HealthyDirect · GrowthFit for a long SIP
WhiteOak Capital Balanced Advantage Fund
WhiteOak Capital Mutual FundHybrid Schemes - Balanced Advantage Fund/ Dynamic Asset Allocation3.7 years
The scheme seeks to provide long term capital appreciation and generate income from a dynamically managed portfolio of equity & equity related instruments and debt & money market securities.
- NAV
- 15.201
- 29 Oct 2026
- 1Y
- -0.9%
- Trailing CAGR
- AUM
- ₹2,221.2 Cr
- 30 Sept 2026
- Volatility
- Low
- 7.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 99% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Watch
3.7 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.84% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -9.6%. Ask whether you can hold through a similar fall.
Vs category
Pass
99% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Ashish Agrawal · 1.8 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 36.7% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 10%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-0.9%
- 3Y+11.4%
- 5Yn/a
- 10Yn/a
- SI+12.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.9%
- 3Y+5.9%
- 5Yn/a
- 10Yn/a
- Since inception
- +12.1%
- Calendar-day CAGR
- Excess 1Y
- +1.5%
- Category median, same plan and option
- 3Y win rate
- +99%
- Windows beating the median
- 3Y percentile
- 82
- Vs comparable share classes
- SIP 3Y XIRR
- +5.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +10.7%
- 175 daily-ending windows
- Median rolling 3Y
- +12.7%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -9.6%
- Worst peak-to-trough
- Current
- -4.2%
- Below last peak
- Current spell
- 65 days
- Days below latest peak
- Time below peak
- +77%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 79 recovered episodes
- Longest recovery
- 98 days
- Trough to prior peak
20 Nov 2025 – 6 Jul 2026
Trough 30 Mar 2026 · recovered in 98 days
-9.6%
16 Dec 2024 – 23 Apr 2025
Trough 28 Feb 2025 · recovered in 54 days
-7.8%
25 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-5.7%
26 Sept 2024 – 5 Dec 2024
Trough 13 Nov 2024 · recovered in 22 days
-4.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
82
Vs category
59
Consistency
87
Risk-adjusted
64
Drawdown
76
Mean
74
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 99% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 144 holdings · top 10 are 36.7%.
- Top 5
- 24.6%
- Top 10
- 36.7%
- Largest holding
- 7.7%
- Effective holdings
- 43.2
Others CBLO
Unspecified
7.7%
ICICI Bank Ltd
Financial
7.1%
HDFC Bank Ltd
Financial
4.0%
Bharti Airtel Ltd
Technology
2.9%
Embassy Office Parks REIT
Real Estate
2.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HSBC Balanced Advantage Fund
HSBC Mutual Fund
- 1Y
- -1.6%
- 3Y
- +9.2%
- Vol
- 6.6%
- Max DD
- -8.7%
- Sharpe
- 0.54
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Mirae Asset Balanced Advantage Fund
Mirae Asset Mutual Fund
- 1Y
- +0.6%
- 3Y
- +10.2%
- Vol
- 7.1%
- Max DD
- -7.5%
- Sharpe
- 0.63
- 3Y win
- +72%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Axis Balanced Advantage Fund
Axis Mutual Fund
- 1Y
- -1.9%
- 3Y
- +11.5%
- Vol
- 8.2%
- Max DD
- -17.2%
- Sharpe
- 0.47
- 3Y win
- +47%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Baroda BNP Paribas Balanced Advantage Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -0.5%
- 3Y
- +11.6%
- Vol
- 10.9%
- Max DD
- -20.7%
- Sharpe
- 0.70
- 3Y win
- +99%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
UTI Balanced Advantage Fund
UTI Mutual Fund
- 1Y
- -4.8%
- 3Y
- +8.5%
- Vol
- 7.7%
- Max DD
- -10.5%
- Sharpe
- 0.31
- 3Y win
- 0%
- Lower volatility
Caveat: Deeper drawdown · Higher TER · Lower trailing returns