Motilal Oswal Financial Services Fund vs SBI Children's Fund - Investment Plan
Direct Plan, Growth option · Data as on 30-10-2026
Motilal Oswal Financial Services Fund is a Thematic fund and SBI Children's Fund - Investment Plan is a Solution fund. Motilal Oswal Financial Services Fund charges 1.32% a year and SBI Children's Fund - Investment Plan 1.06% (Direct plans). Their portfolios overlap 15.7%: they hold 5 of the same securities.
Motilal Oswal Financial Services Fund
Thematic
- Expense ratio
- 1.32%
- NAV
- ₹10.21
SBI Children's Fund - Investment Plan
Solution
- Expense ratio
- 1.06%
- NAV
- ₹51.65
Which is better, Motilal Oswal Financial Services or SBI Children's Fund - Investment Plan? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Children's Fund - Investment Plan costs less: 1.06% a year against 1.32% (Direct plans).
- SBI Children's Fund - Investment Plan fell less in its worst fall since 20-02-2026: −8.2% against −11.4%.
- SBI Children's Fund - Investment Plan holds 12.3% of the fund in foreign stocks; Motilal Oswal Financial Services 0.0%.
- Motilal Oswal Financial Services holds more in large companies: 43.4% of the fund in large caps against 19.3%.
- SBI Children's Fund - Investment Plan is the larger fund: ₹7,949 Cr against ₹209 Cr.
- Their portfolios overlap 15.7%: 5 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 Financial Services Fund | SBI Children's Fund - Investment Plan |
|---|---|---|
| Fund house | Motilal Oswal Mutual Fund | SBI Mutual Fund |
| Category | Thematic | Solution |
| AUM | ₹209 Cr (30-09-2026) | ₹7,949 Cr (30-09-2026) |
| NAV | ₹10.21 (Direct) | ₹51.65 (Direct) |
| Expense ratio (Direct) | 1.32% | 1.06% |
| Expense ratio (Regular) | 2.70% | 1.99% |
| Riskometer | Not available | Very High |
| Benchmark | Not available | CRISIL Hybrid 35+65 - Aggressive Index |
| Launch date | Not available | 29-09-2020 |
| Minimum investment | Not available | ₹5,000 |
| Lock in | Not available | 5 years, or until retirement if earlier |
| Fund managers | Not available | Lokesh Mallya, R Srinivasan |
| Exit load | Not available | Not available |
Motilal Oswal Financial Services vs SBI Children's Fund - Investment Plan: 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 Financial Services Fund (Direct) | −0.10% | −2.96% | +3.29% | -- | -- | -- | -- |
| SBI Children's Fund - Investment Plan (Direct) | −3.21% | −3.49% | +4.70% | +6.28% | +20.25% | +17.93% | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Motilal Oswal Financial Services vs SBI Children's Fund - Investment Plan: Year-wise Returns
| Year | Motilal Oswal Financial ServicesMotilal Oswal Financial Services | SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan |
|---|---|---|
| 2026to date | -- | +9.10% |
| 2025 | -- | +4.23% |
| 2024 | -- | +40.18% |
| 2023 | -- | +31.47% |
| 2022 | -- | +6.24% |
| 2021 | -- | +80.01% |
Motilal Oswal Financial Services vs SBI Children's Fund - Investment Plan: Rolling Returns
Every holding period of both funds, against Nifty Financial Services TRI, the benchmark of Motilal Oswal Financial Services Fund
Motilal Oswal Financial Services vs SBI Children's Fund - Investment Plan: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Motilal Oswal Financial Services Fund (Direct) | SBI Children's Fund - Investment Plan (Direct) |
|---|---|---|
| Return (CAGR) | +3.00% | +30.90% |
| Standard deviation | 19.80% | 12.55% |
| Sharpe ratio | -0.11 | 2.04 |
| Sortino ratio | -0.16 | 3.03 |
| Maximum drawdown | −11.4% (30-03-2026) | −15.7% (04-03-2025) |
| Beta | 0.94 | -- |
| Alpha | +18.12% | -- |
From daily NAVs, 20-02-2026 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 Financial Services Fund (Direct)
SBI Children's Fund - Investment Plan (Direct)
Nifty Financial Services TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Motilal Oswal Financial Services Fund (Direct) | −11.4% | 20-02-2026 | 30-03-2026 | 17-04-2026 | 18 days | −7.5% |
| SBI Children's Fund - Investment Plan (Direct) | −8.2% | 20-02-2026 | 30-03-2026 | 10-04-2026 | 11 days | −5.5% |
| 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.
