Bajaj Finserv Balanced Advantage Fund vs WhiteOak Capital Balanced Advantage Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bajaj Finserv Balanced Advantage Fund and WhiteOak Capital Balanced Advantage Fund are both Balanced Advantage funds. In the year to 30-10-2026, Bajaj Finserv Balanced Advantage Fund (Direct) returned −1.8% and WhiteOak Capital Balanced Advantage Fund (Direct) returned −0.6%. Bajaj Finserv Balanced Advantage Fund charges 1.05% a year and WhiteOak Capital Balanced Advantage Fund 0.84% (Direct plans). Their portfolios overlap 26.5%: they hold 24 of the same securities.
Bajaj Finserv Balanced Advantage Fund
Balanced Advantage
- 1 year return
- −1.8%
- Expense ratio
- 1.05%
- NAV
- ₹11.78
WhiteOak Capital Balanced Advantage Fund
Balanced Advantage
- 1 year return
- −0.6%
- Expense ratio
- 0.84%
- NAV
- ₹15.21
Which is better, Bajaj Finserv Balanced Advantage or WhiteOak Capital Balanced Advantage? 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 Balanced Advantage returned more over 1 year: −0.6% against −1.8%.
- WhiteOak Capital Balanced Advantage costs less: 0.84% a year against 1.05% (Direct plans).
- WhiteOak Capital Balanced Advantage fell less in its worst fall since 18-12-2023: −9.6% against −12.5%.
- Bajaj Finserv Balanced Advantage holds more in large companies: 68.5% of the fund in large caps against 45.8%.
- WhiteOak Capital Balanced Advantage is the larger fund: ₹2,256 Cr against ₹1,207 Cr.
- Their portfolios overlap 26.5%: 24 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 | Bajaj Finserv Balanced Advantage Fund | WhiteOak Capital Balanced Advantage Fund |
|---|---|---|
| Fund house | Bajaj Finserv Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Balanced Advantage | Balanced Advantage |
| AUM | ₹1,207 Cr (30-09-2026) | ₹2,256 Cr (30-09-2026) |
| NAV | ₹11.78 (Direct) | ₹15.21 (Direct) |
| Expense ratio (Direct) | 1.05% | 0.84% |
| Expense ratio (Regular) | 2.64% | 2.25% |
| Riskometer | Very High | Very High |
| Benchmark | NIFTY 50 Hybrid Composite Debt 50:50 Index | CRISIL Hybrid 50+50 - Moderate Index |
| Launch date | 15-12-2023 | 10-02-2023 |
| Minimum investment | ₹500 | ₹500 |
| Lock in | None | None |
| Fund managers | Nimesh Chandan, Sorbh Gupta, Siddharth Chaudhary | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | Exit Load for units in excess of 8% of the investment,1% will be charged for redemption within 3 months. | Nil |
Bajaj Finserv Balanced Advantage vs WhiteOak Capital Balanced Advantage: 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 |
|---|---|---|---|---|---|---|---|
| Bajaj Finserv Balanced Advantage Fund (Direct) | −0.52% | −3.60% | +0.90% | −1.78% | -- | -- | -- |
| WhiteOak Capital Balanced Advantage Fund (Direct) | −0.45% | −2.43% | +2.18% | −0.57% | +11.37% | -- | -- |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | -- | -- |
Category average: the average of the 38 Balanced Advantage funds, same plan type.
Bajaj Finserv Balanced Advantage vs WhiteOak Capital Balanced Advantage: Year-wise Returns
| Year | Bajaj FinservBajaj Finserv Balanced Advantage | WhiteOak CapitalWhiteOak Capital Balanced Advantage |
|---|---|---|
| 2026to date | −2.88% | −0.97% |
| 2025 | +10.06% | +8.62% |
| 2024 | +8.82% | +18.70% |
Bajaj Finserv Balanced Advantage vs WhiteOak Capital Balanced Advantage: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 460 of them, one for each trading day from 18-12-2024 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Bajaj Finserv Balanced Advantage Fund (Direct)
WhiteOak Capital Balanced Advantage Fund (Direct)
to
Feb 2025Jun 2024
to
Jun 2025Sept 2024
to
Sept 2025Jan 2025
to
Jan 2026May 2025
to
May 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finserv Balanced Advantage | 8.5 | 40.0 | 40.9 | 10.7 | 0.0 | 0.0 | 0.0 | 5.0% | 5.2% | −3.6% | 14.9% |
| WhiteOak Capital Balanced Advantage | 2.0 | 23.0 | 38.0 | 28.5 | 7.4 | 1.1 | 0.0 | 8.5% | 8.7% | −2.1% | 20.8% |
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. Every fund is measured over the days all of them have, from 18-12-2023. Past returns do not promise future returns.
