Bajaj Finserv Ultra Short to Short Term Fund vs WhiteOak Capital Ultra Short Term Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bajaj Finserv Ultra Short to Short Term Fund is a Low Duration fund and WhiteOak Capital Ultra Short Term Fund is an Ultra Short fund. Bajaj Finserv Ultra Short to Short Term Fund charges 0.24% a year and WhiteOak Capital Ultra Short Term Fund 0.27% (Direct plans). Their portfolios overlap 15.5%: they hold 5 of the same securities.
Bajaj Finserv Ultra Short to Short Term Fund
Low Duration
- Expense ratio
- 0.24%
- NAV
- ₹1,040.94
WhiteOak Capital Ultra Short Term Fund
Ultra Short
- Expense ratio
- 0.27%
- NAV
- ₹1,527.59
Which is better, Bajaj Finserv Ultra Short to Short Term or WhiteOak Capital Ultra Short Term? 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 Ultra Short to Short Term costs less: 0.24% a year against 0.27% (Direct plans).
- WhiteOak Capital Ultra Short Term fell less in its worst fall since 23-02-2026: −0.1% against −0.2%.
- Bajaj Finserv Ultra Short to Short Term is the larger fund: ₹582 Cr against ₹549 Cr.
- Their portfolios overlap 15.5%: 5 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 Ultra Short to Short Term Fund | WhiteOak Capital Ultra Short Term Fund |
|---|---|---|
| Fund house | Bajaj Finserv Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Low Duration | Ultra Short |
| AUM | ₹582 Cr (30-09-2026) | ₹549 Cr (30-09-2026) |
| NAV | ₹1,040.94 (Direct) | ₹1,527.59 (Direct) |
| Expense ratio (Direct) | 0.24% | 0.27% |
| Expense ratio (Regular) | 1.02% | 0.82% |
| Riskometer | Low to Moderate | Low to Moderate |
| Benchmark | NIFTY Low Duration Debt Index A-I | CRISIL Ultra Short Duration Debt A-I Index |
| Launch date | 20-02-2026 | 06-06-2019 |
| Minimum investment | ₹5,000 | For Growth option - Rs.500; For IDCW option - Rs.2000 |
| Lock in | None | None |
| Fund managers | Nimesh Chandan, Siddharth Chaudhary | Piyush Baranwal |
| Exit load | Nil | Nil |
Bajaj Finserv Ultra Short to Short Term vs WhiteOak Capital Ultra Short Term: 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 Ultra Short to Short Term Fund (Direct) | +0.24% | +1.18% | +3.02% | -- | -- | -- | -- |
| WhiteOak Capital Ultra Short Term Fund (Direct) | +0.29% | +1.43% | +3.16% | +6.20% | +6.92% | +6.36% | -- |
| Low Duration average | +0.18% | +1.12% | +2.95% | -- | -- | -- | -- |
| Ultra Short average | +0.30% | +1.34% | +3.06% | +6.00% | +6.82% | +6.27% | -- |
Category average: the average of the 25 Low Duration funds and the 26 Ultra Short funds, same plan type.
Bajaj Finserv Ultra Short to Short Term vs WhiteOak Capital Ultra Short Term: Year-wise Returns
| Year | Bajaj Finserv Ultra Short toBajaj Finserv Ultra Short to Short Term | WhiteOak Capital UltraWhiteOak Capital Ultra Short Term |
|---|---|---|
| 2026to date | -- | +5.18% |
| 2025 | -- | +6.94% |
| 2024 | -- | +7.46% |
| 2023 | -- | +7.06% |
| 2022 | -- | +4.60% |
| 2021 | -- | +4.51% |
Bajaj Finserv Ultra Short to Short Term vs WhiteOak Capital Ultra Short Term: Rolling Returns
Every holding period of both funds
Bajaj Finserv Ultra Short to Short Term vs WhiteOak Capital Ultra Short Term: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bajaj Finserv Ultra Short to Short Term Fund (Direct) | WhiteOak Capital Ultra Short Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +5.90% | +5.89% |
| Standard deviation | 0.67% | 0.53% |
| Sharpe ratio | 0.96 | 1.39 |
| Sortino ratio | 1.47 | 4.39 |
| Maximum drawdown | −0.2% (21-05-2026) | −0.2% (11-05-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 23-02-2026 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 Ultra Short to Short Term Fund (Direct)
WhiteOak Capital Ultra Short Term Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Bajaj Finserv Ultra Short to Short Term Fund (Direct) | −0.2% | 11-05-2026 | 21-05-2026 | 01-06-2026 | 11 days | 0.0% |
| WhiteOak Capital Ultra Short Term Fund (Direct) | −0.1% | 13-10-2026 | 22-10-2026 | 27-10-2026 | 5 days | 0.0% |
From daily values since 23-02-2026, the first day every fund has.
