HealthyDirect · GrowthFit for a long SIP
WhiteOak Capital Multi Asset Allocation Fund
WhiteOak Capital Mutual FundHybrid Schemes - Multi Asset Allocation Fund3.4 years
The Scheme seeks to provide long term capital appreciation and generate income by investing in instruments across multiple asset classes viz. Equity, Debt and Gold/silver related instruments.
- NAV
- 16.303
- 29 Oct 2026
- 1Y
- +6.0%
- Trailing CAGR
- AUM
- ₹9,717.16 Cr
- 30 Sept 2026
- Volatility
- Low
- 5.6% 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 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Watch
3.4 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
0.66% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -6.1%. 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
Trupti Agrawal · 1.4 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 ≈ 38.3% 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 6%. 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+6.0%
- 3Y+16.1%
- 5Yn/a
- 10Yn/a
- SI+15.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.2%
- 3Y+12.0%
- 5Yn/a
- 10Yn/a
- Since inception
- +15.1%
- Calendar-day CAGR
- Excess 1Y
- +3.6%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 83
- Vs comparable share classes
- SIP 3Y XIRR
- +12.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +15.7%
- 109 daily-ending windows
- Median rolling 3Y
- +16.8%
- 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
- -6.1%
- Worst peak-to-trough
- Current
- -3.8%
- Below last peak
- Current spell
- 65 days
- Days below latest peak
- Time below peak
- +67%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 6 days
- 95 recovered episodes
- Longest recovery
- 85 days
- Trough to prior peak
2 Mar 2026 – 16 Jun 2026
Trough 23 Mar 2026 · recovered in 85 days
-6.1%
25 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-4.6%
18 Jul 2024 – 23 Aug 2024
Trough 6 Aug 2024 · recovered in 17 days
-2.7%
5 Feb 2025 – 20 Mar 2025
Trough 28 Feb 2025 · recovered in 20 days
-2.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
83
Vs category
72
Consistency
82
Risk-adjusted
100
Drawdown
85
Mean
84
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.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 207 holdings · top 10 are 38.3%.
- Top 5
- 26.5%
- Top 10
- 38.3%
- Largest holding
- 11.3%
- Effective holdings
- 37.6
Others CBLO
Unspecified
11.3%
GOLD MINI (100 GRAMS) COMMODITY JUNE 2020 FUTURE
Unspecified
5.7%
Nexus Select Trust
Industrials
3.4%
Net Receivables
Unspecified
3.4%
ICICI Bank Ltd
Financial
2.7%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP Multi Asset Allocation Fund
DSP Mutual Fund
- 1Y
- +4.2%
- 3Y
- +17.3%
- Vol
- 8.9%
- Max DD
- -9.7%
- Sharpe
- 1.27
- 3Y win
- +100%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Invesco India Multi Asset Allocation Fund
Invesco Mutual Fund
- 1Y
- +5.1%
- 3Y
- n/a
- Vol
- 9.8%
- Max DD
- -11.0%
- Sharpe
- 0.65
- 3Y win
- n/a
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
Mahindra Manulife Multi Asset Allocation Fund
Mahindra Manulife Mutual Fund
- 1Y
- +3.9%
- 3Y
- n/a
- Vol
- 9.0%
- Max DD
- -9.5%
- Sharpe
- 0.81
- 3Y win
- n/a
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
Mirae Asset Multi Asset Allocation Fund
Mirae Asset Mutual Fund
- 1Y
- +4.1%
- 3Y
- n/a
- Vol
- 8.8%
- Max DD
- -9.1%
- Sharpe
- 0.69
- 3Y win
- n/a
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
Shriram Multi Asset Allocation Fund
Shriram Mutual Fund
- 1Y
- -0.1%
- 3Y
- +10.2%
- Vol
- 11.9%
- Max DD
- -15.3%
- Sharpe
- 0.35
- 3Y win
- 0%
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns