Aditya Birla Sun Life Consumption Fund vs Motilal Oswal Consumption Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Consumption Fund is a Thematic fund and Motilal Oswal Consumption Fund is a Thematic fund. In the year to 30-10-2026, Aditya Birla Sun Life Consumption Fund (Direct) returned −11.6% and Motilal Oswal Consumption Fund (Direct) returned 9.5%. Aditya Birla Sun Life Consumption Fund charges 0.97% a year and Motilal Oswal Consumption Fund 0.85% (Direct plans). Their portfolios overlap 29.6%: they hold 12 of the same securities.
Aditya Birla Sun Life Consumption Fund
Thematic
- 1 year return
- −11.6%
- Expense ratio
- 0.97%
- NAV
- ₹225.96
Motilal Oswal Consumption Fund
Thematic
- 1 year return
- 9.5%
- Expense ratio
- 0.85%
- NAV
- ₹10.96
Which is better, Aditya Birla Sun Life Consumption or Motilal Oswal Consumption? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Motilal Oswal Consumption returned more over 1 year: 9.5% against −11.6%.
- Motilal Oswal Consumption costs less: 0.85% a year against 0.97% (Direct plans).
- Aditya Birla Sun Life Consumption fell less in its worst fall since 29-10-2025: −17.4% against −20.3%.
- Aditya Birla Sun Life Consumption holds more in large companies: 65.5% of the fund in large caps against 25.5%.
- Aditya Birla Sun Life Consumption is the larger fund: ₹5,697 Cr against ₹1,159 Cr.
- Their portfolios overlap 29.6%: 12 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Consumption Fund | Motilal Oswal Consumption Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Motilal Oswal Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹5,697 Cr (30-09-2026) | ₹1,159 Cr (30-09-2026) |
| NAV | ₹225.96 (Direct) | ₹10.96 (Direct) |
| Expense ratio (Direct) | 0.97% | 0.85% |
| Expense ratio (Regular) | 1.95% | 2.34% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty India Consumption TRI | Nifty India Consumption TRI |
| Launch date | 05-08-2005 | 23-10-2025 |
| Minimum investment | ₹1,000 | ₹500 |
| Lock in | None | None |
| Fund managers | Chanchal Khandelwal | Aliasgar Shakir, Varun Sharma, Rakesh Shetty, Swapnil Mayekar |
| Exit load | Exit load of 1%, if redeemed within 30 days. | 1% - If redeemed within 3 months from the day of allotment. Nil - If redeemed after 3 months from the date of allotment. |
Aditya Birla Sun Life Consumption vs Motilal Oswal Consumption: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Consumption Fund (Direct) | −0.99% | −6.82% | −2.70% | −11.55% | +7.96% | +8.18% | +12.92% |
| Motilal Oswal Consumption Fund (Direct) | −2.50% | +0.67% | +18.50% | +9.51% | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Aditya Birla Sun Life Consumption vs Motilal Oswal Consumption: Year-wise Returns
| Year | Aditya Birla Sun LifeAditya Birla Sun Life Consumption | Motilal OswalMotilal Oswal Consumption | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −10.35% | +11.63% | −9.10% |
| 2025 | +5.37% | -- | +9.22% |
| 2024 | +18.76% | -- | +19.77% |
| 2023 | +26.58% | -- | +27.96% |
| 2022 | +6.34% | -- | +8.53% |
| 2021 | +31.22% | -- | +20.82% |
Aditya Birla Sun Life Consumption vs Motilal Oswal Consumption: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of both
Aditya Birla Sun Life Consumption vs Motilal Oswal Consumption: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-10-2025 to 30-10-2026: 13 instalments, ₹1,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life ConsumptionAditya Birla Sun Life Consumption Fund (Direct) | ₹1,30,000 | ₹1,23,337 | −₹6,663 | −8.8% |