Bajaj Finserv Ultra Short to Short Term vs WhiteOak Capital Ultra Short Term: Portfolio Overlap
From each fund's latest monthly portfolio: Bajaj Finserv Ultra Short to Short Term Fund, September 2026; WhiteOak Capital Ultra Short Term Fund, September 2026
Holdings in common
- Overlap
- 15.5%
- Held by both
- 5
- Only in Bajaj Finserv Ultra Short to Short Term
- 16
- Only in WhiteOak Capital Ultra Short Term
- 17
| Security | % of Bajaj Finserv Ultra Short to Short Term | % of WhiteOak Capital Ultra Short Term |
|---|---|---|
| 7.9% LIC Housing Finance Limited (23/06/2027) | 4.30% | 4.55% |
| Canara Bank (04/03/2027) | 4.17% | 4.42% |
| Indian Bank (21/06/2027) | 4.08% | 4.33% |
| 8.4% Cholamandalam Investment and Finance Company Ltd (18/09/2027) | 4.30% | 2.74% |
| SBI - Corporate Debt Market Development Fund (CDMDF) - Class A2 | 0.23% | 0.29% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 15.5% means 15.5% 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 Ultra Short to Short Term Fund
| Security | % of fund |
|---|---|
| 8.9% Muthoot Finance Limited (07/10/2027) | 5.16% |
| 7.59% Power Finance Corporation Limited (17/01/2028) | 4.29% |
| 7.7% Bajaj Housing Finance Limited (21/05/2027) | 4.28% |
| 7.44% National Bank For Agriculture and Rural Development (24/02/2028) | 4.28% |
| 7.48% National Bank For Agriculture and Rural Development (15/09/2028) | 4.27% |
Largest holdings only in WhiteOak Capital Ultra Short Term Fund
| Security | % of fund |
|---|---|
| National Bank For Agriculture and Rural Development (17/02/2027) | 8.87% |
| Bank of Baroda (08/03/2027) | 8.49% |
| 8.9% Muthoot Finance Limited (17/06/2027) | 4.56% |
| 7.14% Bajaj Housing Finance Limited (26/02/2027) | 4.54% |
| Small Industries Dev Bank of India (04/02/2027) | 4.45% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bajaj Finserv Ultra Short to Short Term | WhiteOak Capital Ultra Short Term |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 82.0% | 94.2% |
| Cash and others | 18.0% | 5.8% |
Bajaj Finserv Ultra Short to Short Term vs WhiteOak Capital Ultra Short Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bajaj Finserv Ultra Short to Short Term Fund | WhiteOak Capital Ultra Short Term Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.24% | 0.27% |
| Base expense ratio (Direct) | 0.19% | 0.22% |
| Total expense ratio (Regular) | 1.02% | 0.82% |
| Base expense ratio (Regular) | 0.85% | 0.69% |
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 Ultra Short to Short Term with
- Bajaj Finserv Ultra Short to Short Term vs HSBC Ultra Short to Short Term
- Bajaj Finserv Ultra Short to Short Term vs Nippon India Ultra Short to Short Term
- Bajaj Finserv Ultra Short to Short Term vs Axis Ultra Short to Short Term
- Bajaj Finserv Ultra Short to Short Term vs Kotak Ultra Short to Short Term
- Bajaj Finserv Ultra Short to Short Term vs Mirae Asset Ultra Short to Short Term
Compare WhiteOak Capital Ultra Short Term with
- WhiteOak Capital Ultra Short Term vs Tata Ultra Short Term
- WhiteOak Capital Ultra Short Term vs Aditya Birla Sun Life Ultra Short Term
- WhiteOak Capital Ultra Short Term vs Axis Ultra Short Term fund
- WhiteOak Capital Ultra Short Term vs Mirae Asset Ultra Short-Term
- WhiteOak Capital Ultra Short Term vs ICICI Prudential Ultra Short Term
Bajaj Finserv Ultra Short to Short Term Fund vs WhiteOak Capital Ultra Short Term Fund: Frequently Asked Questions
What is the difference between Bajaj Finserv Ultra Short to Short Term Fund and WhiteOak Capital Ultra Short Term Fund?
Bajaj Finserv Ultra Short to Short Term Fund is a Low Duration fund, WhiteOak Capital Ultra Short Term Fund is an Ultra Short fund, run by Bajaj Finserv Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 15.5%. Bajaj Finserv Ultra Short to Short Term Fund charges 0.24% a year and WhiteOak Capital Ultra Short Term Fund 0.27%.
Which has the lower expense ratio, Bajaj Finserv Ultra Short to Short Term Fund or WhiteOak Capital Ultra Short Term Fund?
Bajaj Finserv Ultra Short to Short Term Fund charges less: 0.24% a year against 0.27%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bajaj Finserv Ultra Short to Short Term Fund and WhiteOak Capital Ultra Short Term Fund overlap?
15.5%. They hold 5 of the same securities, the largest shared ones being 7.9% LIC Housing Finance Limited (23/06/2027), Canara Bank (04/03/2027), Indian Bank (21/06/2027). From each fund's latest monthly portfolio.
Which is riskier, Bajaj Finserv Ultra Short to Short Term Fund or WhiteOak Capital Ultra Short Term Fund?
On SEBI's riskometer, Bajaj Finserv Ultra Short to Short Term Fund is rated Low to Moderate and WhiteOak Capital Ultra Short Term Fund Low to Moderate. Over their common history, the standard deviation of daily returns was 0.67% and 0.53% a year.
Can I invest in both Bajaj Finserv Ultra Short to Short Term Fund and WhiteOak Capital Ultra Short Term Fund?
Yes. 15.5% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Bajaj Finserv Ultra Short to Short Term Fund and WhiteOak Capital Ultra Short Term Fund?
Bajaj Finserv Ultra Short to Short Term Fund: Nimesh Chandan, Siddharth Chaudhary. WhiteOak Capital Ultra Short Term Fund: Piyush Baranwal.
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.