MonitorDirect · GrowthWatch before adding
WhiteOak Capital Balanced Hybrid Fund
WhiteOak Capital Mutual FundHybrid Schemes - Balanced Hybrid Fund3 years
The Scheme seeks to provide long term capital appreciation and generate income by investing in a balanced portfolio of equity & equity related instruments and debt & money market securities.
- NAV
- 13.595
- 29 Oct 2026
- 1Y
- -0.5%
- Trailing CAGR
- AUM
- ₹293.88 Cr
- 30 Sept 2026
- Volatility
- Low
- 7.7% 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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 56% of rolling 1-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer 360 ONE Balanced Hybrid Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
3.0 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.71% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -8.4%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
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 ≈ 27.9% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
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 8%. 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
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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-0.5%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+10.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.1%
- 3Y+5.7%
- 5Yn/a
- 10Yn/a
- Since inception
- +10.7%
- Calendar-day CAGR
- Excess 1Y
- -0.9%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- +5.7%
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- 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
- -8.4%
- Worst peak-to-trough
- Current
- -3.3%
- Below last peak
- Current spell
- 65 days
- Days below latest peak
- Time below peak
- +80%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 54 recovered episodes
- Longest recovery
- 105 days
- Trough to prior peak
20 Nov 2025 – 6 Jul 2026
Trough 23 Mar 2026 · recovered in 105 days
-8.4%
26 Sept 2024 – 15 May 2025
Trough 28 Feb 2025 · recovered in 76 days
-8.3%
25 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-4.7%
3 Jun 2024 – 10 Jun 2024
Trough 4 Jun 2024 · recovered in 6 days
-3.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
21
Vs category
45
Consistency
56
Risk-adjusted
57
Drawdown
79
Mean
52
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- The fund beat the category median in 56% of rolling 1-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 151 holdings · top 10 are 27.9%.
- Top 5
- 17.3%
- Top 10
- 27.9%
- Largest holding
- 5.2%
- Effective holdings
- 62.6
ICICI Bank Ltd
Financial
5.2%
BAJAJ FINANCE LIMITED 8.06 NCD 15MY29 FVRS1LAC
Financial
3.4%
Others CBLO
Unspecified
3.4%
HDFC Bank Ltd
Financial
2.7%
Net Receivables
Unspecified
2.6%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.