Motilal Oswal Consumption Fund vs SBI Healthcare Opportunities Fund
Direct Plan, Growth option · Data as on 30-10-2026
Motilal Oswal Consumption Fund is a Thematic fund and SBI Healthcare Opportunities Fund is a Thematic fund. In the year to 30-10-2026, Motilal Oswal Consumption Fund (Direct) returned 9.5% and SBI Healthcare Opportunities Fund (Direct) returned 17.1%. Motilal Oswal Consumption Fund charges 0.85% a year and SBI Healthcare Opportunities Fund 1.01% (Direct plans). Their portfolios overlap 1.7%: they hold 1 of the same security.
Motilal Oswal Consumption Fund
Thematic
- 1 year return
- 9.5%
- Expense ratio
- 0.85%
- NAV
- ₹10.96
SBI Healthcare Opportunities Fund
Thematic
- 1 year return
- 17.1%
- Expense ratio
- 1.01%
- NAV
- ₹588.16
Which is better, Motilal Oswal Consumption or SBI Healthcare Opportunities? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Healthcare Opportunities returned more over 1 year: 17.1% against 9.5%.
- Motilal Oswal Consumption costs less: 0.85% a year against 1.01% (Direct plans).
- SBI Healthcare Opportunities fell less in its worst fall since 29-10-2025: −10.3% against −20.3%.
- SBI Healthcare Opportunities is the larger fund: ₹5,870 Cr against ₹1,159 Cr.
- Their portfolios overlap 1.7%: 1 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 | Motilal Oswal Consumption Fund | SBI Healthcare Opportunities Fund |
|---|---|---|
| Fund house | Motilal Oswal Mutual Fund | SBI Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹1,159 Cr (30-09-2026) | ₹5,870 Cr (30-09-2026) |
| NAV | ₹10.96 (Direct) | ₹588.16 (Direct) |
| Expense ratio (Direct) | 0.85% | 1.01% |
| Expense ratio (Regular) | 2.34% | 1.99% |
| Riskometer | Very High | Not available |
| Benchmark | Nifty India Consumption TRI | Not available |
| Launch date | 23-10-2025 | Not available |
| Minimum investment | ₹500 | Not available |
| Lock in | None | Not available |
| Fund managers | Aliasgar Shakir, Varun Sharma, Rakesh Shetty, Swapnil Mayekar | Not available |
| Exit load | 1% - If redeemed within 3 months from the day of allotment. Nil - If redeemed after 3 months from the date of allotment. | Not available |
Motilal Oswal Consumption vs SBI Healthcare Opportunities: 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 |
|---|---|---|---|---|---|---|---|
| Motilal Oswal Consumption Fund (Direct) | −2.50% | +0.67% | +18.50% | +9.51% | -- | -- | -- |
| SBI Healthcare Opportunities Fund (Direct) | +0.31% | −0.59% | +16.00% | +17.12% | +24.60% | +19.22% | +14.72% |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 235 Thematic funds, same plan type.
Motilal Oswal Consumption vs SBI Healthcare Opportunities: Year-wise Returns
| Year | Motilal Oswal ConsumptionMotilal Oswal Consumption | SBI Healthcare OpportunitiesSBI Healthcare Opportunities |
|---|---|---|
| 2026to date | +11.63% | +21.31% |
| 2025 | -- | −2.50% |
| 2024 | -- | +43.75% |
| 2023 | -- | +39.72% |
| 2022 | -- | −5.01% |
| 2021 | -- | +21.48% |
Motilal Oswal Consumption vs SBI Healthcare Opportunities: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of Motilal Oswal Consumption Fund
Motilal Oswal Consumption vs SBI Healthcare Opportunities: 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 29-10-2025 to 30-10-2026: 13 instalments, ₹1,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Motilal Oswal ConsumptionMotilal Oswal Consumption Fund (Regular) | ₹1,30,000 | ₹1,44,433 | ₹14,433 | 19.9% |
| SBI Healthcare OpportunitiesSBI Healthcare Opportunities Fund (Direct) | ₹1,30,000 | ₹1,47,130 | ₹17,130 | 23.5% |
Motilal Oswal ConsumptionMotilal Oswal Consumption Fund (Regular)
SBI Healthcare OpportunitiesSBI Healthcare Opportunities Fund (Direct)
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.
Motilal Oswal Consumption vs SBI Healthcare Opportunities: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Motilal Oswal Consumption Fund (Direct) | SBI Healthcare Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.72% | +17.12% |
| Standard deviation | 17.53% | 13.36% |
| Sharpe ratio | 0.14 | 0.89 |
| Sortino ratio | 0.20 | 1.33 |
| Maximum drawdown | −20.3% (23-03-2026) | −10.3% (23-10-2026) |
| Beta | 0.97 | 0.93 |
| Alpha | +17.83% | +5.25% |
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 | Motilal Oswal Consumption Fund (Direct) | SBI Healthcare Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.99% | +17.93% |
| Standard deviation | 17.53% | 15.96% |
| Sharpe ratio | 0.10 | 0.74 |
| Sortino ratio | 0.14 | 1.05 |
| Maximum drawdown | −20.3% (23-03-2026) | −30.5% (23-03-2020) |
| Beta | 0.97 | 0.91 |
| Alpha | +17.61% | +3.97% |
From daily NAVs, 29-10-2025 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.
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.
Motilal Oswal Consumption Fund (Regular)
SBI Healthcare Opportunities Fund (Direct)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Motilal Oswal Consumption Fund (Regular) | −20.3% | 04-11-2025 | 23-03-2026 | 02-07-2026 | 3 months | −5.6% |
| SBI Healthcare Opportunities Fund (Direct) | −10.3% | 21-09-2026 | 23-10-2026 | Not yet | -- | −3.8% |
| 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.
Motilal Oswal Consumption Fund (Regular)
SBI Healthcare Opportunities Fund (Direct)
Nifty India Consumption TRI
Against Nifty India Consumption TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Motilal Oswal Consumption Fund (Regular) | 134% | 54% | 10.93% |
| SBI Healthcare Opportunities Fund (Direct) | 126% | 25% | 12.81% |
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.
Motilal Oswal Consumption vs SBI Healthcare Opportunities: Portfolio Overlap
From each fund's latest monthly portfolio: Motilal Oswal Consumption Fund, September 2026; SBI Healthcare Opportunities Fund, September 2026
Holdings in common
- Overlap
- 1.7%
- Held by both
- 1
- Only in Motilal Oswal Consumption
- 33
- Only in SBI Healthcare Opportunities
- 35
| Security | % of Motilal Oswal Consumption | % of SBI Healthcare Opportunities |
|---|---|---|
| Healthcare Global Enterprises Limited | 4.89% | 1.70% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 1.7% means 1.7% 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 Motilal Oswal Consumption Fund
| Security | % of fund |
|---|---|
| Bharti Airtel Limited | 6.91% |
| Sky Gold And Diamonds Limited | 5.63% |
| Eternal Limited | 5.60% |
| Kalyan Jewellers India Limited | 5.17% |
| One 97 Communications Limited | 4.59% |
Largest holdings only in SBI Healthcare Opportunities Fund
| Security | % of fund |
|---|---|
| Sun Pharmaceutical Industries Ltd. | 11.14% |
| Divi's Laboratories Ltd. | 7.91% |
| Acutaas Chemicals Ltd. | 5.03% |
| Apollo Hospitals Enterprise Ltd. | 4.45% |
| Torrent Pharmaceuticals Ltd. | 4.42% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Motilal Oswal Consumption | SBI Healthcare Opportunities |
|---|---|---|
| Equity | 96.7% | 95.5% |
| Debt | 0.0% | 0.1% |
| Cash and others | 3.3% | 4.4% |
Market cap of stocks
| Market cap | Motilal Oswal Consumption | SBI Healthcare Opportunities |
|---|---|---|
| Large Cap | 25.5% | 32.3% |
| Mid Cap | 17.4% | 25.7% |
| Small Cap | 44.5% | 35.4% |
| Not on AMFI's list | 9.3% | 2.2% |
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 | Motilal Oswal Consumption | SBI Healthcare Opportunities |
|---|---|---|
| Pharmaceuticals & Biotechnology | 0.0% | 63.1% |
| Healthcare Services | 6.6% | 25.6% |
| Consumer Durables | 17.3% | 0.0% |
| Retailing | 16.5% | 0.0% |
| Commercial Services & Supplies | 8.2% | 0.0% |
| Beverages | 8.2% | 0.0% |
| Auto Components | 7.7% | 0.0% |
| Automobiles | 7.2% | 0.0% |
| Chemicals & Petrochemicals | 1.5% | 5.0% |
| Healthcare Equipment & Supplies | 0.0% | 1.8% |
The six largest sectors of each fund's stocks, % of the fund.
Motilal Oswal Consumption vs SBI Healthcare Opportunities: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Motilal Oswal Consumption Fund | SBI Healthcare Opportunities Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.85% | 1.01% |
| Base expense ratio (Direct) | 0.48% | 0.74% |
| Total expense ratio (Regular) | 2.34% | 1.99% |
| Base expense ratio (Regular) | 1.89% | 1.58% |
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 Motilal Oswal Consumption with
Motilal Oswal Consumption Fund vs SBI Healthcare Opportunities Fund: Frequently Asked Questions
What is the difference between Motilal Oswal Consumption Fund and SBI Healthcare Opportunities Fund?
Motilal Oswal Consumption Fund is a Thematic fund, SBI Healthcare Opportunities Fund is a Thematic fund, run by Motilal Oswal Mutual Fund and SBI Mutual Fund. Their portfolios overlap 1.7%. Motilal Oswal Consumption Fund charges 0.85% a year and SBI Healthcare Opportunities Fund 1.01%.
Which has given higher returns, Motilal Oswal Consumption Fund or SBI Healthcare Opportunities Fund?
Over 1 year: Motilal Oswal Consumption Fund +9.51%, SBI Healthcare Opportunities Fund +17.12%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Motilal Oswal Consumption Fund or SBI Healthcare Opportunities Fund?
Motilal Oswal Consumption Fund charges less: 0.85% a year against 1.01%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Motilal Oswal Consumption Fund and SBI Healthcare Opportunities Fund overlap?
1.7%. They hold 1 of the same securities, the largest shared ones being HCG. From each fund's latest monthly portfolio.
Can I invest in both Motilal Oswal Consumption Fund and SBI Healthcare Opportunities Fund?
Yes. 1.7% of each fund's money sits in the same holdings, so the two hold mostly different investments.
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.