Bajaj Finserv Multi Asset Allocation Fund vs WhiteOak Capital Dividend Yield Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bajaj Finserv Multi Asset Allocation Fund is a Multi Asset fund and WhiteOak Capital Dividend Yield Fund is a Dividend Yield fund. Bajaj Finserv Multi Asset Allocation Fund charges 0.73% a year and WhiteOak Capital Dividend Yield Fund 2.53% (Direct plans). Their portfolios overlap 22.1%: they hold 16 of the same securities.
Bajaj Finserv Multi Asset Allocation Fund
Multi Asset
- Expense ratio
- 0.73%
- NAV
- ₹12.01
WhiteOak Capital Dividend Yield Fund
Dividend Yield
- Expense ratio
- 2.53%
- NAV
- ₹9.84
Which is better, Bajaj Finserv Multi Asset Allocation or WhiteOak Capital Dividend Yield? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Bajaj Finserv Multi Asset Allocation costs less: 0.73% a year against 2.53% (Direct plans).
- WhiteOak Capital Dividend Yield fell less in its worst fall since 31-08-2026: −3.5% against −6.7%.
- Bajaj Finserv Multi Asset Allocation holds more in large companies: 44.0% of the fund in large caps against 19.2%.
- Bajaj Finserv Multi Asset Allocation is the larger fund: ₹1,913 Cr against ₹421 Cr.
- Their portfolios overlap 22.1%: 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 | Bajaj Finserv Multi Asset Allocation Fund | WhiteOak Capital Dividend Yield Fund |
|---|---|---|
| Fund house | Bajaj Finserv Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Multi Asset | Dividend Yield |
| AUM | ₹1,913 Cr (30-09-2026) | ₹421 Cr (30-09-2026) |
| NAV | ₹12.01 (Direct) | ₹9.84 (Direct) |
| Expense ratio (Direct) | 0.73% | 2.53% |
| Expense ratio (Regular) | 2.20% | 3.82% |
| Riskometer | Very High | Moderate |
| Benchmark | Nifty 50 TRI 65% + NIFTY Short Duration Debt Index 25% + Domestic Prices of Gold 10% | BSE 500 TRI |
| Launch date | 03-06-2024 | 28-08-2026 |
| Minimum investment | ₹500 | ₹100 |
| Lock in | None | None |
| Fund managers | Anup Kulkarni, Sabyasachi Mukerji Associate Fund ManagerFM-3- Mr. Siddharth Chaudhary, Cheragh Sidhwa | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | Exit Load for units in excess of 30% of the investment,1% will be charged for redemption within 3 Months. | Nil |
Bajaj Finserv Multi Asset Allocation vs WhiteOak Capital Dividend Yield: 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 Multi Asset Allocation Fund (Direct) | −2.21% | −5.00% | −2.74% | +0.14% | -- | -- | -- |
| WhiteOak Capital Dividend Yield Fund (Direct) | −2.09% | -- | -- | -- | -- | -- | -- |
| Multi Asset average | −1.71% | −3.33% | −1.78% | +2.00% | -- | -- | -- |
| Dividend Yield average | −1.57% | -- | -- | -- | -- | -- | -- |
Category average: the average of the 37 Multi Asset funds and the 12 Dividend Yield funds, same plan type.
Bajaj Finserv Multi Asset Allocation vs WhiteOak Capital Dividend Yield: Year-wise Returns
| Year | Bajaj Finserv Multi Asset AllocationBajaj Finserv Multi Asset Allocation | WhiteOak Capital Dividend YieldWhiteOak Capital Dividend Yield |
|---|---|---|
| 2026to date | −4.57% | -- |
| 2025 | +20.92% | -- |
Bajaj Finserv Multi Asset Allocation vs WhiteOak Capital Dividend Yield: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of WhiteOak Capital Dividend Yield Fund
Bajaj Finserv Multi Asset Allocation vs WhiteOak Capital Dividend Yield: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bajaj Finserv Multi Asset Allocation Fund (Direct) | WhiteOak Capital Dividend Yield Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.77% | −9.13% |
| Standard deviation | 10.19% | 4.99% |
| Sharpe ratio | 0.19 | -2.89 |
| Sortino ratio | 0.26 | -3.42 |
| Maximum drawdown | −13.2% (23-03-2026) | −3.5% (29-10-2026) |
| Beta | -- | 0.14 |
| Alpha | -- | −9.17% |
From daily NAVs, 06-06-2024 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 Multi Asset Allocation Fund (Direct)
WhiteOak Capital Dividend Yield Fund (Direct)
BSE 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Bajaj Finserv Multi Asset Allocation Fund (Direct) | −6.7% | 31-08-2026 | 23-10-2026 | Not yet | -- | −6.5% |
| WhiteOak Capital Dividend Yield Fund (Direct) | −3.5% | 25-09-2026 | 29-10-2026 | Not yet | -- | −2.8% |
| BSE 500 TRI | −8.3% | 31-08-2026 | 23-10-2026 | Not yet | -- | −6.4% |
From daily values since 31-08-2026, the first day every fund has.
Bajaj Finserv Multi Asset Allocation vs WhiteOak Capital Dividend Yield: Portfolio Overlap
From each fund's latest monthly portfolio: Bajaj Finserv Multi Asset Allocation Fund, September 2026; WhiteOak Capital Dividend Yield Fund, September 2026
Holdings in common
- Overlap
- 22.1%
- Held by both
- 16
- Only in Bajaj Finserv Multi Asset Allocation
- 53
- Only in WhiteOak Capital Dividend Yield
- 32
| Security | % of Bajaj Finserv Multi Asset Allocation | % of WhiteOak Capital Dividend Yield |
|---|---|---|
| Embassy Office Parks REIT | 3.26% | 9.46% |
| ICICI Bank Limited | 5.66% | 3.15% |
| HDFC Bank Limited | 6.20% | 2.91% |
| Knowledge Realty Trust | 2.02% | 9.52% |
| Mindspace Business Parks REIT | 1.88% | 9.62% |
| Reliance Industries Limited | 1.90% | 1.83% |
| Bharti Airtel Limited | 2.08% | 1.54% |
| Infosys Limited | 1.43% | 1.60% |
| Cube Highways Trust-InvIT Fund | 1.07% | 4.81% |
| State Bank of India | 2.99% | 0.79% |
| HCL Technologies Limited | 0.67% | 0.81% |
| Bajaj Finance Limited | 1.90% | 0.56% |
| Tata Consultancy Services Limited | 0.86% | 0.39% |
| Vedanta Aluminium Metal Limited | 1.15% | 0.27% |
| Bajaj Auto Limited | 0.73% | 0.17% |
| Power Grid Corporation of India Limited | 1.07% | 0.15% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 22.1% means 22.1% 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 Multi Asset Allocation Fund
| Security | % of fund |
|---|---|
| DSP Gold ETF | 7.97% |
| Kotak MF Gold ETF | 3.02% |
| Bajaj Finserv Money Market Fund-Direct Plan-Growth | 2.65% |
| 7.37% Axis Finance Limited (23/08/2028) | 2.58% |
| Larsen & Toubro Limited | 2.30% |
Largest holdings only in WhiteOak Capital Dividend Yield Fund
| Security | % of fund |
|---|---|
| Bagmane Prime Office REIT | 9.72% |
| Nexus Select Trust - REIT | 9.68% |
| Brookfield India Real Estate Trust | 9.11% |
| 91 Days Tbill (MD 27/11/2026) | 3.89% |
| National Highways Infra Trust | 2.84% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bajaj Finserv Multi Asset Allocation | WhiteOak Capital Dividend Yield |
|---|---|---|
| Equity | 61.4% | 23.9% |
| Debt | 5.3% | 6.3% |
| Cash and others | 33.3% | 69.8% |
Market cap of stocks
| Market cap | Bajaj Finserv Multi Asset Allocation | WhiteOak Capital Dividend Yield |
|---|---|---|
| Large Cap | 44.0% | 19.2% |
| Mid Cap | 4.9% | 1.6% |
| Small Cap | 12.5% | 1.5% |
| Not on AMFI's list | 0.0% | 1.7% |
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 Multi Asset Allocation | WhiteOak Capital Dividend Yield |
|---|---|---|
| Banks | 16.8% | 7.1% |
| Pharmaceuticals & Biotechnology | 8.2% | 0.1% |
| IT - Software | 3.0% | 5.5% |
| Finance | 3.6% | 1.0% |
| Telecom - Services | 3.5% | 1.5% |
| Auto Components | 3.0% | 0.0% |
| Automobiles | 2.5% | 1.7% |
| Petroleum Products | 1.9% | 2.1% |
| Capital Markets | 1.3% | 1.2% |
The six largest sectors of each fund's stocks, % of the fund.
Bajaj Finserv Multi Asset Allocation vs WhiteOak Capital Dividend Yield: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bajaj Finserv Multi Asset Allocation Fund | WhiteOak Capital Dividend Yield Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.73% | 2.53% |
| Base expense ratio (Direct) | 0.44% | 0.41% |
| Total expense ratio (Regular) | 2.20% | 3.82% |
| Base expense ratio (Regular) | 1.69% | 1.50% |
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
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Bajaj Finserv Multi Asset Allocation Fund vs WhiteOak Capital Dividend Yield Fund: Frequently Asked Questions
What is the difference between Bajaj Finserv Multi Asset Allocation Fund and WhiteOak Capital Dividend Yield Fund?
Bajaj Finserv Multi Asset Allocation Fund is a Multi Asset fund, WhiteOak Capital Dividend Yield Fund is a Dividend Yield fund, run by Bajaj Finserv Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 22.1%. Bajaj Finserv Multi Asset Allocation Fund charges 0.73% a year and WhiteOak Capital Dividend Yield Fund 2.53%.
Which has the lower expense ratio, Bajaj Finserv Multi Asset Allocation Fund or WhiteOak Capital Dividend Yield Fund?
Bajaj Finserv Multi Asset Allocation Fund charges less: 0.73% a year against 2.53%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bajaj Finserv Multi Asset Allocation Fund and WhiteOak Capital Dividend Yield Fund overlap?
22.1%. They hold 16 of the same securities, the largest shared ones being EMBASSY-RR, ICICIBANK, HDFCBANK. From each fund's latest monthly portfolio.
Which is riskier, Bajaj Finserv Multi Asset Allocation Fund or WhiteOak Capital Dividend Yield Fund?
On SEBI's riskometer, Bajaj Finserv Multi Asset Allocation Fund is rated Very High and WhiteOak Capital Dividend Yield Fund Moderate. Over their common history, the standard deviation of daily returns was 10.19% and 4.99% a year.
Can I invest in both Bajaj Finserv Multi Asset Allocation Fund and WhiteOak Capital Dividend Yield Fund?
Yes. 22.1% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Bajaj Finserv Multi Asset Allocation Fund and WhiteOak Capital Dividend Yield Fund?
Bajaj Finserv Multi Asset Allocation Fund: Anup Kulkarni, Sabyasachi Mukerji Associate Fund ManagerFM-3- Mr. Siddharth Chaudhary, Cheragh Sidhwa. WhiteOak Capital Dividend Yield 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.