Motilal Oswal Liquid Fund vs Quantum Liquid Fund
Direct Plan, Growth option · Data as on 30-10-2026
Motilal Oswal Liquid Fund and Quantum 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 Quantum Liquid Fund (Direct) returned 6.5% a year. Motilal Oswal Liquid Fund charges 0.20% a year and Quantum Liquid Fund 0.15% (Direct plans). Their portfolios overlap 12.3%: 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 Quantum Liquid? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Quantum Liquid returned more over 5 years: 6.1% a year against 6.0%.
- Motilal Oswal Liquid returned more over 3 years: 6.5% a year against 6.5%.
- Quantum Liquid costs less: 0.15% a year against 0.20% (Direct plans).
- Motilal Oswal Liquid swung less over 3 years: a standard deviation of 0.0% a year against 0.1%.
- Motilal Oswal Liquid is the larger fund: ₹1,016 Cr against ₹543 Cr.
- Their portfolios overlap 12.3%: 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 | Quantum Liquid Fund |
|---|---|---|
| Fund house | Motilal Oswal Mutual Fund | Quantum Mutual Fund |
| Category | Liquid | Liquid |
| AUM | ₹1,016 Cr (30-09-2026) | ₹543 Cr (30-09-2026) |
| NAV | ₹15.05 (Direct) | ₹37.99 (Direct) |
| Expense ratio (Direct) | 0.20% | 0.15% |
| Expense ratio (Regular) | 0.41% | 0.26% |
| Riskometer | Low | Low |
| Benchmark | CRISIL Liquid Debt A-I Index | CRISIL Liquid Debt A-I Index |
| Launch date | 20-12-2018 | 07-04-2006 |
| Minimum investment | INF247L01874 | (a) Growth Option - Rs. 5,000/- (b) Monthly IDCW Option - Rs. 10,000/- Daily Reinvestment of Income Distribution Cum Capital Withdrawal (IDCW) Option- Rs. 1,00,000/-. |
| Lock in | None | None |
| Fund managers | Rakesh Shetty | Sneha Pandey, Mayur Chauhan |
| 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. | 0.007% - if redeemed/switched out within 1 Day from the date of allotment, 0.0065% - if redeemed/switched out within 2 Days from the date of allotment, 0.006% - if redeemed/switched out within 3 Days from the date of allotment, 0.0055% - if redeemed/switched out within 4 Days from the date of allotment, 0.005% - if redeemed/switched out within 5 Days from the date of allotment, 0.0045% - if redeemed/switched out within 6 Days from the date of allotment, Nil - if redeemed / switched out after 7 Days from the date of allotment |
Motilal Oswal Liquid vs Quantum 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% | -- |
| Quantum Liquid Fund (Direct) | +0.43% | +1.42% | +2.91% | +5.90% | +6.47% | +6.07% | +5.64% |
| 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 Quantum Liquid: Year-wise Returns
| Year | Motilal OswalMotilal Oswal Liquid | QuantumQuantum Liquid |
|---|---|---|
| 2026to date | +5.02% | +4.90% |
| 2025 | +6.22% | +6.17% |
| 2024 | +7.05% | +7.12% |
| 2023 | +6.70% | +6.87% |
| 2022 | +4.57% | +4.69% |
| 2021 | +3.09% | +3.20% |
Motilal Oswal Liquid vs Quantum 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
Quantum 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% |
| Quantum Liquid | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6.6% | 6.7% | 6.5% | 6.8% |
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 Quantum 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% |
| Quantum LiquidQuantum Liquid Fund (Direct) | ₹5,00,000 | ₹5,71,309 | ₹71,309 | 6.4% |
Motilal Oswal LiquidMotilal Oswal Liquid Fund
Quantum LiquidQuantum 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 Quantum 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) | Quantum Liquid Fund (Direct) |
|---|---|---|
| Return (CAGR) | 0.00% | +5.90% |
| Standard deviation | 0.00% | 0.12% |
| Sharpe ratio | -- | 5.57 |
| Sortino ratio | -17.92 | 13.02 |
| Maximum drawdown | 0.0% | −0.0% (15-10-2026) |
| 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) | Quantum Liquid Fund (Direct) |
|---|---|---|
| Return (CAGR) | 0.00% | +6.47% |
| Standard deviation | 0.00% | 0.09% |
| Sharpe ratio | -- | 4.74 |
| Sortino ratio | -17.95 | 10.61 |
| Maximum drawdown | 0.0% | −0.0% (15-10-2026) |
| 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) | Quantum Liquid Fund (Direct) |
|---|---|---|
| Return (CAGR) | 0.00% | +6.66% |