| Motilal Oswal ConsumptionMotilal Oswal Consumption Fund (Regular) | ₹1,30,000 | ₹1,44,433 | ₹14,433 | 19.9% |
Aditya Birla Sun Life ConsumptionAditya Birla Sun Life Consumption Fund (Direct)
Motilal Oswal ConsumptionMotilal Oswal Consumption Fund (Regular)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Consumption vs Motilal Oswal Consumption: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Consumption Fund (Direct) | Motilal Oswal Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | −11.55% | +7.72% |
| Standard deviation | 13.94% | 17.53% |
| Sharpe ratio | -1.21 | 0.14 |
| Sortino ratio | -1.57 | 0.20 |
| Maximum drawdown | −17.0% (30-03-2026) | −20.3% (23-03-2026) |
| Beta | 0.90 | 0.97 |
| Alpha | −2.53% | +17.83% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Consumption Fund (Direct) | Motilal Oswal Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | +15.11% | +6.99% |
| Standard deviation | 14.66% | 17.53% |
| Sharpe ratio | 0.62 | 0.10 |
| Sortino ratio | 0.84 | 0.14 |
| Maximum drawdown | −34.5% (23-03-2020) | −20.3% (23-03-2026) |
| Beta | 0.88 | 0.97 |
| Alpha | +2.93% | +17.61% |
From daily NAVs, 02-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life Consumption Fund (Direct)
Motilal Oswal Consumption Fund (Regular)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Consumption Fund (Direct) | −17.4% | 29-10-2025 | 30-03-2026 | Not yet | -- | −12.0% |
| Motilal Oswal Consumption Fund (Regular) | −20.3% | 04-11-2025 | 23-03-2026 | 02-07-2026 | 3 months | −5.6% |
| Nifty India Consumption TRI | −17.7% | 29-10-2025 | 30-03-2026 | Not yet | -- | −11.1% |
From daily values since 29-10-2025, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Consumption Fund (Direct)
Motilal Oswal Consumption Fund (Regular)
Nifty India Consumption TRI
Against Nifty India Consumption TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Consumption Fund (Direct) | 81% | 91% | 3.76% |
| Motilal Oswal Consumption Fund (Regular) | 134% | 54% | 10.93% |
From month-end values since 29-10-2025. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Aditya Birla Sun Life Consumption vs Motilal Oswal Consumption: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Consumption Fund, September 2026; Motilal Oswal Consumption Fund, September 2026
Holdings in common
- Overlap
- 29.6%
- Held by both
- 12
- Only in Aditya Birla Sun Life Consumption
- 52
- Only in Motilal Oswal Consumption
- 22
| Security | % of Aditya Birla Sun Life Consumption | % of Motilal Oswal Consumption |
|---|---|---|
| Eternal Ltd. | 7.35% | 5.60% |
| Bharti Airtel Ltd. | 5.30% | 6.91% |
| Mahindra & Mahindra Ltd. | 4.39% | 4.35% |
| TVS Motor Company Ltd. | 3.87% | 2.87% |
| Lenskart Solutions Ltd. | 2.40% | 2.38% |
| Meesho Ltd. | 2.71% | 2.23% |
| Varun Beverages Ltd. | 1.73% | 2.75% |
| Britannia Industries Ltd. | 1.91% | 1.55% |
| Hindustan Unilever Ltd. | 2.83% | 1.47% |
| Radico Khaitan Ltd. | 1.00% | 1.58% |
| Devyani International Ltd. | 0.85% | 1.56% |
| Milky Mist Dairy Food Ltd. | 0.28% | 1.32% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 29.6% means 29.6% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Consumption Fund
| Security | % of fund |
|---|---|
| ICICI Bank Ltd. | 3.62% |
| Maruti Suzuki India Ltd. | 3.20% |
| ITC Ltd. | 3.04% |
| Titan Company Ltd. | 2.90% |
| Trent Ltd. | 2.85% |
Largest holdings only in Motilal Oswal Consumption Fund
| Security | % of fund |
|---|---|
| Sky Gold And Diamonds Limited | 5.63% |
| Kalyan Jewellers India Limited | 5.17% |
| Healthcare Global Enterprises Limited | 4.89% |
| One 97 Communications Limited | 4.59% |
| Allied Blenders And Distillers Limited | 3.86% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Consumption | Motilal Oswal Consumption |
|---|---|---|
| Equity | 99.1% | 96.7% |
| Debt | 0.0% | 0.0% |
| Cash and others | 0.9% | 3.3% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Consumption | Motilal Oswal Consumption |
|---|---|---|
| Large Cap | 65.5% | 25.5% |
| Mid Cap | 19.6% | 17.4% |
| Small Cap | 13.7% | 44.5% |
| Not on AMFI's list | 0.3% | 9.3% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life Consumption | Motilal Oswal Consumption |
|---|---|---|
| Retailing | 24.3% | 16.5% |
| Consumer Durables | 9.3% | 17.3% |
| Automobiles | 14.1% | 7.2% |
| Commercial Services & Supplies | 0.0% | 8.2% |
| Beverages | 6.6% | 8.2% |
| Auto Components | 0.0% | 7.7% |
| Banks | 7.7% | 0.0% |
| Food Products | 6.1% | 2.9% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Consumption vs Motilal Oswal Consumption: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Consumption Fund | Motilal Oswal Consumption Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.97% | 0.85% |
| Base expense ratio (Direct) | 0.73% | 0.48% |
| Total expense ratio (Regular) | 1.95% | 2.34% |
| Base expense ratio (Regular) | 1.58% | 1.89% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Aditya Birla Sun Life Consumption with
- Aditya Birla Sun Life Consumption vs Nippon India Taiwan Equity
- Aditya Birla Sun Life Consumption vs HDFC Defence
- Aditya Birla Sun Life Consumption vs HDFC Pharma and Healthcare
- Aditya Birla Sun Life Consumption vs SBI Healthcare Opportunities
- Aditya Birla Sun Life Consumption vs Aditya Birla Sun Life International Equity
Compare Motilal Oswal Consumption with
Aditya Birla Sun Life Consumption Fund vs Motilal Oswal Consumption Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Consumption Fund and Motilal Oswal Consumption Fund?
Aditya Birla Sun Life Consumption Fund is a Thematic fund, Motilal Oswal Consumption Fund is a Thematic fund, run by Aditya Birla Sun Life Mutual Fund and Motilal Oswal Mutual Fund. Their portfolios overlap 29.6%. Aditya Birla Sun Life Consumption Fund charges 0.97% a year and Motilal Oswal Consumption Fund 0.85%.
Which has given higher returns, Aditya Birla Sun Life Consumption Fund or Motilal Oswal Consumption Fund?
Over 1 year: Aditya Birla Sun Life Consumption Fund −11.55%, Motilal Oswal Consumption Fund +9.51%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Consumption Fund or Motilal Oswal Consumption Fund?
Motilal Oswal Consumption Fund charges less: 0.85% a year against 0.97%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Consumption Fund and Motilal Oswal Consumption Fund overlap?
29.6%. They hold 12 of the same securities, the largest shared ones being ETERNAL, BHARTIARTL, M&M. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Consumption Fund or Motilal Oswal Consumption Fund?
On SEBI's riskometer, Aditya Birla Sun Life Consumption Fund is rated Very High and Motilal Oswal Consumption Fund Very High. Over 1 years, the standard deviation of daily returns was 13.94% and 17.53% a year.
Can I invest in both Aditya Birla Sun Life Consumption Fund and Motilal Oswal Consumption Fund?
Yes. 29.6% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Aditya Birla Sun Life Consumption Fund and Motilal Oswal Consumption Fund?
Aditya Birla Sun Life Consumption Fund: Chanchal Khandelwal. Motilal Oswal Consumption Fund: Aliasgar Shakir, Varun Sharma, Rakesh Shetty, Swapnil Mayekar.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.