Quick note (important): Mutual fund schemes, options (Growth/IDCW), and plan variants (Direct/Regular) change over time. The scheme list below is compiled from Motilal Oswal Mutual Fund’s published scheme/ISIN list (covers schemes and their plan variants) and the AMC’s factsheets/performance pages. :contentReference[oaicite:0]{index=0}

A quick performance snapshot (illustrative, not a promise)

Example from the AMC factsheet: Motilal Oswal Large Cap Fund (Regular Plan) showed point-to-point returns for “Last 1 Year” and “Since Inception” as of late November 2025. :contentReference[oaicite:34]{index=34}

• Last 1 Year return (Regular plan, as on 28-Nov-2025): ~11.68% (benchmark shown alongside in factsheet) :contentReference[oaicite:35]{index=35}
• Since inception return (Regular plan, inception Feb 2024): ~22.29% annualized (as per factsheet table) :contentReference[oaicite:36]{index=36}

Reminder: Past performance may or may not be sustained. In finance content (YMYL), it’s safer and more honest to treat returns as history, not destiny. :contentReference[oaicite:37]{index=37}

Practical rule: Build a “core” first (index or diversified active), then add satellites (mid/small/thematic) only if you can hold through deep corrections. That’s the easiest way to avoid the classic retail mistake: buying high, selling low.

Q1) Which is the best “motilal oswal mutal fund” to invest in?
There is no single best fund for everyone. For many investors, a low-cost index fund (like Nifty 50) works well as a core, and then you add a diversified active fund (Flexi Cap/Large & Midcap) based on preference. The “best” fund is the one you can hold through bad markets. :contentReference[oaicite:49]{index=49}

Q2) Are Motilal Oswal Midcap/Smallcap funds good?
Mid/small caps can be excellent long-term wealth builders, but the volatility can be severe. If you may need the money within 3–5 years, avoid heavy mid/small allocations. If your horizon is 7–10+ years and you can stay disciplined, they can be considered as satellites. :contentReference[oaicite:50]{index=50}

Q3) What’s better: Index fund or active fund?
Index funds offer market returns at low cost with no fund-manager style risk. Active funds try to beat the benchmark—sometimes they do, sometimes they don’t. A common approach is “core passive + satellite active.” :contentReference[oaicite:51]{index=51}

Q4) Which Motilal Oswal fund is best for tax saving?
ELSS (Equity Linked Savings Scheme) is the usual route under Section 80C. Motilal Oswal ELSS Tax Saver Fund is the tax-saving scheme in the AMC’s lineup. :contentReference[oaicite:52]{index=52}

Q5) For emergency funds, should I use a liquid fund?
Liquid funds/ultra-short funds are designed for short-term parking, but they are not the same as a savings account. Use them only if you understand the product and have aligned expectations. Many investors keep a portion in bank savings and a portion in liquid funds. :contentReference[oaicite:53]{index=53}

Q6) What is Balanced Advantage Fund and who should use it?
Balanced Advantage Funds (dynamic asset allocation) can change equity/debt exposure based on strategy. They can suit investors who want equity participation but prefer a less bumpy ride than pure equity. Still, they can fall in market crashes—just usually less than aggressive equity funds. :contentReference[oaicite:54]{index=54}

Q7) Are ETFs from Motilal Oswal good?
ETFs can be efficient, especially for broad indices and international exposure. But ETF investing depends on liquidity, bid-ask spread, and tracking error. If you want simpler execution, the equivalent index fund can be easier for beginners. :contentReference[oaicite:55]{index=55}

Q8) SIP or lump sum—what should I choose?
SIP reduces timing risk and builds discipline, which helps most investors. Lump sum can work if you have a long horizon and can tolerate short-term drawdowns. Many people combine both: invest a lump sum into safer buckets (liquid/arbitrage) and do STP into equity. :contentReference[oaicite:56]{index=56}

Q9) Direct plan or Regular plan?
Direct plans usually have lower expenses; Regular plans include distributor/advisory support. If you’re confident DIY, Direct is often preferred. If you need guidance and ongoing service, Regular can be justified. (Choose based on value, not just cost.)

Q10) Where can I verify the latest list of schemes and returns?
Use the official Motilal Oswal Mutual Fund factsheets and scheme pages. The AMC publishes monthly factsheets for active and passive products and provides scheme details on its mutual fund listing/performance pages. :contentReference[oaicite:57]{index=57}

Disclaimer: This article is for educational purposes only and does not constitute financial advice or a recommendation to buy/sell any mutual fund. Mutual fund investments are subject to market risks. Past performance may or may not be sustained in the future. Please read scheme-related documents carefully and consult a SEBI-registered investment adviser if needed. :contentReference[oaicite:58]{index=58}