What are Motilal Oswal Mutual Funds
Mutual funds cater to the investment needs of seasoned investors as well as new investors. Motilal Oswal mutual funds is an asset management company with scheme options for various classes of investors.
Seasoned investors can use Funds of Fund (FoF) for global investment needs. A new investor can use the Equity-linked savings scheme (ELSS) for saving taxes and then can invest in equity or debt as per the financial goals.
The universe of 8000+ mutual fund schemes is available to fulfill life goals like tax savings, building a corpus of wealth for weddings, buying car/ bike, foreign vacation, retiring debt, children’s education, and retirement planning.
Financial goals are fulfilled using different types of mutual funds.
Types of Motilal Oswal Mutual Funds
#1. Equity Motilal Oswal Mutual Funds
Equity and equity-related instruments like preference shares form the underlying assets of Equity mutual funds schemes.
Equity mutual funds are an inflation-beating return giving investment that has the potential to generate long-term wealth.
Equity mutual funds can be used for life goals life creating a multi-crore, multi-purpose corpus, retirement funds, and funds for children’s education and marriage.
The various types of equity mutual fund schemes of Motilal Oswal are as under;
|Motilal Oswal Equity Mutual Fund Type||Inception Date||Investment Objective|
|Motilal Oswal Focused 25 Fund||13.05.2013||The investment objective of the scheme is to achieve long-term capital appreciation by investing in up to 25 companies with long-term sustainable competitive advantage and growth potential.|
|Motilal Oswal Large & Midcap Fund||17.10.2019||The investment objective is to provide medium to long-term capital appreciation by investing primarily in large and midcap stocks.|
|Motilal Oswal Long Term Equity Fund||21.01.2015||The investment objective of the scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity-related instruments.|
|Motilal Oswal Midcap 100 ETF||03.02.2011||The scheme seeks an investment return that corresponds (before fees and expenses) to the performance of the CNX Midcap Index (Underlying Index), subject to tracking error.|
|Motilal Oswal Midcap 30 Fund||24.02.2014||The investment objective of the scheme is to achieve long-term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth.|
|Motilal Oswal Multicap 35 Fund||28.04.2014||The investment objective of the scheme is to achieve long-term capital appreciation by primarily investing in a maximum of 35 equity & equity related instruments across sectors and market-capitalization levels.|
|Motilal Oswal Nifty 500 Fund||06.09.2019||The scheme seeks investment returns that correspond (before fees and expenses) generally to the performance of the Nifty 500 Index (Underlying Index), subject to tracking error.|
|Motilal Oswal Nifty Bank Index Fund||06.09.2019||The scheme seeks investment returns that correspond (before fees and expenses) generally to the performance of the Nifty Bank Index (Underlying Index) subject to tracking error.|
|Motilal Oswal Nifty Midcap 150 Index Fund||06.09.2019||The scheme seeks investment returns that correspond (before fees and expenses) generally to the performance of the Nifty 500 Index (Underlying Index), subject to tracking error.|
|Motilal Oswal Nifty Smallcap 250 Index Fund||06.09.2019||The scheme seeks investment returns that correspond (before fees and expenses) generally to the performance of the Nifty Smallcap 250 Index (Underlying Index) subject to tracking error.|
#2. Debt Motilal Oswal Mutual Funds
Debt mutual funds investment is best for steady growth and stability seeking investors because they prefer capital protection.
Debt mutual funds invest in debt and money market instruments like bonds, debentures, government securities, T-Bills, certificates of deposits, and commercial papers.
The debt mutual funds are better suited for short to medium-term life goals like creating a corpus of emergency funds, funds for the wedding, buying a dream car or retiring debt.
Different types of debt mutual fund schemes of Motilal Oswal are as under;
|Motilal Oswal Debt Mutual Fund Type||Inception Date||Investment Objective|
|Motilal Oswal Liquid Fund||19.12.2018||The investment objective of the scheme is to generate optimal returns with high liquidity to the investors through a portfolio of money market securities.|
|Motilal Oswal Ultra Short Term Fund||06.09.2013||The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities.|
#3. Hybrid Motilal Oswal Mutual Fund
The hybrid mutual fund scheme invests in equity and debt instruments in various proportions depending on the mutual fund scheme.