Motilal Oswal Financial Services vs SBI Children's Fund - Investment Plan: Portfolio Overlap
From each fund's latest monthly portfolio: Motilal Oswal Financial Services Fund, September 2026; SBI Children's Fund - Investment Plan, September 2026
Holdings in common
- Overlap
- 15.7%
- Held by both
- 5
- Only in Motilal Oswal Financial Services
- 24
- Only in SBI Children's Fund - Investment Plan
- 30
| Security | % of Motilal Oswal Financial Services | % of SBI Children's Fund - Investment Plan |
|---|---|---|
| State Bank of India | 6.56% | 4.35% |
| Kotak Mahindra Bank Ltd | 3.86% | 3.67% |
| Muthoot Finance Limited | 3.14% | 2.65% |
| Bajaj Finance Ltd | 4.69% | 2.53% |
| ICICI Bank Limited | 6.31% | 2.49% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 15.7% means 15.7% 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 Financial Services Fund
| Security | % of fund |
|---|---|
| Multi Commodity Exchange of India Limited | 5.75% |
| One 97 Communications Limited | 3.89% |
| Cholamandalam Investment and Finance Company Limited | 3.82% |
| IndusInd Bank Limited | 3.58% |
| HDFC Bank Limited | 3.39% |
Largest holdings only in SBI Children's Fund - Investment Plan
| Security | % of fund |
|---|---|
| Thangamayil Jewellery Ltd. | 4.46% |
| Hatsun Agro Product Ltd. | 3.83% |
| Adani Enterprises Ltd. | 3.65% |
| Aequs Ltd. | 3.52% |
| Sona Blw Precision Forgings Ltd. | 3.45% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Motilal Oswal Financial Services | SBI Children's Fund - Investment Plan |
|---|---|---|
| Equity | 88.9% | 86.8% |
| Debt | 0.0% | 0.4% |
| Cash and others | 11.1% | 12.9% |
Market cap of stocks
| Market cap | Motilal Oswal Financial Services | SBI Children's Fund - Investment Plan |
|---|---|---|
| Large Cap | 43.4% | 19.3% |
| Mid Cap | 21.4% | 3.5% |
| Small Cap | 20.0% | 51.7% |
| Foreign stocks | 0.0% | 12.3% |
| Not on AMFI's list | 4.0% | 0.0% |
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 | Motilal Oswal Financial Services | SBI Children's Fund - Investment Plan |
|---|---|---|
| Banks | 38.7% | 10.5% |
| Finance | 23.4% | 5.3% |
| Capital Markets | 15.3% | 0.0% |
| Financial Technology (Fintech) | 9.2% | 0.0% |
| Food Products | 0.0% | 7.9% |
| Consumer Durables | 0.0% | 7.0% |
| IT - Services | 0.0% | 5.4% |
| IT - Software | 0.0% | 5.4% |
| Auto Components | 0.0% | 5.3% |
| Insurance | 2.3% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Motilal Oswal Financial Services vs SBI Children's Fund - Investment Plan: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Motilal Oswal Financial Services Fund | SBI Children's Fund - Investment Plan |
|---|---|---|
| Total expense ratio (Direct) | 1.32% | 1.06% |
| Base expense ratio (Direct) | 0.78% | 0.72% |
| Total expense ratio (Regular) | 2.70% | 1.99% |
| Base expense ratio (Regular) | 2.10% | 1.53% |
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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Motilal Oswal Financial Services Fund vs SBI Children's Fund - Investment Plan: Frequently Asked Questions
What is the difference between Motilal Oswal Financial Services Fund and SBI Children's Fund - Investment Plan?
Motilal Oswal Financial Services Fund is a Thematic fund, SBI Children's Fund - Investment Plan is a Solution fund, run by Motilal Oswal Mutual Fund and SBI Mutual Fund. Their portfolios overlap 15.7%. Motilal Oswal Financial Services Fund charges 1.32% a year and SBI Children's Fund - Investment Plan 1.06%.
Which has the lower expense ratio, Motilal Oswal Financial Services Fund or SBI Children's Fund - Investment Plan?
SBI Children's Fund - Investment Plan charges less: 1.06% a year against 1.32%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Motilal Oswal Financial Services Fund and SBI Children's Fund - Investment Plan overlap?
15.7%. They hold 5 of the same securities, the largest shared ones being SBIN, KOTAKBANK, MUTHOOTFIN. From each fund's latest monthly portfolio.
Can I invest in both Motilal Oswal Financial Services Fund and SBI Children's Fund - Investment Plan?
Yes. 15.7% of each fund's money sits in the same holdings, so some 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.