Bajaj Finserv Balanced Advantage vs WhiteOak Capital Balanced Advantage: 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 18-12-2023 to 30-10-2026: 35 instalments, ₹3,50,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Bajaj Finserv Balanced AdvantageBajaj Finserv Balanced Advantage Fund (Direct) | ₹3,50,000 | ₹3,65,095 | ₹15,095 | 2.9% |
| WhiteOak Capital Balanced AdvantageWhiteOak Capital Balanced Advantage Fund (Direct) | ₹3,50,000 | ₹3,79,134 | ₹29,134 | 5.4% |
Bajaj Finserv Balanced AdvantageBajaj Finserv Balanced Advantage Fund (Direct)
WhiteOak Capital Balanced AdvantageWhiteOak Capital Balanced Advantage 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.
Bajaj Finserv Balanced Advantage vs WhiteOak Capital Balanced Advantage: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bajaj Finserv Balanced Advantage Fund (Direct) | WhiteOak Capital Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | −1.78% | −0.57% |
| Standard deviation | 10.94% | 8.98% |
| Sharpe ratio | -0.64 | -0.65 |
| Sortino ratio | -0.86 | -0.87 |
| Maximum drawdown | −10.5% (30-03-2026) | −9.6% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. 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 | Bajaj Finserv Balanced Advantage Fund (Direct) | WhiteOak Capital Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | +5.82% | +12.11% |
| Standard deviation | 9.79% | 7.79% |
| Sharpe ratio | -0.02 | 0.76 |
| Sortino ratio | -0.02 | 1.06 |
| Maximum drawdown | −12.5% (04-03-2025) | −9.6% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 18-12-2023 to 30-10-2026. 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.
Bajaj Finserv Balanced Advantage Fund (Direct)
WhiteOak Capital Balanced Advantage Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Bajaj Finserv Balanced Advantage Fund (Direct) | −12.5% | 27-09-2024 | 04-03-2025 | 16-10-2025 | 7 months | −5.5% |
| WhiteOak Capital Balanced Advantage Fund (Direct) | −9.6% | 20-11-2025 | 30-03-2026 | 06-07-2026 | 3 months | −4.2% |
From daily values since 18-12-2023, 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.
Bajaj Finserv Balanced Advantage Fund (Direct)
WhiteOak Capital Balanced Advantage Fund (Direct)
Bajaj Finserv Balanced Advantage vs WhiteOak Capital Balanced Advantage: Portfolio Overlap
From each fund's latest monthly portfolio: Bajaj Finserv Balanced Advantage Fund, September 2026; WhiteOak Capital Balanced Advantage Fund, September 2026
Holdings in common
- Overlap
- 26.5%
- Held by both
- 24
- Only in Bajaj Finserv Balanced Advantage
- 33
- Only in WhiteOak Capital Balanced Advantage
- 116
| Security | % of Bajaj Finserv Balanced Advantage | % of WhiteOak Capital Balanced Advantage |
|---|---|---|
| ICICI Bank Limited | 5.83% | 6.97% |
| HDFC Bank Limited | 9.11% | 3.93% |
| Bharti Airtel Limited | 4.77% | 2.87% |
| State Bank of India | 2.45% | 1.90% |
| Reliance Industries Limited | 5.26% | 1.75% |
| Eternal Limited | 1.46% | 1.94% |
| Titan Company Limited | 1.25% | 1.35% |
| Axis Bank Limited | 2.04% | 0.96% |
| Larsen & Toubro Limited | 2.22% | 0.71% |
| Infosys Limited | 1.44% | 0.71% |
| Bajaj Finance Limited | 3.51% | 0.56% |
| Hindalco Industries Limited | 0.51% | 0.78% |
| Divi's Laboratories Limited | 3.07% | 0.50% |
| Asian Paints Limited | 0.56% | 0.50% |
| Bharat Electronics Limited | 0.47% | 1.18% |
| Tata Steel Limited | 2.62% | 0.46% |
| Sun Pharmaceutical Industries Limited | 1.96% | 0.44% |
| HCL Technologies Limited | 1.03% | 0.44% |
| Max Financial Services Limited | 0.66% | 0.40% |
| SBI Life Insurance Company Limited | 0.80% | 0.25% |
| Mahindra & Mahindra Limited | 0.24% | 1.93% |
| Vedanta Aluminium Metal Limited | 0.97% | 0.23% |
| JSW Steel Limited | 1.09% | 0.09% |
| SBI Funds Management Limited | 0.82% | 0.05% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 26.5% means 26.5% 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 Bajaj Finserv Balanced Advantage Fund
| Security | % of fund |
|---|---|
| GlaxoSmithKline Pharmaceuticals Limited | 2.64% |
| 6.85% National Bank For Agriculture and Rural Development (19/01/2029) | 2.03% |
| 6.66% Small Industries Dev Bank of India (25/10/2028) | 2.03% |
| Bajaj Auto Limited | 1.93% |
| DLF Limited | 1.91% |
Largest holdings only in WhiteOak Capital Balanced Advantage Fund
| Security | % of fund |
|---|---|
| Embassy Office Parks REIT | 2.82% |
| Nexus Select Trust - REIT | 2.71% |
| Nestle India Limited | 2.51% |
| Coforge Limited | 2.47% |
| Kotak Mahindra Bank Limited | 1.88% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bajaj Finserv Balanced Advantage | WhiteOak Capital Balanced Advantage |
|---|---|---|
| Equity | 82.8% | 66.1% |
| Debt | 5.7% | 17.2% |
| Cash and others | 11.5% | 16.7% |
Market cap of stocks
| Market cap | Bajaj Finserv Balanced Advantage | WhiteOak Capital Balanced Advantage |
|---|---|---|
| Large Cap | 68.5% | 45.8% |
| Mid Cap | 8.3% | 7.4% |
| Small Cap | 4.5% | 8.9% |
| Not on AMFI's list | 1.5% | 4.0% |
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 | Bajaj Finserv Balanced Advantage | WhiteOak Capital Balanced Advantage |
|---|---|---|
| Banks | 22.2% | 15.6% |
| Pharmaceuticals & Biotechnology | 8.9% | 4.3% |
| Finance | 6.6% | 3.6% |
| IT - Software | 2.5% | 5.8% |
| Petroleum Products | 5.3% | 1.8% |
| Telecom - Services | 4.8% | 2.9% |
| Ferrous Metals | 4.7% | 0.6% |
| Automobiles | 2.2% | 3.2% |
| Retailing | 2.2% | 3.0% |
The six largest sectors of each fund's stocks, % of the fund.
Bajaj Finserv Balanced Advantage vs WhiteOak Capital Balanced Advantage: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bajaj Finserv Balanced Advantage Fund | WhiteOak Capital Balanced Advantage Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.05% | 0.84% |
| Base expense ratio (Direct) | 0.52% | 0.54% |
| Total expense ratio (Regular) | 2.64% | 2.25% |
| Base expense ratio (Regular) | 1.87% | 1.74% |
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 Bajaj Finserv Balanced Advantage with
Compare WhiteOak Capital Balanced Advantage with
Bajaj Finserv Balanced Advantage Fund vs WhiteOak Capital Balanced Advantage Fund: Frequently Asked Questions
What is the difference between Bajaj Finserv Balanced Advantage Fund and WhiteOak Capital Balanced Advantage Fund?
Both are Balanced Advantage funds, run by Bajaj Finserv Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 26.5%. Bajaj Finserv Balanced Advantage Fund charges 1.05% a year and WhiteOak Capital Balanced Advantage Fund 0.84%.
Which has given higher returns, Bajaj Finserv Balanced Advantage Fund or WhiteOak Capital Balanced Advantage Fund?
Over 1 year: Bajaj Finserv Balanced Advantage Fund −1.78%, WhiteOak Capital Balanced Advantage Fund −0.57%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Bajaj Finserv Balanced Advantage Fund or WhiteOak Capital Balanced Advantage Fund?
WhiteOak Capital Balanced Advantage Fund charges less: 0.84% a year against 1.05%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bajaj Finserv Balanced Advantage Fund and WhiteOak Capital Balanced Advantage Fund overlap?
26.5%. They hold 24 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, BHARTIARTL. From each fund's latest monthly portfolio.
Which is riskier, Bajaj Finserv Balanced Advantage Fund or WhiteOak Capital Balanced Advantage Fund?
On SEBI's riskometer, Bajaj Finserv Balanced Advantage Fund is rated Very High and WhiteOak Capital Balanced Advantage Fund Very High. Over 1 years, the standard deviation of daily returns was 10.94% and 8.98% a year.
Can I invest in both Bajaj Finserv Balanced Advantage Fund and WhiteOak Capital Balanced Advantage Fund?
Yes. 26.5% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Bajaj Finserv Balanced Advantage Fund and WhiteOak Capital Balanced Advantage Fund?
Bajaj Finserv Balanced Advantage Fund: Nimesh Chandan, Sorbh Gupta, Siddharth Chaudhary. WhiteOak Capital Balanced Advantage 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.