Hybrid mutual funds are best suited to moderately risk-averse investors. The investors whose primary focus is to preserve a certain part of the capital, but are ready to take some risk to earn an additional return from equity investments.
You can use hybrid mutual funds for life goals like creating a multi-purpose corpus of wealth or exotic foreign vacation.
The various types of hybrid mutual fund schemes of Motilal Oswal are as under;
|Motilal Oswal Hybrid Mutual Fund Type||Inception Date||Investment Objective|
|Motilal Oswal Dynamic Fund||27.09.2016||The investment objective is to generate long-term capital appreciation by investing in equity and equity-related instruments including equity derivatives as well as debt instruments.|
|Motilal Oswal Equity Hybrid Fund||14.09.2018||The investment objective is to generate equity-linked returns by investing in a combined portfolio of equity and equity-related instruments debt money market instruments and units issued by Real Estate Investment Trust (REIT) & Infrastructure Investment Trust (InvIT).|
#4. Motilal Oswal Other Mutual Fund
These types of funds fall under the category of solution-oriented mutual funds. The schemes offer a specific solution like retirement planning and children funds.
|Other Motilal Oswal Mutual Fund Type||Inception Date||Investment Objective|
|Motilal Oswal M50 ETF||28.07.2010||The scheme seeks investment returns that correspond (before fees and expenses) generally to the performance of the CNX Nifty Index (Underlying Index), subject to tracking error.|
|Motilal Oswal Nasdaq 100 ETF||29.03.2011||The scheme seeks investment returns that correspond (before fees and expenses) generally to the performance of the NASDAQ-100 Index, subject to tracking error.|
|Motilal Oswal Nasdaq 100 FOF||29.11.2018||The investment objective of the scheme is to seek returns by investing in units of Motilal Oswal Nasdaq 100 ETF.|
Best Motilal Oswal Mutual Fund
Motilal Oswal Long Term Equity Fund (G)
The investment objective of the Motilal Oswal Long Term Equity Fund is “to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity-related instruments”.
Motilal Oswal Long Term Equity Fund is benchmarked to NIFTY 500 – Total Return Index (TRI). The first minimum investment amount is Rs. 500 or a SIP of Rs. 500.
Salient Features of Motilal Oswal Long Term Equity Fund as on 09 December 2019 are as under;
|Features||Motilal Oswal Long Term Equity Fund (G)|
|Managed by||Motilal Oswal Asset Management Company Limited|
|Asset Class type||Equity|
|Risk Type||Moderately High|
|AUM||Rs. 1,584.31 Crores|
|Asset Allocation||Equity – 96.97%|
Others – 3.03%
How to Invest in Motilal Oswal Mutual Fund
#1. Directly With Motilal Oswal Mutual Fund
Mutual funds investment can be done directly online and offline. You can directly get in touch with Motilal Oswal mutual fund house for investment.
A. For an online investment
You can visit the Motilal Oswal AMC website, the investment process involves;
- Opening a new account
- Provide personal details
- Select the mutual fund scheme
- Provide bank details
- Upload image of the canceled cheque
- Verify KYC through Aadhar and transfer money
B. For offline investment
Mutual fund houses have local offices in various cities across India to help and facilitate mutual fund investment.
For offline investment, visit the local office and submit the investment application form along with the required KYC documents.
#2. Through the Online Investment Platform
An online mutual fund investment platform can be used to invest in Motilal Oswal mutual fund. Online platforms are a quick and hassle-free way of investing in mutual funds.
Scripbox is an online mutual fund investment, tracking, management, and redemption platform.
Your single account with Scripbox can help you invest in different mutual funds without the need to remember different folio numbers and login passwords.
Additionally, the online platform helps you track, manage and redeem your mutual fund investments.
The steps required to invest using an online investment platform are;
- Create an account with the investment platform
- Pick up the scheme or plan
- Choose the payment type (SIP or lump-sum) and the amount
- Fill in the few personal details like PAN and bank details
- Transfer money online to complete the investment
#3. Using Your Demat Account
Existing Demat account can be used for investing and transacting in the mutual fund. Provided your broker provides a mutual fund investment facility. For that, your broker also needs to be a mutual fund distributor.
For investing through Demat account;
- Log-in to your Demat account
- Look for the option to invest in the mutual fund
- Choose the Motilal Oswal mutual fund schemes
- Complete the investment by transferring the amount online.
#4. Through Karvy and CAMS
Mutual fund registrars like Karvy and CAMS can be used for investing in the various mutual funds. Both the registrar’s offer online as well as offline investment options.
For Online Method: You need to visit the respective website, create an account, provide folio number, select the scheme and make payment.
For Offline Method: You can invest by visiting the local office and complete the application form, hand over the canceled cheque and the copy of KYC documents.
#5. Through an Agent
This method is not recommended because it is costly and time-consuming.
The process involves;
- Calling your agent (a mutual fund distributor)
- Hand over the filled-in application form along with a copy of all the KYC documents, and canceled cheque.
How to Invest in Motilal Oswal Mutual Fund Online Through Scripbox
Stepwise process for investing in Motilal Oswal Long Term Equity Fund (G) using Scripbox, is as under;
Step 1 – Visit Scripbox and Get Started
Visit the Scripbox website and click on “Let’s Get Started” for investing in mutual funds.
The next page will take you to various investment options. To invest in Motilal Oswal Long Term Equity Fund (G) through Scripbox, select the option “Save tax” as shown below.
The next page will open into a “Tax Saver Plan”.
Step 2 – Create a Plan
In order to create a plan, provide details of your Annual CTC. The online calculator will automatically calculate the tax amount and the savings on taxes.
The hypothetical example shows an annual CTC of Rs. 10 Lakhs and the tax details. Next, click on the button “Save Tax Now” at the end of the page. Where you get a Scripbox defined Tax Saver plan.
To invest in Motilal Oswal Long Term Equity Fund (G) clock on the “Continue” box as shown above.
Where you will be prompted for creating an account with Scripbox.
Step 3 – Signup to Create an Account
New Scripbox users can “Signup” to create a Scripbox account. Existing users can log in to continue with the investment process.
Scripbox online account can be created by e-mail ID and password. Alternatively, one can signup using the existing Google Account or Facebook Account.
Step 4 – Select the Payment Option and Amount
Here you need to select one of the investment options between “SIP” and “lump-sum”. Lump-sum investment can be done when you have a surplus investment amount.
SIP is a better way of mutual fund investment and is best for the salaried person having a regular income.
Further, you need to provide a monthly SIP amount. In order to save Rs. 1.5 Lakhs on taxes you need to invest ( 1,50,000 / 12) = Rs. 12,500 per month. Thus the example has an SIP amount of Rs. 12,500 above.
Click on “See Recommended Funds” to proceed with the investment.
Step 5 – Investment Fund Allocation
By default, the system allocates the investment amount. However, Scripbox offers you the flexibility to allocate funds.
Click on “I want to change Funds/Amount” to invest in Motilal Oswal Mutual Fund. Select “Motilal Oswal Long Term Equity Fund (G)” and add the investment amount.
You will get the final “Tax Saver” plan details showing investment in Motilal Oswal Long Term Equity Fund (G) and the investment amount.
Click on “Next” to proceed with Bank transfer and investment.
Step 6 – Bank Details and Money Transfer
At the last step, you need to provide information to add a bank account and PAN details.
The account will be used for investment and crediting the redemption amount by the mutual fund houses directly into your specified bank account.
Generally, mutual funds do not invest in artwork, bitcoin, and precious stones. Apart from that mutual funds have the potential to fulfill most of your investment needs. Motilal Oswal has various scheme options for new as well as experienced investors.
Additionally, you have the flexibility of investing small amounts through SIP, a dedicated expert fund manager, low-cost investment, and professional fund management.