Nippon India vs Motilal Oswal: Which Mutual Fund House is Better for You?

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Last Updated: 14th October 2025 - 05:40 pm

4 min read

When it comes to mutual fund investments in India, two names often stand out: Nippon India Mutual Fund and Motilal Oswal Mutual Fund. Both are among the most trusted AMCs (Asset Management Companies), catering to investors across different risk profiles and time horizons.

As of June 2025, Nippon India Mutual Fund AUM is ₹6.17 lakh crore, making it one of the largest AMCs in India with a vast investor base. On the other hand, Motilal Oswal Mutual Fund AUM is ₹1.09 lakh crore, showcasing its growing presence and niche focus on equity-oriented strategies.

For investors wondering “Is Nippon India Mutual Fund good?” or “Which Motilal Oswal fund is best for SIP?”, this article provides a detailed AMC vs AMC comparison to help you make an informed decision.

About the AMC

Nippon India Mutual Fund (NIMF) Motilal Oswal Mutual Fund (MO MF)
Nippon India AMC is one of India’s largest fund houses, backed by Nippon Life Insurance (Japan). It offers a wide range of investment schemes across equity, debt, hybrid, and passive funds. It is well-known for popular SIP options like Nippon India Small Cap Fund and Nippon India ELSS Tax Saver. Motilal Oswal AMC is a relatively newer yet highly focused fund house. It specializes in equity funds and ETFs, built on the philosophy of “Buy Right, Sit Tight.” Its funds like Motilal Oswal Nasdaq 100 ETF and Motilal Oswal Flexi Cap Fund are favorites among long-term investors.

Fund Categories Offered

Both AMCs provide multiple options for investors, though their emphasis differs:

  • Equity Funds – Large-cap, Mid-cap, Small-cap, Multi-cap, Flexi-cap.
  • Debt Funds – Liquid, Corporate Bond, Short Duration (Nippon stronger in this segment).
  • Hybrid Funds – Aggressive Hybrid, Balanced Advantage.
  • ELSS (Tax Saving Funds) – Popular among salaried investors.
  • ETFs & Index Funds – Nippon India is a leader in index funds, while Motilal Oswal is famous for thematic and international ETFs.
  • Fund of Funds (FoFs) – Options to invest in global markets.

With just ₹500 per month, investors can Open SIP with Nippon India or start Motilal Oswal SIP online.

Top Funds – Performance Snapshot

Here’s a look at the Top 10 funds of each AMC based on popularity and investor base:

These represent some of the Best Nippon India Mutual Funds 2025 and Best Motilal Oswal Mutual Funds 2025 across different categories.

Use our detailed comparison page to compare mutual funds and discover which options suit your strategy.

Unique Strengths of Each AMC

Nippon India Mutual Fund Strengths

  • Large Distribution Network – Nippon India fund house has a pan-India reach across metro, Tier 2, and Tier 3 cities.
  • Diverse Product Basket – From Nippon India Equity Funds to Nippon India Debt Funds and hybrid products.
  • Trusted SIP Platform – Popular for Nippon India SIP ₹500 per month, making it investor-friendly.
  • Portfolio Management Services – Offers advanced portfolio management for HNIs.
  • Debt Market Leadership – Nippon India AMC is well-regarded for stability in debt and liquid funds.
  • Tax-Saving Edge – Nippon India ELSS is among the Top Nippon India mutual funds for tax saving.

Motilal Oswal Mutual Fund Strengths

  • Equity-Focused Expertise – Strong research-based philosophy of “Buy Right, Sit Tight.”
  • International Exposure – Unique offerings like Motilal Oswal Nasdaq 100 ETF and Motilal Oswal S&P 500 Index Fund.
  • Strong SIP Book – Consistent growth in Motilal Oswal SIP flows through equity funds.
  • Thematic & Index Leadership – Best known for innovative Motilal Oswal Equity Funds and ETFs.
  • ELSS Advantage – Motilal Oswal Long Term Equity Fund is a preferred option for tax-saving investors.
  • Digital-first AMC – Easy to Buy Motilal Oswal Mutual Fund online or Invest in Motilal Oswal through 5paisa.

Who Should Invest?

The choice between Nippon India and Motilal Oswal depends on your investment goals and risk appetite.

Choose Nippon India Mutual Fund if you:

  • Prefer a balanced mix of equity, debt, and hybrid investment schemes.
  • Value the legacy and global trust of the Nippon India AMC.
  • Want a strong debt fund portfolio for conservative goals.
  • Seek Best Nippon India equity mutual funds for long-term along with stability in debt.

Choose Motilal Oswal Mutual Fund if you:

  • Are an equity-focused investor aiming for high-growth opportunities.
  • Want exposure to international markets through Motilal Oswal Equity Funds and ETFs.
  • Look for innovative passive products like Motilal Oswal Nasdaq 100 ETF.
  • Prefer Top Motilal Oswal mutual funds for tax saving via ELSS.

Conclusion

Both Nippon India AMC and Motilal Oswal AMC are strong performers with unique advantages.
Nippon India Mutual Fund is ideal for investors who want diversification, conservative exposure to debt, and stability with a wide range of schemes.

Motilal Oswal Mutual Fund, on the other hand, is best suited for aggressive equity investors seeking domestic and international exposure with long-term growth potential.

Explore our options in mutual fund and find one that aligns with your financial goals.

In the end, the best choice depends on your risk profile, time horizon, and investment goals.
 

Frequently Asked Questions

Which Nippon India fund is best for SIP? 

Which Motilal Oswal fund is best for SIP in 2025? 

Which AMC is better for tax saving? 

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