HealthyDirect · GrowthFit for a long SIP
WhiteOak Capital Equity Savings Fund
WhiteOak Capital Mutual FundHybrid Schemes - Equity Savings Fund1.6 years
The scheme seeks to provide capital appreciation by investing in Equity & equity related instruments, Arbitrage opportunities, and Debt & money market instruments.
- NAV
- 11.677
- 29 Oct 2026
- 1Y
- +3.9%
- Trailing CAGR
- AUM
- ₹273.07 Cr
- 31 Aug 2026
- Volatility
- Low
- 3.8% 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 100% of rolling 1-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Fail
1.6 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Watch
1.53% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.8%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Ashish Agrawal · 1.7 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
Watch
Top 10 holdings ≈ 87.6% 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 4%. 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+3.9%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+10.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.7%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +10.0%
- Calendar-day CAGR
- Excess 1Y
- +1.5%
- 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
- n/a
- 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
- -3.8%
- Worst peak-to-trough
- Current
- -1.5%
- Below last peak
- Current spell
- 58 days
- Days below latest peak
- Time below peak
- +70%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 6 days
- 38 recovered episodes
- Longest recovery
- 86 days
- Trough to prior peak
11 Feb 2026 – 17 Jun 2026
Trough 23 Mar 2026 · recovered in 86 days
-3.8%
1 Sept 2026 – open
Trough 23 Oct 2026 · not recovered
-1.8%
31 Mar 2025 – 15 Apr 2025
Trough 7 Apr 2025 · recovered in 8 days
-1.4%
7 Jan 2026 – 9 Feb 2026
Trough 27 Jan 2026 · recovered in 13 days
-1.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
31
Vs category
60
Consistency
100
Risk-adjusted
77
Drawdown
91
Mean
72
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 100% 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
31 Aug 2026 · 137 holdings · top 10 are 87.6%.
- Top 5
- 71.9%
- Top 10
- 87.6%
- Largest holding
- 48.9%
- Effective holdings
- 3.8
Net Receivables
Unspecified
48.9%
ICICI Bank Ltd
Financial
8.0%
GOVERNMENT OF INDIA 36204 GOI 14JL32 6.28 FV RS 100
Entities
5.2%
HDFC Bank Ltd
Financial
4.9%
Vodafone Idea Ltd
Technology
4.9%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HSBC Equity Savings Fund
HSBC Mutual Fund
- 1Y
- +6.0%
- 3Y
- +12.8%
- Vol
- 6.6%
- Max DD
- -11.5%
- Sharpe
- 0.99
- 3Y win
- +100%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Invesco India Equity Savings Fund
Invesco Mutual Fund
- 1Y
- -1.9%
- 3Y
- +8.5%
- Vol
- 6.1%
- Max DD
- -13.6%
- Sharpe
- 0.44
- 3Y win
- +33%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Mahindra Manulife Equity Savings Fund
Mahindra Manulife Mutual Fund
- 1Y
- +2.3%
- 3Y
- +9.2%
- Vol
- 7.7%
- Max DD
- -20.5%
- Sharpe
- 0.53
- 3Y win
- +61%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Mirae Asset Equity Savings Fund
Mirae Asset Mutual Fund
- 1Y
- +2.5%
- 3Y
- +10.0%
- Vol
- 7.3%
- Max DD
- -18.2%
- Sharpe
- 0.69
- 3Y win
- +98%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
UTI - Equity Savings Fund
UTI Mutual Fund
- 1Y
- +0.1%
- 3Y
- +8.1%
- Vol
- 5.8%
- Max DD
- -13.8%
- Sharpe
- 0.51
- 3Y win
- +64%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown