MonitorDirect · GrowthWatch before adding
WhiteOak Capital Quality Equity Fund
WhiteOak Capital Mutual FundEquity Schemes - Thematic Fund1.8 years
The scheme seeks to provide long term capital appreciation by constructing a diversified investment portfolio based on the quality factor theme to provide investors with exposure to companies having strong fundamentals and sustainable competitive advantages, i.e., companies which exhibit long term stability as they may lead to more predictable returns, less volatility, strong management and sustainable growth. There is no assurance that the investment objective of the Scheme will be achieved.
- NAV
- 9.955
- 29 Oct 2026
- 1Y
- -8.2%
- Trailing CAGR
- AUM
- ₹620.89 Cr
- 31 Aug 2026
- Volatility
- Medium
- 12.1% 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 · Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
Fits if · Risk-adjusted return (Sharpe) is negative over the available daily history.
Prefer peers if · Prefer HSBC Financial Services fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
1.8 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.05% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -16.4%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Ashish Agrawal · 1.7 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
Pass
Top 10 holdings ≈ 47.6% 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 16%. 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-8.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI-0.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-5.8%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- -0.4%
- Calendar-day CAGR
- Excess 1Y
- -4.5%
- 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
- -16.4%
- Worst peak-to-trough
- Current
- -9.3%
- Below last peak
- Current spell
- 87 days
- Days below latest peak
- Time below peak
- +94%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 20 days
- 12 recovered episodes
- Longest recovery
- 125 days
- Trough to prior peak
26 Nov 2025 – 3 Aug 2026
Trough 31 Mar 2026 · recovered in 125 days
-16.4%
3 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-10.9%
5 Feb 2025 – 23 Apr 2025
Trough 7 Apr 2025 · recovered in 16 days
-8.5%
30 Jun 2025 – 18 Sept 2025
Trough 8 Aug 2025 · recovered in 41 days
-4.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
4
Vs category
22
Consistency
0
Risk-adjusted
2
Drawdown
59
Mean
17
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
- Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
31 Aug 2026 · 70 holdings · top 10 are 47.6%.
- Top 5
- 31.3%
- Top 10
- 47.6%
- Largest holding
- 9.9%
- Effective holdings
- 28.2
ICICI Bank Ltd
Financial
9.9%
Nestle India Ltd
Consumer Staples
6.9%
Bharti Airtel Ltd
Technology
6.0%
Torrent Pharmaceuticals Ltd
Healthcare
4.4%
Mahindra & Mahindra Ltd
Consumer Discretionary
4.1%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HSBC Financial Services fund
HSBC Mutual Fund
- 1Y
- -0.9%
- 3Y
- n/a
- Vol
- 17.0%
- Max DD
- -14.8%
- Sharpe
- 0.36
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
UTI Quant Fund
UTI Mutual Fund
- 1Y
- -6.3%
- 3Y
- n/a
- Vol
- 13.8%
- Max DD
- -14.5%
- Sharpe
- -0.29
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
BANDHAN INNOVATION FUND
Bandhan Mutual Fund
- 1Y
- +10.7%
- 3Y
- n/a
- Vol
- 17.0%
- Max DD
- -19.7%
- Sharpe
- 0.76
- 3Y win
- n/a
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Canara Robeco Manufacturing Fund
Canara Robeco Mutual Fund
- 1Y
- +2.4%
- 3Y
- n/a
- Vol
- 17.3%
- Max DD
- -24.2%
- Sharpe
- 0.46
- 3Y win
- n/a
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
DSP Natural Resources And New Energy Fund
DSP Mutual Fund
- 1Y
- +6.0%
- 3Y
- +19.0%
- Vol
- 19.7%
- Max DD
- -48.0%
- Sharpe
- 0.63
- 3Y win
- +74%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown