HealthyDirect · GrowthFit for a long SIP
WhiteOak Capital Pharma and Healthcare Fund
WhiteOak Capital Mutual FundEquity Schemes - Sectoral Fund2.7 years
The Scheme seeks to provide long-term capital appreciation by investing predominantly in equity and equity related instruments of Pharma and Healthcare companies.
- NAV
- 17.292
- 29 Oct 2026
- 1Y
- +18.3%
- Trailing CAGR
- AUM
- ₹1,002.75 Cr
- 30 Sept 2026
- Volatility
- Medium
- 14.5% 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 80% of rolling 1-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Fail
2.7 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.07% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -15.4%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
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 ≈ 44.0% 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 15%. 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+18.3%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+21.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+26.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +21.9%
- Calendar-day CAGR
- Excess 1Y
- +20.4%
- 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
- -15.4%
- Worst peak-to-trough
- Current
- -3.8%
- Below last peak
- Current spell
- 36 days
- Days below latest peak
- Time below peak
- +83%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 44 recovered episodes
- Longest recovery
- 136 days
- Trough to prior peak
2 Jan 2025 – 14 Jul 2025
Trough 28 Feb 2025 · recovered in 136 days
-15.4%
23 Sept 2026 – open
Trough 23 Oct 2026 · not recovered
-9.7%
3 Nov 2025 – 27 Apr 2026
Trough 29 Jan 2026 · recovered in 88 days
-9.0%
27 Feb 2024 – 3 May 2024
Trough 13 Mar 2024 · recovered in 51 days
-7.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
63
Vs category
100
Consistency
80
Risk-adjusted
78
Drawdown
62
Mean
77
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 80% of rolling 1-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 66 holdings · top 10 are 44.0%.
- Top 5
- 28.8%
- Top 10
- 44.0%
- Largest holding
- 7.7%
- Effective holdings
- 33.1
Divi's Laboratories Ltd
Healthcare
7.7%
Sun Pharmaceutical Industries Ltd
Healthcare
6.6%
Torrent Pharmaceuticals Ltd
Healthcare
5.8%
Others CBLO
Unspecified
5.1%
Laurus Labs Ltd
Healthcare
3.6%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP Banking & Financial Services Fund
DSP Mutual Fund
- 1Y
- -0.1%
- 3Y
- n/a
- Vol
- 16.8%
- Max DD
- -14.7%
- Sharpe
- 0.47
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Lower trailing returns
DSP Healthcare Fund
DSP Mutual Fund
- 1Y
- +15.4%
- 3Y
- +21.7%
- Vol
- 14.4%
- Max DD
- -21.7%
- Sharpe
- 1.13
- 3Y win
- +60%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
BANDHAN TRANSPORTATION AND LOGISTICS FUND
Bandhan Mutual Fund
- 1Y
- -1.3%
- 3Y
- +17.3%
- Vol
- 14.7%
- Max DD
- -25.0%
- Sharpe
- 0.87
- 3Y win
- +85%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
MahindraManulife Banking & Financial Services Fund
Mahindra Manulife Mutual Fund
- 1Y
- -2.8%
- 3Y
- n/a
- Vol
- 16.7%
- Max DD
- -15.7%
- Sharpe
- -0.16
- 3Y win
- n/a
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns
Nippon India Pharma Fund
Nippon India Mutual Fund
- 1Y
- +8.0%
- 3Y
- +18.4%
- Vol
- 15.5%
- Max DD
- -24.0%
- Sharpe
- 0.75
- 3Y win
- +41%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown