – 26.2953, IDCW – 20.6566 |
| Returns | 39.8%(1 yr), 17.0%(3 yrs) and 15.3%(Since launch) |
| AUM | Rs 2310.50 crore |
| Expense Ratio | Regular Plan- 2.21%, Direct Plan- 0.78% |
| Exit Load | Nil |
| Fund manager | Equity Component: Mr.Aditya Khemani
Debt Component: Mr.Abhiroop Mukherjee |
Motilal Oswal Large and Midcap Fund – It is a direct growth mutual fund scheme that invests primarily in large and Midcap stocks providing medium to long-term capital appreciation. It gives high growth with a low volatility portfolio.
Fund Facts
| Type of Scheme | Open-ended Equity Scheme |
| Investment Objective | Medium to Long Term Capital Appreciation |
| Benchmark | NIFTY Large Midcap 250 TRI |
| Min SIP Amount | Rs. 500 |
| Allocation | Equity and Equity Related Instruments -98.7%
Money Market Instruments – 1.7% |
| NAV (Rs) | Growth – 16.6543, IDCW – 16.6543 |
| Returns | 48.5%(1 yr), and 27.1%(Since launch) |
| AUM | Rs 1027.32 crore |
| Expense Ratio | Regular Plan- 2.46%, Direct Plan- 1.06% |
| Exit Load | 1% |
| Fund manager | Equity Component: Mr.Aditya Khemani
Debt Component: Mr.Abhiroop Mukherjee |
Motilal Oswal Focused 25 Fund – It is a large-cap oriented equity scheme with a focus on not more than 25 stocks. It is the 1st equity-oriented scheme launched by Motilal Oswal AMC and has a track record of more than 7 years with an outperformance of 14.8%.
Fund Facts
| Type of Scheme | Open-ended Equity Scheme Focused on Large-cap Stocks |
| Investment Objective | Long Term Capital Appreciation |
| Benchmark | Nifty 50 TRI |
| Min SIP Amount | Rs. 500 |
| Allocation | Equity and Equity Related Instruments -99.3%
Money Market Instruments – 0.9% Debt Instruments – 0.03% |
| NAV (Rs) | Growth – 32.4714, IDCW – 19.0578 |
| Returns | 21.0%(1 yr),16.0(3 yrs), 14.2%(5 yrs), and 14.8%(Since launch) |
| AUM | Rs 1755.39 Crore |
| Expense Ratio | Regular Plan- 2.22%, Direct Plan- 1.07% |
| Exit Load | 1% |
| Fund manager | Equity Component: Mr.. Siddharth Bothra
Debt Component: Mr.Abhiroop Mukherjee |
Motilal Oswal Equity Hybrid Fund – It is a hybrid fund having a combined portfolio of equity, debt, money market instruments and Real Estate Investment Trust Units. It has a large-cap oriented equity portfolio and a high rated low-risk debt portfolio. There is a 65-75% equity allocation amongst 28 stocks and the remaining is debt allocation.
Fund Facts
| Type of Scheme | Open-ended Aggressive Hybrid Fund |
| Investment Objective | To generate equity-linked returns with a low-risk portfolio |
| Benchmark | CRISIL Hybrid 35 + 65 – Aggressive TRI |
| Min SIP Amount | Rs. 500 |
| Allocation | Equity and Equity Related Instruments – 77.1%
Money Market Instruments – 4.8% Debt Instruments – 14.8% |
| NAV (Rs) | Regular plan Growth option – 15.0346,
Direct Plan-Growth option – 15.8298 |
| Returns | 17.7%(1 yr), 14.7(3 yrs), and 13.5%(Since launch) |
| AUM | Rs 407.57 Crore |
| Expense Ratio | Regular Plan- 2.60%, Direct Plan- 1.01% |
| Exit Load | 1% |
| Fund manager | Equity Component: Mr. Siddharth Bothra
Debt Component: Mr.Abhiroop Mukherjee |
Motilal Oswal NIFTY 500 Fund – It is an index based mutual fund that corresponds to the performance of the NIFTY 500 Index. It covers 94% of India’s listed equity in terms of full market capitalisation. It gives a low-cost exposure to equity and comprises large, mid and small-cap stocks.
Fund Facts
| Type of Scheme | Open-ended Index based Scheme |
| Investment Objective | Long Term Capital Growth |
| Benchmark | Nifty 500 TRI |
| Min SIP Amount | Rs. 500 |
| Allocation | 94% large-cap equity listed in NSE |
| NAV (Rs) | Direct-Growth Plan Option: ₹ 16.5579, Regular Growth Plan Option: ₹ 16.3188 |
| Returns | 38.1%(1 yr), 18.5(3 yrs), 17.0%(5 yrs), and 21.4%(15 yrs) |
| AUM | Rs 236.45 Crore |
| Expense Ratio | Regular Plan- 1.04%, Direct Plan- 0.39% |
| Exit Load | 1% |
| Fund manager | Equity Component: Mr. Siddharth Bothra
Debt Component: Mr.Abhiroop Mukherjee |
Tax Implications on Mutual Fund Investments
It is very important to understand tax implications on mutual fund returns because the return you actually get is after deducting taxes.
- Equity-based mutual funds have a short-term capital gain, taxed at 15% if units are held for less than a year, similarly, if units are held for more than 1-year gains are long-term capital gain. If the long-term capital gain is up to 1 lakh, it is tax-exempt, but if it is more than 1 lakh; it is taxed at 10%.
- Debt funds have a short term holding period of 3 yrs and tax is charged as per the income tax slab of the investor. For long-term capital gain, it is 20% +surcharge+cess.
- Hybrid funds are taxed as equity funds if more than 65% is invested in equity, otherwise, these are taxed like debt funds
To Invest in mutual funds, you need to first understand the factors that impact the performance of a fund. Motilal Oswal Mutual Fund NAV gives you an idea of the fund’s growth. A lower NAV means higher growth and vice versa. There are other parameters also to consider, such as track record, fund manager and volatility. Remember that mutual fund investments require discipline and time for best results.
