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    Baroda BNP Paribas Multi Asset Fund vs WhiteOak Capital Multi Asset Allocation Fund

    Direct Plan, Growth option · Data as on 30-10-2026

    Baroda BNP Paribas Multi Asset Fund and WhiteOak Capital Multi Asset Allocation Fund are both Multi Asset funds. In the 3 years to 30-10-2026, Baroda BNP Paribas Multi Asset Fund (Direct) returned 13.3% a year and WhiteOak Capital Multi Asset Allocation Fund (Direct) returned 16.1% a year. Baroda BNP Paribas Multi Asset Fund charges 0.89% a year and WhiteOak Capital Multi Asset Allocation Fund 0.65% (Direct plans). Their portfolios overlap 15.7%: they hold 31 of the same securities.

    Baroda BNP Paribas Multi Asset Fund

    Multi Asset

    3 year return
    13.3%
    Expense ratio
    0.89%
    NAV
    ₹16.15
    See Baroda BNP Paribas Multi Asset Fund

    WhiteOak Capital Multi Asset Allocation Fund

    Multi Asset

    3 year return
    16.1%
    Expense ratio
    0.65%
    NAV
    ₹16.30
    See WhiteOak Capital Multi Asset Allocation Fund

    Which is better, Baroda BNP Paribas Multi Asset or WhiteOak Capital Multi Asset Allocation? 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 Multi Asset Allocation returned more over 3 years: 16.1% a year against 13.3%.
    • WhiteOak Capital Multi Asset Allocation returned more over 1 year: 6.0% against −0.3%.
    • WhiteOak Capital Multi Asset Allocation costs less: 0.65% a year against 0.89% (Direct plans).
    • WhiteOak Capital Multi Asset Allocation swung less over 3 years: a standard deviation of 5.7% a year against 10.8%.
    • WhiteOak Capital Multi Asset Allocation fell less in its worst fall since 22-05-2023: −6.1% against −11.9%.
    • Baroda BNP Paribas Multi Asset holds more in large companies: 47.1% of the fund in large caps against 19.9%.
    • WhiteOak Capital Multi Asset Allocation is the larger fund: ₹9,111 Cr against ₹1,398 Cr.
    • Their portfolios overlap 15.7%: 31 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

    FactBaroda BNP Paribas Multi Asset FundWhiteOak Capital Multi Asset Allocation Fund
    Fund houseBaroda BNP Paribas Mutual FundWhiteOak Capital Mutual Fund
    CategoryMulti AssetMulti Asset
    AUM₹1,398 Cr (30-09-2026)₹9,111 Cr (30-09-2026)
    NAV₹16.15 (Direct)₹16.30 (Direct)
    Expense ratio (Direct)0.89%0.65%
    Expense ratio (Regular)2.04%1.67%
    RiskometerNot availableHigh
    BenchmarkNot available30% BSE 500 TRI + 50% CRISIL Short Term Bond Index + 16% Domestic prices of Gold + 1% Domestic prices of Silver + 3% iCO
    Launch dateNot available19-05-2023
    Minimum investmentNot available₹500
    Lock inNot availableNone
    Fund managersNot availableRamesh Mantri, Piyush Baranwal, Dheeresh Pathak, Ashish Agrawal, Trupti Agrawal
    Exit loadNot availableNil

    Baroda BNP Paribas Multi Asset vs WhiteOak Capital Multi Asset Allocation: Returns Comparison

    Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

    Fund1M3M6M1Y3Y5Y10Y
    Baroda BNP Paribas Multi Asset Fund (Direct)−1.53%−4.77%−3.91%−0.27%+13.33%----
    WhiteOak Capital Multi Asset Allocation Fund (Direct)−1.16%−1.15%+1.63%+6.03%+16.11%----
    Multi Asset average−1.71%−3.33%−1.78%+2.00%+14.20%----

    Category average: the average of the 37 Multi Asset funds, same plan type.

    Baroda BNP Paribas Multi Asset vs WhiteOak Capital Multi Asset Allocation: Year-wise Returns

    YearBaroda BNP Paribas Multi AssetBaroda BNP Paribas Multi AssetWhiteOak Capital Multi Asset AllocationWhiteOak Capital Multi Asset Allocation
    2026to date−2.74%+4.15%
    2025+15.03%+18.39%
    2024+15.91%+18.99%
    2023+24.70%--

    Baroda BNP Paribas Multi Asset vs WhiteOak Capital Multi Asset Allocation: Rolling Returns

    Every holding period of both funds

    Rolling returns

    Every 3-year holding period, 109 of them, one for each trading day from 22-05-2026 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.

    0%5%10%15%20%
    Jun 2023
    to
    Jun 2026    Jul 2023
    to
    Jul 2026    Jul 2023
    to
    Jul 2026    Aug 2023
    to
    Aug 2026    Sept 2023
    to
    Sept 2026    Oct 2023
    to
    Oct 2026
    Baroda BNP Paribas Multi Asset Fund (Direct)WhiteOak Capital Multi Asset Allocation Fund (Direct)

    How the periods spread

    FundBelow 0%0-5%5-10%10-15%15-20%20-25%Above 25%MeanMedianLowestHighest
    Baroda BNP Paribas Multi Asset0.00.00.032.167.90.00.015.6%16.0%12.6%18.3%
    WhiteOak Capital Multi Asset Allocation0.00.00.00.0100.00.00.016.9%16.8%15.7%17.9%

    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 22-05-2023. Past returns do not promise future returns.

    Baroda BNP Paribas Multi Asset vs WhiteOak Capital Multi Asset Allocation: 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

    Step up each year
    PeriodFor

    ₹10,000 on the first trading day of every month, from 02-05-2023 to 30-10-2026: 42 instalments, ₹4,20,000 in all.

    InvestmentInvestedValue nowGainReturn a year
    Baroda BNP Paribas Multi AssetBaroda BNP Paribas Multi Asset Fund (Direct) ₹4,20,000 ₹4,83,284 ₹63,284 8.0%
    WhiteOak Capital Multi Asset AllocationWhiteOak Capital Multi Asset Allocation Fund (Direct) ₹4,20,000 ₹5,25,075 ₹1,05,075 12.9%
    ₹0₹2.0 L₹4.0 L₹6.0 L
    202420252026
    Baroda BNP Paribas Multi AssetBaroda BNP Paribas Multi Asset Fund (Direct)WhiteOak Capital Multi Asset AllocationWhiteOak Capital Multi Asset Allocation 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.

    Baroda BNP Paribas Multi Asset vs WhiteOak Capital Multi Asset Allocation: Risk and Drawdowns

    How much each fund swings, and the worst fall over the same days

    Risk and return

    MeasureBaroda BNP Paribas Multi Asset Fund (Direct)WhiteOak Capital Multi Asset Allocation Fund (Direct)
    Return (CAGR)+13.33%+16.11%
    Standard deviation10.85%5.74%
    Sharpe ratio0.671.76
    Sortino ratio0.932.50
    Maximum drawdown−11.9% (28-02-2025)−6.1% (23-03-2026)
    Beta----
    Alpha----

    From daily NAVs, 30-10-2023 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.

    −12%−10%−8%−6%−4%−2%0%
    202420252026
    Baroda BNP Paribas Multi Asset Fund (Direct)WhiteOak Capital Multi Asset Allocation Fund (Direct)
    FundWorst fallHigh before itBottomBack at the highTime to climb backBelow its high today
    Baroda BNP Paribas Multi Asset Fund (Direct)−11.9%27-09-202428-02-202526-06-20254 months−7.6%
    WhiteOak Capital Multi Asset Allocation Fund (Direct)−6.1%02-03-202623-03-202616-06-20263 months−3.8%

    From daily values since 22-05-2023, 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 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.

    0%2%4%6%8%10%12%
    Baroda BNP Paribas Multi Asset Fund (Direct)WhiteOak Capital Multi Asset Allocation Fund (Direct)

    Baroda BNP Paribas Multi Asset vs WhiteOak Capital Multi Asset Allocation: Portfolio Overlap

    From each fund's latest monthly portfolio: Baroda BNP Paribas Multi Asset Fund, September 2026; WhiteOak Capital Multi Asset Allocation Fund, September 2026

    Holdings in common

    Overlap
    15.7%
    Held by both
    31
    Only in Baroda BNP Paribas Multi Asset
    37
    Only in WhiteOak Capital Multi Asset Allocation
    169
    Security% of Baroda BNP Paribas Multi Asset% of WhiteOak Capital Multi Asset Allocation
    ICICI Bank Limited4.60%2.89%
    Bharti Airtel Limited2.49%1.41%
    HDFC Bank Limited4.24%1.30%
    Nestle India Limited1.35%1.18%
    Eternal Limited2.14%0.85%
    State Bank of India1.67%0.83%
    Reliance Industries Limited3.82%0.80%
    Kotak Mahindra Bank Limited1.61%0.69%
    Torrent Pharmaceuticals Limited0.77%0.60%
    Titan Company Limited0.80%0.54%

    Overlap: for each holding both funds own, the smaller of its two weights, added up. 15.7% means 15.7% 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 Baroda BNP Paribas Multi Asset Fund

    Security% of fund
    Nippon India ETF Gold Bees7.91%
    Baroda BNP Paribas Gold ETF-RG7.18%
    Hitachi Energy India Limited3.85%
    Linde India Limited1.87%
    7.44% REC Limited (29/02/2028)1.78%

    Largest holdings only in WhiteOak Capital Multi Asset Allocation Fund

    Security% of fund
    Nexus Select Trust - REIT3.64%
    Embassy Office Parks REIT2.88%
    ICICI Prudential Gold ETF2.82%
    Cube Highways Trust-InvIT Fund2.53%
    Knowledge Realty Trust2.18%

    Asset and sector split

    Share of each fund, from its latest monthly portfolio

    Asset allocation

    AssetBaroda BNP Paribas Multi AssetWhiteOak Capital Multi Asset Allocation
    Equity70.2%28.2%
    Debt10.4%31.0%
    Cash and others19.3%40.8%

    Market cap of stocks

    Market capBaroda BNP Paribas Multi AssetWhiteOak Capital Multi Asset Allocation
    Large Cap47.1%19.9%
    Mid Cap16.3%3.1%
    Small Cap5.5%3.5%
    Foreign stocks0.0%0.4%
    Not on AMFI's list1.4%1.4%

    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

    SectorBaroda BNP Paribas Multi AssetWhiteOak Capital Multi Asset Allocation
    Banks14.7%6.2%
    Electrical Equipment5.5%0.6%
    IT - Software4.2%2.0%
    Petroleum Products3.8%0.8%
    Pharmaceuticals & Biotechnology3.7%1.9%
    Construction3.5%0.3%
    Telecom - Services2.5%1.4%
    Food Products2.2%1.4%
    Finance2.0%1.7%

    The six largest sectors of each fund's stocks, % of the fund.

    Baroda BNP Paribas Multi Asset vs WhiteOak Capital Multi Asset Allocation: Expense Ratio

    What each plan charges a year, from AMFI's expense ratio file

    ChargeBaroda BNP Paribas Multi Asset FundWhiteOak Capital Multi Asset Allocation Fund
    Total expense ratio (Direct)0.89%0.65%
    Base expense ratio (Direct)0.73%0.38%
    Total expense ratio (Regular)2.04%1.67%
    Base expense ratio (Regular)1.71%1.25%

    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

    Baroda BNP Paribas Multi Asset Fund vs WhiteOak Capital Multi Asset Allocation Fund: Frequently Asked Questions

    What is the difference between Baroda BNP Paribas Multi Asset Fund and WhiteOak Capital Multi Asset Allocation Fund?

    Both are Multi Asset funds, run by Baroda BNP Paribas Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 15.7%. Baroda BNP Paribas Multi Asset Fund charges 0.89% a year and WhiteOak Capital Multi Asset Allocation Fund 0.65%.

    Which has given higher returns, Baroda BNP Paribas Multi Asset Fund or WhiteOak Capital Multi Asset Allocation Fund?

    Over 1 year: Baroda BNP Paribas Multi Asset Fund −0.27%, WhiteOak Capital Multi Asset Allocation Fund +6.03%. Over 3 years: Baroda BNP Paribas Multi Asset Fund +13.33% a year, WhiteOak Capital Multi Asset Allocation Fund +16.11% a year. As on 30-10-2026. Past returns do not promise future returns.

    Which has the lower expense ratio, Baroda BNP Paribas Multi Asset Fund or WhiteOak Capital Multi Asset Allocation Fund?

    WhiteOak Capital Multi Asset Allocation Fund charges less: 0.65% a year against 0.89%. These are the Direct plans' total expense ratios reported to AMFI.

    How much do Baroda BNP Paribas Multi Asset Fund and WhiteOak Capital Multi Asset Allocation Fund overlap?

    15.7%. They hold 31 of the same securities, the largest shared ones being ICICIBANK, BHARTIARTL, HDFCBANK. From each fund's latest monthly portfolio.

    Which is better for SIP, Baroda BNP Paribas Multi Asset Fund or WhiteOak Capital Multi Asset Allocation Fund?

    Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹4,07,689 in Baroda BNP Paribas Multi Asset Fund (XIRR 6.2% a year) and ₹4,45,439 in WhiteOak Capital Multi Asset Allocation Fund (XIRR 12.1% a year). Both received 37 instalments. Past returns do not promise future returns.

    Can I invest in both Baroda BNP Paribas Multi Asset Fund and WhiteOak Capital Multi Asset Allocation Fund?

    Yes. 15.7% of each fund's money sits in the same holdings, so some of the two investments would move together.

    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.

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