Motilal Oswal Consumption Fund
Direct · GrowthAI Summary
Motilal Oswal Consumption Fund has outperformed the NIFTY 50 across all measured periods, with a 1Y CAGR of 13.6% versus -6.66% for the benchmark and a 1Y alpha of 20.63%. However, its absolute returns are modest over longer horizons, with a 5Y CAGR of just 2.58% and a 10Y CAGR of 1.28%. SIP XIRR data is not available for the fund, limiting like-for-like comparison with the category averages of 14.1% (1Y) and 16.95% (5Y).
The fund shows a beta of 1.03, indicating market-like volatility, but a favorable capture profile with 105.34% upside capture and only 75.14% downside capture versus the NIFTY 50. It recorded only one drawdown event greater than 10%, with a maximum drawdown of just -0.20% that took 139 days to recover fully. This suggests strong downside resilience relative to the broader market, though the very low drawdown figure may reflect a limited observation window.
The portfolio holds 26 stocks, with the top 10 accounting for roughly 54.5% of NAV, led by Bharti Airtel at 8.88%, Sky Gold and Diamonds at 5.88%, and Mahindra & Mahindra at 5.84%. Sector allocation is reasonably spread across consumer-facing themes, with Consumer Durables (16.1%), Automobiles (11.8%), and Beverages (10.3%) as the largest exposures. Notably, the portfolio includes meaningful healthcare services exposure (9.3%) and telecom, which broadens it beyond a pure consumption basket.
Direct XIRR comparisons with the sectoral/thematic category are not possible since the fund's own XIRR is unavailable, though its lump-sum CAGRs trail the category's strong SIP XIRR averages of around 16-17% over 3-10 year periods. The fund's consistent alpha over the NIFTY 50 across 1Y to 15Y windows demonstrates persistent benchmark outperformance. Calendar year returns were mixed, with 15.7% in 2026 following a -2.54% decline in 2025.
As a sectoral/thematic fund, this offering is best suited for investors who already hold a diversified core portfolio and want a tactical, high-conviction bet on India's consumption theme. A horizon of at least 5-7 years is advisable given the modest long-term lump-sum returns and thematic concentration risk. Investors should have a moderate-to-high risk tolerance, as thematic funds can underperform the broader market for extended stretches.
- Strong and consistent alpha versus the NIFTY 50 across all time windows, including 20.63% alpha over 1 year
- Favorable asymmetry with 105.34% upside capture against only 75.14% downside capture
- Low expense ratio of 0.56% for a thematic fund in the Direct option
- Very weak long-term absolute returns, with a 10Y CAGR of only 1.28% and a 5Y CAGR of 2.58%
- Concentrated portfolio of 26 stocks with the top 10 holding roughly 54.5% of NAV, amplifying single-stock risk
Generated on 05-09-2026, 3:02 AM. Verify before investing.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
Not enough data to compute SIP returns.
Not enough data to compute rolling returns.
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +20.63 | 1.03 | 105.3% | 75.1% | 13.6% | -6.7% |
| 3 Years | +6.86 | 1.03 | 105.3% | 75.1% | 4.3% | -2.3% |
| 5 Years | +4.17 | 1.03 | 105.3% | 75.1% | 2.6% | -1.4% |
| 7 Years | +3.03 | 1.03 | 105.3% | 75.1% | 1.8% | -1.0% |
| 10 Years | +2.17 | 1.03 | 105.3% | 75.1% | 1.3% | -0.7% |
| 12 Years | +1.84 | 1.03 | 105.3% | 75.1% | 1.1% | -0.6% |
| 15 Years | +1.51 | 1.03 | 105.3% | 75.1% | 0.8% | -0.5% |
| # | Stock | % of NAV |
|---|---|---|
| 1 | Bharti Airtel Ltd | 8.88% |
| 2 | Sky Gold And Diamonds Limited | 5.88% |
| 3 | Mahindra & Mahindra Ltd | 5.84% |
| 4 | Kalyan Jewellers India Limited | 5.57% |
| 5 | HealthCare Global Enterprises Ltd. | 5.51% |
| 6 | One 97 Communications Limited | 5.45% |
| 7 | V2 Retail Ltd | 4.53% |
| 8 | Eternal Limited | 4.04% |
| 9 | Radico Khaitan Ltd | 4.04% |
| 10 | Aster DM Healthcare Limited | 3.75% |