Aditya Birla Sun Life Digital India Fund vs WhiteOak Capital Digital Bharat Fund
Direct Plan, Growth option · Data as on 29-10-2026
Aditya Birla Sun Life Digital India Fund is a Thematic fund and WhiteOak Capital Digital Bharat Fund is a Sectoral fund. In the year to 30-10-2026, Aditya Birla Sun Life Digital India Fund (Direct) returned −7.7% and WhiteOak Capital Digital Bharat Fund (Direct) returned −3.8%. Aditya Birla Sun Life Digital India Fund charges 1.06% a year and WhiteOak Capital Digital Bharat Fund 1.37% (Direct plans). Their portfolios overlap 45.2%: they hold 16 of the same securities.
Aditya Birla Sun Life Digital India Fund
Thematic
- 1 year return
- −7.7%
- Expense ratio
- 1.06%
- NAV
- ₹180.64
WhiteOak Capital Digital Bharat Fund
Sectoral
- 1 year return
- −3.8%
- Expense ratio
- 1.37%
- NAV
- ₹10.54
Which is better, Aditya Birla Sun Life Digital India or WhiteOak Capital Digital Bharat? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- WhiteOak Capital Digital Bharat returned more over 1 year: −3.8% against −7.7%.
- Aditya Birla Sun Life Digital India costs less: 1.06% a year against 1.37% (Direct plans).
- WhiteOak Capital Digital Bharat fell less in its worst fall since 14-10-2024: −25.5% against −30.6%.
- Aditya Birla Sun Life Digital India holds 3.5% of the fund in foreign stocks; WhiteOak Capital Digital Bharat 0.0%.
- Aditya Birla Sun Life Digital India is the larger fund: ₹3,617 Cr against ₹474 Cr.
- Their portfolios overlap 45.2%: 16 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Digital India Fund | WhiteOak Capital Digital Bharat Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Thematic | Sectoral |
| AUM | ₹3,617 Cr (30-09-2026) | ₹474 Cr (30-09-2026) |
| NAV | ₹180.64 (Direct) | ₹10.54 (Direct) |
| Expense ratio (Direct) | 1.06% | 1.37% |
| Expense ratio (Regular) | 2.04% | 3.13% |
| Riskometer | Very High | Very High |
| Benchmark | BSE Teck TRI | BSE Teck TRI |
| Launch date | 15-01-2000 | 11-10-2024 |
| Minimum investment | ₹1,000 | ₹500 |
| Lock in | None | None |
| Fund managers | Kunal Sangoi | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | Exit load of 1% if redeemed within 30 days. | Nil |
Aditya Birla Sun Life Digital India vs WhiteOak Capital Digital Bharat: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Digital India Fund (Direct) | +6.72% | +0.09% | +10.86% | −7.71% | +6.14% | +4.65% | +17.84% |
| WhiteOak Capital Digital Bharat Fund (Direct) | +7.03% | −0.40% | +15.29% | −3.77% | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
| Sectoral average | −1.70% | −4.49% | +2.30% | −0.58% | -- | -- | -- |
Category average: the average of the 235 Thematic funds and the 20 Sectoral funds, same plan type.
Aditya Birla Sun Life Digital India vs WhiteOak Capital Digital Bharat: Year-wise Returns
| Year | Aditya Birla Sun Life Digital IndiaAditya Birla Sun Life Digital India | WhiteOak Capital Digital BharatWhiteOak Capital Digital Bharat | BSE TECK TRI |
|---|---|---|---|
| 2026to date | −9.52% | −3.35% | −12.44% |
| 2025 | −4.24% | +1.81% | −3.10% |
| 2024 | +19.41% | -- | +24.26% |
| 2023 | +37.31% | -- | +21.11% |
| 2022 | −20.61% | -- | −17.75% |
| 2021 | +72.53% | -- | +51.70% |
Aditya Birla Sun Life Digital India vs WhiteOak Capital Digital Bharat: Rolling Returns
Every holding period of both funds, against BSE TECK TRI, the benchmark of both
Rolling returns
Every 1-year holding period, 257 of them, one for each trading day from 14-10-2025 to 29-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life Digital India Fund (Direct)
WhiteOak Capital Digital Bharat Fund (Direct)
BSE TECK TRI
to
Nov 2025Jan 2025
to
Jan 2026Mar 2025
to
Mar 2026May 2025
to
May 2026Jul 2025
to
Jul 2026Sept 2025
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Digital India | 96.9 | 3.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | −7.6% | −7.3% | −20.8% | 1.7% | 78% |
| WhiteOak Capital Digital Bharat | 47.7 | 31.3 | 11.7 | 7.8 | 1.6 | 0.0 | 0.0 | 0.7% | 0.6% | −12.4% | 17.0% | 100% |
| BSE TECK TRI | 99.2 | 0.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | −9.6% | −9.4% | −24.5% | 1.0% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is BSE TECK TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 14-10-2024. Past returns do not promise future returns.
