A differential on chip oscillator (OCO) is proposed in this paper for low supply voltage, high frequency accuracy and fast startup. The differential architecture helps the OCO achieve a good power supply rejection ratio (PSRR) without using a regulator so as to make the OCO suitable for a low power supply voltage of 1.38V. A reference voltage generator is also developed to generate two output voltages lower than Vbe for low supply voltage operation. The output frequency is locked to 48MHz by a frequency-locked loop (FLL) and a 3.3-ppm/°C temperature coefficient of frequency is realized by the differential voltage ratio adjusting (differential VRA) technique. The startup time is only 1.47μs because the differential OCO is not necessary to charge a big capacitor for ripple reduction.