HealthyDirect · GrowthFit for a long SIP
WhiteOak Capital Special Opportunities Fund
WhiteOak Capital Mutual FundEquity Schemes - Thematic Fund2.4 years
- NAV
- 14.567
- 29 Oct 2026
- 1Y
- +7.2%
- Trailing CAGR
- AUM
- ₹2,141.61 Cr
- 30 Sept 2026
- Volatility
- Medium
- 14.7% 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
2.4 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.29% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -17.0%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
n/a
Manager not listed.
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 ≈ 29.0% 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 17%. 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+7.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+15.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+11.7%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +15.5%
- Calendar-day CAGR
- Excess 1Y
- +11.8%
- 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
- -17.0%
- Worst peak-to-trough
- Current
- -5.6%
- Below last peak
- Current spell
- 62 days
- Days below latest peak
- Time below peak
- +84%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 37 recovered episodes
- Longest recovery
- 99 days
- Trough to prior peak
16 Dec 2024 – 10 Jun 2025
Trough 3 Mar 2025 · recovered in 99 days
-17.0%
17 Nov 2025 – 7 May 2026
Trough 30 Mar 2026 · recovered in 38 days
-14.1%
27 Sept 2024 – 6 Dec 2024
Trough 13 Nov 2024 · recovered in 23 days
-8.8%
28 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-8.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
38
Vs category
100
Consistency
100
Risk-adjusted
58
Drawdown
58
Mean
71
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.
Portfolio
30 Sept 2026 · 102 holdings · top 10 are 29.0%.
- Top 5
- 18.8%
- Top 10
- 29.0%
- Largest holding
- 6.9%
- Effective holdings
- 57.1
Others CBLO
Unspecified
6.9%
ICICI Bank Ltd
Financial
3.8%
Bharti Airtel Ltd
Technology
3.0%
National Stock Exchange Of India Ltd Index ID
Financial
2.6%
Redington Ltd
Technology
2.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP Business Cycle Fund
DSP Mutual Fund
- 1Y
- -4.0%
- 3Y
- n/a
- Vol
- 13.7%
- Max DD
- -14.8%
- Sharpe
- -0.35
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Invesco India Business Cycle Fund
Invesco Mutual Fund
- 1Y
- +7.6%
- 3Y
- n/a
- Vol
- 17.5%
- Max DD
- -16.0%
- Sharpe
- 1.08
- 3Y win
- n/a
- Shallower drawdown
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Mirae Asset Great Consumer Fund
Mirae Asset Mutual Fund
- 1Y
- -8.6%
- 3Y
- +10.1%
- Vol
- 14.5%
- Max DD
- -35.5%
- Sharpe
- 0.72
- 3Y win
- +71%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
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
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
WhiteOak Capital Quality Equity Fund
WhiteOak Capital Mutual Fund
- 1Y
- -8.2%
- 3Y
- n/a
- Vol
- 12.1%
- Max DD
- -16.4%
- Sharpe
- -0.47
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns