Helios Financial Services Fund vs Motilal Oswal Financial Services Fund
Direct Plan, Growth option · Data as on 30-10-2026
Helios Financial Services Fund is a Sectoral fund and Motilal Oswal Financial Services Fund is a Thematic fund. Helios Financial Services Fund charges 1.16% a year and Motilal Oswal Financial Services Fund 1.32% (Direct plans). Their portfolios overlap 50.5%: they hold 17 of the same securities.
Motilal Oswal Financial Services Fund
Thematic
- Expense ratio
- 1.32%
- NAV
- ₹10.21
Which is better, Helios Financial Services or Motilal Oswal Financial Services? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Helios Financial Services costs less: 1.16% a year against 1.32% (Direct plans).
- Motilal Oswal Financial Services fell less in its worst fall since 20-02-2026: −11.4% against −15.8%.
- Motilal Oswal Financial Services is the larger fund: ₹209 Cr against ₹196 Cr.
- Their portfolios overlap 50.5%: 17 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 | Helios Financial Services Fund | Motilal Oswal Financial Services Fund |
|---|---|---|
| Fund house | Helios Mutual Fund | Motilal Oswal Mutual Fund |
| Category | Sectoral | Thematic |
| AUM | ₹196 Cr (30-09-2026) | ₹209 Cr (30-09-2026) |
| NAV | ₹11.00 (Direct) | ₹10.21 (Direct) |
| Expense ratio (Direct) | 1.16% | 1.32% |
| Expense ratio (Regular) | 2.68% | 2.70% |
| Riskometer | Very High | Not available |
| Benchmark | Nifty Financial Services TRI | Not available |
| Launch date | 24-06-2024 | Not available |
| Minimum investment | ₹5,000 | Not available |
| Lock in | None | Not available |
| Fund managers | Alok Bahl, Pratik Singh | Not available |
| Exit load | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months. | Not available |
Helios Financial Services vs Motilal Oswal Financial Services: 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 |
|---|---|---|---|---|---|---|---|
| Helios Financial Services Fund (Direct) | −3.34% | −5.90% | −3.42% | −9.47% | -- | -- | -- |
| Motilal Oswal Financial Services Fund (Direct) | −0.10% | −2.96% | +3.29% | -- | -- | -- | -- |
| Sectoral average | −1.70% | −4.49% | +2.30% | −0.58% | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
Category average: the average of the 20 Sectoral funds and the 235 Thematic funds, same plan type.
Helios Financial Services vs Motilal Oswal Financial Services: Year-wise Returns
| Year | HeliosHelios Financial Services | Motilal OswalMotilal Oswal Financial Services | Nifty Financial Services TRI |
|---|---|---|---|
| 2026to date | −10.06% | -- | −9.69% |
| 2025 | +12.51% | -- | +18.60% |
Helios Financial Services vs Motilal Oswal Financial Services: Rolling Returns
Every holding period of both funds, against Nifty Financial Services TRI, the benchmark of both
Helios Financial Services vs Motilal Oswal Financial Services: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Helios Financial Services Fund (Direct) | Motilal Oswal Financial Services Fund (Direct) |
|---|---|---|
| Return (CAGR) | +3.27% | +3.00% |
| Standard deviation | 17.20% | 19.80% |
| Sharpe ratio | -0.15 | -0.11 |
| Sortino ratio | -0.21 | -0.16 |
| Maximum drawdown | −17.7% (30-03-2026) | −11.4% (30-03-2026) |
| Beta | 1.02 | 0.94 |
| Alpha | +0.20% | +18.12% |
From daily NAVs, 25-06-2024 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.
Helios Financial Services Fund (Direct)
Motilal Oswal Financial Services Fund (Direct)
Nifty Financial Services TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Helios Financial Services Fund (Direct) | −15.8% | 23-02-2026 | 30-03-2026 | 06-07-2026 | 3 months | −10.3% |
| Motilal Oswal Financial Services Fund (Direct) | −11.4% | 20-02-2026 | 30-03-2026 | 17-04-2026 | 18 days | −7.5% |
| Nifty Financial Services TRI | −17.3% | 23-02-2026 | 30-03-2026 | Not yet | -- | −12.4% |
From daily values since 20-02-2026, the first day every fund has.
Helios Financial Services vs Motilal Oswal Financial Services: Portfolio Overlap
From each fund's latest monthly portfolio: Helios Financial Services Fund, September 2026; Motilal Oswal Financial Services Fund, September 2026
Holdings in common
- Overlap
- 50.5%
- Held by both
- 17
- Only in Helios Financial Services
- 13
- Only in Motilal Oswal Financial Services
- 12
| Security | % of Helios Financial Services | % of Motilal Oswal Financial Services |
|---|---|---|
| ICICI Bank Ltd. | 13.11% | 6.31% |
| State Bank of India | 6.17% | 6.56% |
| Bajaj Finance Ltd. | 7.18% | 4.69% |
| One 97 Communications Ltd. | 8.40% | 3.89% |
| Multi Commodity Exchange of India Ltd. | 3.58% | 5.75% |
| HDFC Bank Ltd. | 11.50% | 3.39% |
| Cholamandalam Investment & Finance Co. Ltd. | 3.25% | 3.82% |
| Shriram Finance Ltd. | 3.98% | 2.82% |
| PNB Housing Finance Ltd. | 3.40% | 2.67% |
| Prudent Corporate Advisory Services Ltd. | 2.48% | 3.10% |
| Kotak Mahindra Bank Ltd. | 2.10% | 3.86% |
| Piramal Finance Ltd. | 2.09% | 1.95% |
| Aditya Birla Capital Ltd. | 1.70% | 1.82% |
| Billionbrains Garage Ventures Ltd. | 1.67% | 1.78% |
| Pine Labs Ltd. | 1.49% | 2.22% |
| RBL Bank Ltd. | 1.45% | 3.37% |
| SBI funds Management ltd. | 4.58% | 0.92% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 50.5% means 50.5% 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 Helios Financial Services Fund
| Security | % of fund |
|---|---|
| Motilal Oswal Financial Services Ltd. | 4.30% |
| City Union Bank Ltd. | 2.21% |
| 360 ONE WAM Ltd. | 1.84% |
| Poonawalla Fincorp Ltd. | 1.80% |
| Computer Age Management Services Ltd. | 1.76% |
Largest holdings only in Motilal Oswal Financial Services Fund
| Security | % of fund |
|---|---|
| IndusInd Bank Limited | 3.58% |
| Muthoot Finance Limited | 3.14% |
| Moneyview Limited | 3.13% |
| Karur Vysya Bank Limited | 2.48% |
| Onemi Technology Solutions Limited | 2.47% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Helios Financial Services | Motilal Oswal Financial Services |
|---|---|---|
| Equity | 99.8% | 88.9% |
| Debt | 0.0% | 0.0% |
| Cash and others | 0.2% | 11.1% |
Market cap of stocks
| Market cap | Helios Financial Services | Motilal Oswal Financial Services |
|---|---|---|
| Large Cap | 52.0% | 43.4% |
| Mid Cap | 26.9% | 21.4% |
| Small Cap | 15.7% | 20.0% |
| Not on AMFI's list | 5.3% | 4.0% |
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 | Helios Financial Services | Motilal Oswal Financial Services |
|---|---|---|
| Banks | 37.5% | 38.7% |
| Finance | 26.3% | 23.4% |
| Capital Markets | 25.1% | 15.3% |
| Financial Technology (Fintech) | 11.0% | 9.2% |
| Insurance | 0.0% | 2.3% |
The six largest sectors of each fund's stocks, % of the fund.
Helios Financial Services vs Motilal Oswal Financial Services: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Helios Financial Services Fund | Motilal Oswal Financial Services Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.16% | 1.32% |
| Base expense ratio (Direct) | 0.79% | 0.78% |
| Total expense ratio (Regular) | 2.68% | 2.70% |
| Base expense ratio (Regular) | 2.10% | 2.10% |
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.
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Helios Financial Services Fund vs Motilal Oswal Financial Services Fund: Frequently Asked Questions
What is the difference between Helios Financial Services Fund and Motilal Oswal Financial Services Fund?
Helios Financial Services Fund is a Sectoral fund, Motilal Oswal Financial Services Fund is a Thematic fund, run by Helios Mutual Fund and Motilal Oswal Mutual Fund. Their portfolios overlap 50.5%. Helios Financial Services Fund charges 1.16% a year and Motilal Oswal Financial Services Fund 1.32%.
Which has the lower expense ratio, Helios Financial Services Fund or Motilal Oswal Financial Services Fund?
Helios Financial Services Fund charges less: 1.16% a year against 1.32%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Helios Financial Services Fund and Motilal Oswal Financial Services Fund overlap?
50.5%. They hold 17 of the same securities, the largest shared ones being ICICIBANK, SBIN, BAJFINANCE. From each fund's latest monthly portfolio.
Can I invest in both Helios Financial Services Fund and Motilal Oswal Financial Services Fund?
Yes. 50.5% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
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.