| Standard deviation | 0.00% | 0.29% |
| Sharpe ratio | -- | 1.31 |
| Sortino ratio | -17.99 | 2.10 |
| Maximum drawdown | 0.0% | −0.6% (27-03-2019) |
| 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
Quantum 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% |
| Quantum Liquid Fund (Direct) | −0.0% | 14-10-2026 | 15-10-2026 | 16-10-2026 | 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
Quantum 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
Quantum Liquid Fund (Direct)
Motilal Oswal Liquid vs Quantum Liquid: Portfolio Overlap
From each fund's latest monthly portfolio: Motilal Oswal Liquid Fund, September 2026; Quantum Liquid Fund, September 2026
Holdings in common
- Overlap
- 12.3%
- Held by both
- 4
- Only in Motilal Oswal Liquid
- 18
- Only in Quantum Liquid
- 15
| Security | % of Motilal Oswal Liquid | % of Quantum Liquid |
|---|---|---|
| 91 Days Tbill (MD 08/10/2026) | 9.83% | 5.52% |
| Export Import Bank of India 2026 | 4.89% | 4.58% |
| 91 Days Tbill (MD 10/12/2026) | 9.74% | 1.82% |
| Corporate Debt Market Development Fund Class A2 | 0.33% | 0.34% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 12.3% means 12.3% 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 |
|---|---|
| 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% |
| National Bank For Agriculture and Rural Development 2026 | 4.89% |
Largest holdings only in Quantum Liquid Fund
| Security | % of fund |
|---|---|
| National Bank For Agri & Rural CP (MD 09/11/2026) | 9.15% |
| 91 Days Tbill (MD 17/12/2026) | 9.11% |
| Punjab National Bank CD (MD 15/12/2026) | 8.19% |
| 7.23% IRFC NCD Sr 171 (MD 15/10/2026) | 7.37% |
| Canara Bank CD (MD 05/10/2026) | 4.60% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Motilal Oswal Liquid | Quantum Liquid |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 97.7% | 90.6% |
| Cash and others | 2.3% | 9.4% |
Motilal Oswal Liquid vs Quantum Liquid: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Motilal Oswal Liquid Fund | Quantum Liquid Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.20% | 0.15% |
| Base expense ratio (Direct) | 0.17% | 0.13% |
| Total expense ratio (Regular) | 0.41% | 0.26% |
| Base expense ratio (Regular) | 0.35% | 0.22% |
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 Quantum Liquid Fund: Frequently Asked Questions
What is the difference between Motilal Oswal Liquid Fund and Quantum Liquid Fund?
Both are Liquid funds, run by Motilal Oswal Mutual Fund and Quantum Mutual Fund. Their portfolios overlap 12.3%. Motilal Oswal Liquid Fund charges 0.20% a year and Quantum Liquid Fund 0.15%.
Which has given higher returns, Motilal Oswal Liquid Fund or Quantum Liquid Fund?
Over 1 year: Motilal Oswal Liquid Fund +6.05%, Quantum Liquid Fund +5.90%. Over 3 years: Motilal Oswal Liquid Fund +6.50% a year, Quantum Liquid Fund +6.47% a year. Over 5 years: Motilal Oswal Liquid Fund +6.03% a year, Quantum Liquid Fund +6.07% 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 Quantum Liquid Fund?
Quantum Liquid Fund charges less: 0.15% a year against 0.20%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Motilal Oswal Liquid Fund and Quantum Liquid Fund overlap?
12.3%. They hold 4 of the same securities, the largest shared ones being 91 Days Tbill (MD 08/10/2026), Export Import Bank of India 2026, 91 Days Tbill (MD 10/12/2026). From each fund's latest monthly portfolio.
Which is riskier, Motilal Oswal Liquid Fund or Quantum Liquid Fund?
On SEBI's riskometer, Motilal Oswal Liquid Fund is rated Low and Quantum Liquid Fund Low. Over 3 years, the standard deviation of daily returns was 0.00% and 0.09% a year.
Which is better for SIP, Motilal Oswal Liquid Fund or Quantum 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 ₹4,07,374 in Quantum Liquid Fund (XIRR 6.2% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Motilal Oswal Liquid Fund and Quantum Liquid Fund?
Yes. 12.3% 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 Quantum Liquid Fund?
Motilal Oswal Liquid Fund: Rakesh Shetty. Quantum Liquid Fund: Sneha Pandey, Mayur Chauhan.
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.