Compare Mutual Funds

Insights from Fund Comparison

• Both HDFC Consumption Fund - Direct (IDCW) and Motilal Oswal Business Cycle Fund - Direct (IDCW) are Sectoral / Thematic, Equity schemes. HDFC Consumption Fund - Direct (IDCW) is 2 yrs 9 m old and manages ₹997.88 Crs, whereas Motilal Oswal Business Cycle Fund - Direct (IDCW) is 1 yrs 8 m old with ₹1,674.23 Crs.
• HDFC Consumption Fund - Direct (IDCW) is older, but Motilal Oswal Business Cycle Fund - Direct (IDCW) is larger — suggesting that while HDFC Consumption Fund - Direct (IDCW) has more experience, Motilal Oswal Business Cycle Fund - Direct (IDCW) may be attracting recent investor interest.
• HDFC Consumption Fund - Direct (IDCW) has its top 3 sectors in FMCG (27.45%), Retail (9.42%), and E-Commerce/App based Aggregator (9.40%), while Motilal Oswal Business Cycle Fund - Direct (IDCW) focuses on Banks (18.15%), IT - Software (14.90%), and Diamond, Gems and Jewellery (8.57%).
• The funds are completely different in sector allocation, which could result in very different performance patterns based on sector trends.
• HDFC Consumption Fund - Direct (IDCW) holds Eternal Limited (9.03%), Hindustan Unilever Ltd. (8.79%), United Spirits Limited (5.73%), Vishal Mega Mart Limited (5.42%), and Bharti Airtel Ltd. (5.33%), whereas Motilal Oswal Business Cycle Fund - Direct (IDCW) holds Kalyan Jewellers India Limited (8.57%), Persistent Systems Limited (8.17%), Shaily Engineering Plastics Limited (7.77%), Eternal Limited (7.36%), and Coforge Limited (6.73%).
• The funds share exposure to Eternal Limited, which makes their performance partly correlated. However, the unique holdings like Hindustan Unilever Ltd. in HDFC Consumption Fund - Direct (IDCW) and Kalyan Jewellers India Limited in Motilal Oswal Business Cycle Fund - Direct (IDCW) can create divergence depending on how these stocks perform.
• In terms of risk profile, HDFC Consumption Fund - Direct (IDCW) has 97.30% equity and 0.00% debt, while Motilal Oswal Business Cycle Fund - Direct (IDCW) has 93.93% equity and 0.00% debt.
• HDFC Consumption Fund - Direct (IDCW) is more aggressive with higher equity allocation, which could lead to higher returns but more volatility.
• HDFC Consumption Fund - Direct (IDCW) outperformed Motilal Oswal Business Cycle Fund - Direct (IDCW) in 1 Year (returns: -4.42% ) but underperformed in 3 Months, 6 Months (returns: -12.70%, -14.66%). This mixed performance indicates strength in certain market cycles while highlighting periods of relative weakness, suggesting selective timing or careful monitoring may be needed.