MonitorDirect · GrowthWatch before adding
WhiteOak Capital Ultra Short Term Fund
WhiteOak Capital Mutual FundIncome/Debt Oriented Schemes - Ultra Short Term Fund7.4 years
- NAV
- 1,527.3905
- 29 Oct 2026
- 1Y
- +6.2%
- Trailing CAGR
- AUM
- ₹549.2 Cr
- 30 Sept 2026
- Volatility
- Low
- 0.5% 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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Mirae Asset Ultra Short-Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
7.4 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.28% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
14% of rolling 3Y windows beat the category median, same plan and option.
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 ≈ 54.3% 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.
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+6.2%
- 3Y+6.9%
- 5Y+6.4%
- 10Yn/a
- SI+5.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.3%
- 3Y+6.7%
- 5Y+6.7%
- 10Yn/a
- Since inception
- +5.9%
- Calendar-day CAGR
- Excess 1Y
- -0.2%
- Category median, same plan and option
- 3Y win rate
- +14%
- Windows beating the median
- 3Y percentile
- 6
- Vs comparable share classes
- SIP 3Y XIRR
- +6.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.3%
- 1064 daily-ending windows
- Median rolling 3Y
- +6.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 582 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -0.2%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +6%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 3 days
- 53 recovered episodes
- Longest recovery
- 13 days
- Trough to prior peak
2 May 2022 – 24 May 2022
Trough 11 May 2022 · recovered in 13 days
-0.2%
13 Oct 2026 – 27 Oct 2026
Trough 22 Oct 2026 · recovered in 5 days
-0.1%
13 May 2026 – 27 May 2026
Trough 21 May 2026 · recovered in 6 days
-0.1%
6 Jul 2026 – 10 Jul 2026
Trough 8 Jul 2026 · recovered in 2 days
-0.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
6
Vs category
49
Consistency
16
Risk-adjusted
26
Drawdown
100
Mean
39
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
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 23 holdings · top 10 are 54.3%.
- Top 5
- 32.0%
- Top 10
- 54.3%
- Largest holding
- 8.9%
- Effective holdings
- 19.9
National Bank For Agriculture and Rural Development (17/02/2027) **
Financial
8.9%
BANK OF BARODA CD 08MAR27
Financial
8.5%
Others CBLO
Unspecified
5.5%
MUTHOOT FINANCE LIMITED 8.90 NCD 17JU27 FVRS1LAC
Financial
4.6%
7.90% LIC Housing Finance Ltd NCD 23-06-2027
Financial
4.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Mirae Asset Ultra Short-Term Fund
Mirae Asset Mutual Fund
- 1Y
- +6.5%
- 3Y
- +7.3%
- Vol
- 0.4%
- Max DD
- -0.2%
- Sharpe
- 0.91
- 3Y win
- +95%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Sundaram Ultra Short Term Fund (Formerly Known as Sundaram Ultra Short Duration Fund)
Sundaram Mutual Fund
- 1Y
- +6.4%
- 3Y
- +7.2%
- Vol
- 0.4%
- Max DD
- -0.2%
- Sharpe
- 2.51
- 3Y win
- +100%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Axis Ultra Short Term Fund
Axis Mutual Fund
- 1Y
- +6.6%
- 3Y
- +7.4%
- Vol
- 0.5%
- Max DD
- -0.8%
- Sharpe
- 1.63
- 3Y win
- +100%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown · Higher TER
Baroda BNP Paribas Ultra Short Term Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- +6.4%
- 3Y
- +7.1%
- Vol
- 0.5%
- Max DD
- -1.0%
- Sharpe
- 1.16
- 3Y win
- +53%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown · Higher TER
Franklin India Ultra Short Term Fund
Franklin Templeton Mutual Fund
- 1Y
- +6.3%
- 3Y
- n/a
- Vol
- 0.4%
- Max DD
- -0.1%
- Sharpe
- 2.78
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns