HealthyDirect · GrowthFit for a long SIP
WhiteOak Capital Mid Cap Fund
WhiteOak Capital Mutual FundEquity Schemes - Mid Cap Fund4.1 years
The Scheme is to seek to generate capital appreciation by actively investing in and managing a diversified portfolio primarily composed of mid-cap stocks.
- NAV
- 21.982
- 30 Oct 2026
- 1Y
- +3.6%
- Trailing CAGR
- AUM
- ₹8,399.71 Cr
- 30 Sept 2026
- Volatility
- Medium
- 14.8% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 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 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Watch
4.1 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
0.93% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -19.3%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% 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 ≈ 25.2% 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 19%. 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+3.6%
- 3Y+20.4%
- 5Yn/a
- 10Yn/a
- SI+20.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.5%
- 3Y+11.6%
- 5Yn/a
- 10Yn/a
- Since inception
- +20.7%
- Calendar-day CAGR
- Excess 1Y
- +3.8%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 78
- Vs comparable share classes
- SIP 3Y XIRR
- +11.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +19.0%
- 283 daily-ending windows
- Median rolling 3Y
- +26.4%
- 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
- -19.3%
- Worst peak-to-trough
- Current
- -8.2%
- Below last peak
- Current spell
- 60 days
- Days below latest peak
- Time below peak
- +80%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 78 recovered episodes
- Longest recovery
- 84 days
- Trough to prior peak
16 Dec 2024 – 30 Jun 2025
Trough 7 Apr 2025 · recovered in 84 days
-19.3%
20 Nov 2025 – 6 May 2026
Trough 23 Mar 2026 · recovered in 44 days
-14.0%
31 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-10.9%
5 Dec 2022 – 22 May 2023
Trough 28 Mar 2023 · recovered in 55 days
-10.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
78
Vs category
74
Consistency
91
Risk-adjusted
74
Drawdown
52
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 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 165 holdings · top 10 are 25.2%.
- Top 5
- 16.2%
- Top 10
- 25.2%
- Largest holding
- 6.8%
- Effective holdings
- 70.4
Others CBLO
Unspecified
6.8%
Bharti Hexacom Ltd.
Technology
2.5%
Coforge Ltd
Technology
2.5%
The Federal Bank Ltd
Financial
2.2%
Max Financial Services Ltd
Financial
2.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BANK OF INDIA MID CAP FUND
Bank of India Mutual Fund
- 1Y
- -2.0%
- 3Y
- n/a
- Vol
- 14.8%
- Max DD
- -12.5%
- Sharpe
- -0.35
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Invesco India Mid Cap Fund
Invesco Mutual Fund
- 1Y
- -0.5%
- 3Y
- +21.8%
- Vol
- 16.2%
- Max DD
- -34.1%
- Sharpe
- 0.88
- 3Y win
- +52%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Helios Mid Cap Fund
Helios Mutual Fund
- 1Y
- +0.9%
- 3Y
- n/a
- Vol
- 16.5%
- Max DD
- -16.7%
- Sharpe
- 0.76
- 3Y win
- n/a
- Shallower drawdown
Caveat: Higher volatility · Lower trailing returns
HSBC Midcap Fund
HSBC Mutual Fund
- 1Y
- +9.6%
- 3Y
- +21.6%
- Vol
- 17.2%
- Max DD
- -26.0%
- Sharpe
- 0.91
- 3Y win
- +100%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
BANDHAN MID CAP FUND
Bandhan Mutual Fund
- 1Y
- +3.3%
- 3Y
- +17.3%
- Vol
- 15.0%
- Max DD
- -22.7%
- Sharpe
- 0.74
- 3Y win
- +6%
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns