Motilal Oswal Liquid Fund vs Quant Liquid Fund
Direct Plan, Growth option · Data as on 30-10-2026
Motilal Oswal Liquid Fund and Quant Liquid Fund are both Liquid funds. In the 3 years to 30-10-2026, Motilal Oswal Liquid Fund (Direct) returned 6.5% a year and Quant Liquid Fund (Direct) returned 6.7% a year. Motilal Oswal Liquid Fund charges 0.20% a year and Quant Liquid Fund 0.31% (Direct plans). Their portfolios overlap 18.7%: they hold 4 of the same securities.
Motilal Oswal Liquid Fund
Liquid
- 3 year return
- 6.5%
- Expense ratio
- 0.20%
- NAV
- ₹15.05
Which is better, Motilal Oswal Liquid or Quant Liquid? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Quant Liquid returned more over 5 years: 6.3% a year against 6.0%.
- Quant Liquid returned more over 3 years: 6.7% a year against 6.5%.
- Motilal Oswal Liquid costs less: 0.20% a year against 0.31% (Direct plans).
- Motilal Oswal Liquid swung less over 3 years: a standard deviation of 0.0% a year against 0.2%.
- Quant Liquid is the larger fund: ₹1,149 Cr against ₹1,016 Cr.
- Their portfolios overlap 18.7%: 4 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 Liquid Fund | Quant Liquid Fund |
|---|---|---|
| Fund house | Motilal Oswal Mutual Fund | quant Mutual Fund |
| Category | Liquid | Liquid |
| AUM | ₹1,016 Cr (30-09-2026) | ₹1,149 Cr (30-09-2026) |
| NAV | ₹15.05 (Direct) | ₹45.79 (Direct) |
| Expense ratio (Direct) | 0.20% | 0.31% |
| Expense ratio (Regular) | 0.41% | 0.59% |
| Riskometer | Low | Moderate |
| Benchmark | CRISIL Liquid Debt A-I Index | CRISIL LIQUID DEBT A-1 INDEX |
| Launch date | 20-12-2018 | 03-10-2025 |
| Minimum investment | INF247L01874 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Rakesh Shetty | Sanjeev Sharma, Haroonvardhan Sirohi |
| Exit load | Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days. | Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days. |
Motilal Oswal Liquid vs Quant Liquid: 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 Liquid Fund (Direct) | +0.40% | +1.38% | +2.95% | +6.05% | +6.50% | +6.03% | -- |
| Quant Liquid Fund (Direct) | +0.41% | +1.43% | +2.93% | +6.03% | +6.70% | +6.33% | +6.32% |
| Liquid average | +0.44% | +1.46% | +3.06% | +6.23% | +6.66% | +6.18% | +5.85% |
Category average: the average of the 44 Liquid funds, same plan type.
Motilal Oswal Liquid vs Quant Liquid: Year-wise Returns
| Year | Motilal OswalMotilal Oswal Liquid | QuantQuant Liquid |
|---|---|---|
| 2026to date | +5.02% | +4.99% |
| 2025 | +6.22% | +6.54% |
| 2024 | +7.05% | +7.33% |
| 2023 | +6.70% | +6.98% |
| 2022 | +4.57% | +5.01% |
| 2021 | +3.09% | +4.28% |
Motilal Oswal Liquid vs Quant Liquid: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 340 of them, one for each trading day from 19-09-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Motilal Oswal Liquid Fund
Quant Liquid Fund (Direct)
to
Oct 2025Dec 2022
to
Dec 2025Mar 2023
to
Mar 2026May 2023
to
May 2026Jul 2023
to
Jul 2026Sept 2023
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Motilal Oswal Liquid | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0% | 0.0% | 0.0% | 0.0% |
| Quant Liquid | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6.9% | 6.9% | 6.7% | 7.0% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 19-09-2022. Past returns do not promise future returns.
Motilal Oswal Liquid vs Quant Liquid: 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 19-09-2022 to 30-10-2026: 50 instalments, ₹5,00,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Motilal Oswal LiquidMotilal Oswal Liquid Fund | ₹5,00,000 | ₹5,00,000 | ₹0 | −0.0% |
| Quant LiquidQuant Liquid Fund (Direct) | ₹5,00,000 | ₹5,73,829 | ₹73,829 | 6.6% |
Motilal Oswal LiquidMotilal Oswal Liquid Fund
Quant LiquidQuant Liquid 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 Liquid vs Quant Liquid: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Motilal Oswal Liquid Fund (Direct) | Quant Liquid Fund (Direct) |
|---|---|---|
| Return (CAGR) | 0.00% | +6.03% |
| Standard deviation | 0.00% | 0.17% |
| Sharpe ratio | -- | 4.61 |
| Sortino ratio | -17.92 | 10.83 |
| Maximum drawdown | 0.0% | −0.0% (22-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Liquid Fund (Direct) | Quant Liquid Fund (Direct) |
|---|---|---|
| Return (CAGR) | 0.00% | +6.70% |
| Standard deviation | 0.00% | 0.17% |
| Sharpe ratio | -- | 3.96 |
| Sortino ratio | -17.95 | 10.39 |
| Maximum drawdown | 0.0% | −0.0% (22-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2023 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 Liquid Fund (Direct) | Quant Liquid Fund (Direct) |
|---|---|---|
| Return (CAGR) | 0.00% | +6.39% |
| Standard deviation | 0.00% | 4.34% |
| Sharpe ratio | -- | 0.08 |
| Sortino ratio | -17.99 | 0.10 |
| Maximum drawdown | 0.0% | −9.0% (07-01-2013) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 19-09-2022 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 Liquid Fund
Quant Liquid Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Motilal Oswal Liquid Fund | 0.0% | -- | -- | -- | -- | 0.0% |
| Quant Liquid Fund (Direct) | −0.0% | 27-03-2023 | 28-03-2023 | 29-03-2023 | 1 days | 0.0% |
From daily values since 19-09-2022, 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 Liquid Fund
Quant Liquid Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Motilal Oswal Liquid Fund
Quant Liquid Fund (Direct)
Motilal Oswal Liquid vs Quant Liquid: Portfolio Overlap
From each fund's latest monthly portfolio: Motilal Oswal Liquid Fund, September 2026; Quant Liquid Fund, September 2026
Holdings in common
- Overlap
- 18.7%
- Held by both
- 4
- Only in Motilal Oswal Liquid
- 18
- Only in Quant Liquid
- 10
| Security | % of Motilal Oswal Liquid | % of Quant Liquid |
|---|---|---|
| 91 Days Tbill (MD 10/12/2026) | 9.74% | 8.61% |
| Bank of Baroda 2026 | 4.89% | 8.65% |
| Kotak Mahindra Bank Limited 2026 | 4.86% | 6.44% |
| Corporate Debt Market Development Fund Class A2 | 0.33% | 0.67% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 18.7% means 18.7% 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 Liquid Fund
| Security | % of fund |
|---|---|
| 91 Days Tbill (MD 08/10/2026) | 9.83% |
| Bajaj Finance Limited 2026 | 4.91% |
| Poonawalla Fincorp Limited 2026 | 4.91% |
| 364 Days Tbill (MD 06/11/2026) | 4.90% |
| HDFC Bank Limited 2026 | 4.89% |
Largest holdings only in Quant Liquid Fund
| Security | % of fund |
|---|---|
| TREPS 01-Oct-2026 DEPO 10 | 21.39% |
| REC Ltd CP 22-Oct-2026 | 8.67% |
| 91 Days Treasury Bill 29-Oct-2026 | 8.67% |
| PNB Housing Finance Ltd CP 27-Oct-2026 | 8.66% |
| Godrej Industries Ltd CP 23-Oct-2026 | 6.50% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Motilal Oswal Liquid | Quant Liquid |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 97.7% | 99.3% |
| Cash and others | 2.3% | 0.7% |
Motilal Oswal Liquid vs Quant Liquid: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Motilal Oswal Liquid Fund | Quant Liquid Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.20% | 0.31% |
| Base expense ratio (Direct) | 0.17% | 0.26% |
| Total expense ratio (Regular) | 0.41% | 0.59% |
| Base expense ratio (Regular) | 0.35% | 0.50% |
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 Liquid with
Motilal Oswal Liquid Fund vs Quant Liquid Fund: Frequently Asked Questions
What is the difference between Motilal Oswal Liquid Fund and Quant Liquid Fund?
Both are Liquid funds, run by Motilal Oswal Mutual Fund and quant Mutual Fund. Their portfolios overlap 18.7%. Motilal Oswal Liquid Fund charges 0.20% a year and Quant Liquid Fund 0.31%.
Which has given higher returns, Motilal Oswal Liquid Fund or Quant Liquid Fund?
Over 1 year: Motilal Oswal Liquid Fund +6.05%, Quant Liquid Fund +6.03%. Over 3 years: Motilal Oswal Liquid Fund +6.50% a year, Quant Liquid Fund +6.70% a year. Over 5 years: Motilal Oswal Liquid Fund +6.03% a year, Quant Liquid Fund +6.33% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Motilal Oswal Liquid Fund or Quant Liquid Fund?
Motilal Oswal Liquid Fund charges less: 0.20% a year against 0.31%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Motilal Oswal Liquid Fund and Quant Liquid Fund overlap?
18.7%. They hold 4 of the same securities, the largest shared ones being 91 Days Tbill (MD 10/12/2026), Bank of Baroda 2026, Kotak Mahindra Bank Limited 2026. From each fund's latest monthly portfolio.
Which is riskier, Motilal Oswal Liquid Fund or Quant Liquid Fund?
On SEBI's riskometer, Motilal Oswal Liquid Fund is rated Low and Quant Liquid Fund Moderate. Over 3 years, the standard deviation of daily returns was 0.00% and 0.17% a year.
Which is better for SIP, Motilal Oswal Liquid Fund or Quant Liquid Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 02-10-2023 to 30-10-2026 grew to ₹3,70,000 in Motilal Oswal Liquid Fund (XIRR -0.0% a year) and ₹4,08,736 in Quant Liquid Fund (XIRR 6.4% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Motilal Oswal Liquid Fund and Quant Liquid Fund?
Yes. 18.7% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Motilal Oswal Liquid Fund and Quant Liquid Fund?
Motilal Oswal Liquid Fund: Rakesh Shetty. Quant Liquid Fund: Sanjeev Sharma, Haroonvardhan Sirohi.
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.