Aditya Birla Sun Life Digital India vs WhiteOak Capital Digital Bharat: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-10-2024 to 29-10-2026: 25 instalments, ₹2,50,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Digital IndiaAditya Birla Sun Life Digital India Fund (Direct) | ₹2,50,000 | ₹2,45,327 | −₹4,673 | −1.7% |
| WhiteOak Capital Digital BharatWhiteOak Capital Digital Bharat Fund (Direct) | ₹2,50,000 | ₹2,65,318 | ₹15,318 | 5.6% |
Aditya Birla Sun Life Digital IndiaAditya Birla Sun Life Digital India Fund (Direct)
WhiteOak Capital Digital BharatWhiteOak Capital Digital Bharat Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Digital India vs WhiteOak Capital Digital Bharat: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Digital India Fund (Direct) | WhiteOak Capital Digital Bharat Fund (Direct) |
|---|---|---|
| Return (CAGR) | −7.71% | −3.77% |
| Standard deviation | 18.81% | 17.27% |
| Sharpe ratio | -0.69 | -0.52 |
| Sortino ratio | -0.94 | -0.72 |
| Maximum drawdown | −25.7% (30-03-2026) | −25.5% (23-03-2026) |
| Beta | 0.93 | 0.77 |
| Alpha | +0.63% | +0.76% |
From daily NAVs, 29-10-2025 to 29-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Digital India Fund (Direct) | WhiteOak Capital Digital Bharat Fund (Direct) |
|---|---|---|
| Return (CAGR) | +18.08% | +2.35% |
| Standard deviation | 17.69% | 18.82% |
| Sharpe ratio | 0.68 | -0.18 |
| Sortino ratio | 0.96 | -0.25 |
| Maximum drawdown | −34.5% (23-03-2020) | −25.5% (23-03-2026) |
| Beta | 0.90 | 0.82 |
| Alpha | +5.11% | +7.99% |
From daily NAVs, 02-01-2013 to 29-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life Digital India Fund (Direct)
WhiteOak Capital Digital Bharat Fund (Direct)
BSE TECK TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Digital India Fund (Direct) | −30.6% | 13-12-2024 | 30-03-2026 | Not yet | -- | −18.3% |
| WhiteOak Capital Digital Bharat Fund (Direct) | −25.5% | 22-12-2025 | 23-03-2026 | Not yet | -- | −6.4% |
| BSE TECK TRI | −31.1% | 13-12-2024 | 01-07-2026 | Not yet | -- | −19.2% |
From daily values since 14-10-2024, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Digital India Fund (Direct)
WhiteOak Capital Digital Bharat Fund (Direct)
BSE TECK TRI
Against BSE TECK TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Digital India Fund (Direct) | 91% | 89% | 8.81% |
| WhiteOak Capital Digital Bharat Fund (Direct) | 103% | 69% | 13.43% |
From month-end values since 14-10-2024. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Aditya Birla Sun Life Digital India vs WhiteOak Capital Digital Bharat: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Digital India Fund, September 2026; WhiteOak Capital Digital Bharat Fund, September 2026
Holdings in common
- Overlap
- 45.2%
- Held by both
- 16
- Only in Aditya Birla Sun Life Digital India
- 19
- Only in WhiteOak Capital Digital Bharat
- 25
| Security | % of Aditya Birla Sun Life Digital India | % of WhiteOak Capital Digital Bharat |
|---|---|---|
| Bharti Airtel Ltd. | 7.18% | 17.84% |
| Tech Mahindra Ltd. | 7.85% | 6.14% |
| Eternal Ltd. | 5.93% | 8.24% |
| Coforge Ltd. | 5.10% | 6.15% |
| Persistent Systems Ltd. | 4.92% | 6.13% |
| Infosys Ltd. | 9.93% | 3.95% |
| Tata Consultancy Services Ltd. | 7.20% | 2.86% |
| Firstsource Solutions Ltd. | 2.62% | 2.72% |
| HCL Technologies Ltd. | 3.55% | 2.21% |
| eClerx Services Ltd. | 1.15% | 3.31% |
| Sagility Ltd. | 1.07% | 2.60% |
| Mastek Ltd. | 0.96% | 0.80% |
| Latent View Analytics Ltd. | 1.23% | 0.78% |
| PB Fintech Ltd. | 1.03% | 0.25% |
| Oracle Financial Services Software Ltd. | 0.53% | 0.19% |
| Urban Company Ltd. | 0.84% | 0.01% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 45.2% means 45.2% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Digital India Fund
| Security | % of fund |
|---|---|
| Swiggy Ltd. | 4.20% |
| LTM Ltd. | 3.35% |
| Cyient Ltd. | 3.19% |
| Cyient DLM Ltd. | 2.38% |
| Hexaware Technologies Ltd. | 2.15% |
Largest holdings only in WhiteOak Capital Digital Bharat Fund
| Security | % of fund |
|---|---|
| Info Edge (India) Limited | 4.25% |
| Fractal Analytics Ltd | 2.56% |
| Lenskart Solutions Limited | 2.29% |
| FSN E-Commerce Ventures Limited | 2.26% |
| KRN Heat Exchanger And Refrigeration Limited | 2.07% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Digital India | WhiteOak Capital Digital Bharat |
|---|---|---|
| Equity | 95.0% | 90.9% |
| Debt | 0.0% | 7.5% |
| Cash and others | 5.0% | 1.6% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Digital India | WhiteOak Capital Digital Bharat |
|---|---|---|
| Large Cap | 46.1% | 43.1% |
| Mid Cap | 18.0% | 23.1% |
| Small Cap | 27.4% | 24.8% |
| Foreign stocks | 3.5% | 0.0% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life Digital India | WhiteOak Capital Digital Bharat |
|---|---|---|
| IT - Software | 57.0% | 34.7% |
| Telecom - Services | 7.8% | 19.4% |
| Retailing | 11.0% | 19.0% |
| Commercial Services & Supplies | 4.2% | 6.0% |
| IT - Services | 5.8% | 3.4% |
| Financial Technology (Fintech) | 2.7% | 0.3% |
| Industrial Products | 0.0% | 2.1% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Digital India vs WhiteOak Capital Digital Bharat: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Digital India Fund | WhiteOak Capital Digital Bharat Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.06% | 1.37% |
| Base expense ratio (Direct) | 0.77% | 0.61% |
| Total expense ratio (Regular) | 2.04% | 3.13% |
| Base expense ratio (Regular) | 1.62% | 2.10% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Aditya Birla Sun Life Digital India with
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- Aditya Birla Sun Life Digital India vs Aditya Birla Sun Life International Equity
Compare WhiteOak Capital Digital Bharat with
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- WhiteOak Capital Digital Bharat vs Nippon India Pharma
- WhiteOak Capital Digital Bharat vs Bandhan Transportation and Logistics
- WhiteOak Capital Digital Bharat vs Nippon India Power & Infra
- WhiteOak Capital Digital Bharat vs Invesco India Financial Services
Aditya Birla Sun Life Digital India Fund vs WhiteOak Capital Digital Bharat Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Digital India Fund and WhiteOak Capital Digital Bharat Fund?
Aditya Birla Sun Life Digital India Fund is a Thematic fund, WhiteOak Capital Digital Bharat Fund is a Sectoral fund, run by Aditya Birla Sun Life Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 45.2%. Aditya Birla Sun Life Digital India Fund charges 1.06% a year and WhiteOak Capital Digital Bharat Fund 1.37%.
Which has given higher returns, Aditya Birla Sun Life Digital India Fund or WhiteOak Capital Digital Bharat Fund?
Over 1 year: Aditya Birla Sun Life Digital India Fund −7.71%, WhiteOak Capital Digital Bharat Fund −3.77%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Digital India Fund or WhiteOak Capital Digital Bharat Fund?
Aditya Birla Sun Life Digital India Fund charges less: 1.06% a year against 1.37%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Digital India Fund and WhiteOak Capital Digital Bharat Fund overlap?
45.2%. They hold 16 of the same securities, the largest shared ones being BHARTIARTL, TECHM, ETERNAL. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Digital India Fund or WhiteOak Capital Digital Bharat Fund?
On SEBI's riskometer, Aditya Birla Sun Life Digital India Fund is rated Very High and WhiteOak Capital Digital Bharat Fund Very High. Over 1 years, the standard deviation of daily returns was 18.81% and 17.27% a year.
Can I invest in both Aditya Birla Sun Life Digital India Fund and WhiteOak Capital Digital Bharat Fund?
Yes. 45.2% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Aditya Birla Sun Life Digital India Fund and WhiteOak Capital Digital Bharat Fund?
Aditya Birla Sun Life Digital India Fund: Kunal Sangoi. WhiteOak Capital Digital Bharat Fund: Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.