Canara Robeco Short Term Fund vs WhiteOak Capital Equity Savings Fund
Direct Plan, Growth option · Data as on 30-10-2026
Canara Robeco Short Term Fund is a Short Duration fund and WhiteOak Capital Equity Savings Fund is an Equity Savings fund. In the year to 30-10-2026, Canara Robeco Short Term Fund (Direct) returned 4.5% and WhiteOak Capital Equity Savings Fund (Direct) returned 4.3%. Canara Robeco Short Term Fund charges 0.36% a year and WhiteOak Capital Equity Savings Fund 1.51% (Direct plans). Their portfolios overlap 11.0%: they hold 4 of the same securities.
Canara Robeco Short Term Fund
Short Duration
- 1 year return
- 4.5%
- Expense ratio
- 0.36%
- NAV
- ₹29.58
WhiteOak Capital Equity Savings Fund
Equity Savings
- 1 year return
- 4.3%
- Expense ratio
- 1.51%
- NAV
- ₹11.71
Which is better, Canara Robeco Short Term or WhiteOak Capital Equity Savings? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Canara Robeco Short Term returned more over 1 year: 4.5% against 4.3%.
- Canara Robeco Short Term costs less: 0.36% a year against 1.51% (Direct plans).
- Canara Robeco Short Term fell less in its worst fall since 13-03-2025: −0.4% against −3.8%.
- Canara Robeco Short Term is the larger fund: ₹276 Cr against ₹271 Cr.
- Their portfolios overlap 11.0%: 4 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 | Canara Robeco Short Term Fund | WhiteOak Capital Equity Savings Fund |
|---|---|---|
| Fund house | Canara Robeco Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Short Duration | Equity Savings |
| AUM | ₹276 Cr (30-09-2026) | ₹271 Cr (30-09-2026) |
| NAV | ₹29.58 (Direct) | ₹11.71 (Direct) |
| Expense ratio (Direct) | 0.36% | 1.51% |
| Expense ratio (Regular) | 0.99% | 2.99% |
| Riskometer | Low to Moderate | Moderate |
| Benchmark | CRISIL Short Duration Debt A-II Index | Nifty Equity Savings TRI |
| Launch date | 25-04-2011 | 12-03-2025 |
| Minimum investment | ₹5,000 | ₹500 |
| Lock in | None | None |
| Fund managers | Suman Prasad / Mr Avnish Jain | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal, Bhavin Patadia |
| Exit load | Nil | Nil |
Canara Robeco Short Term vs WhiteOak Capital Equity Savings: 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 |
|---|---|---|---|---|---|---|---|
| Canara Robeco Short Term Fund (Direct) | −0.07% | +0.49% | +2.41% | +4.51% | +6.86% | +6.01% | +6.76% |
| WhiteOak Capital Equity Savings Fund (Direct) | +0.01% | −0.36% | +2.93% | +4.28% | -- | -- | -- |
| Short Duration average | −0.14% | +0.30% | +2.50% | +4.11% | +6.88% | +6.62% | +6.89% |
| Equity Savings average | −0.02% | −0.68% | +1.71% | +2.12% | -- | -- | -- |
Category average: the average of the 25 Short Duration funds and the 23 Equity Savings funds, same plan type.
Canara Robeco Short Term vs WhiteOak Capital Equity Savings: Year-wise Returns
| Year | Canara Robeco Short TermCanara Robeco Short Term | WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings |
|---|---|---|
| 2026to date | +3.77% | +2.68% |
| 2025 | +7.53% | -- |
| 2024 | +7.85% | -- |
| 2023 | +6.87% | -- |
| 2022 | +3.51% | -- |
| 2021 | +3.46% | -- |
Canara Robeco Short Term vs WhiteOak Capital Equity Savings: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 152 of them, one for each trading day from 13-03-2026 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.
Canara Robeco Short Term Fund (Direct)
WhiteOak Capital Equity Savings Fund (Direct)
to
Mar 2026May 2025
to
May 2026Jun 2025
to
Jun 2026Jul 2025
to
Jul 2026Sept 2025
to
Sept 2026Oct 2025
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Canara Robeco Short Term | 0.0 | 22.4 | 77.6 | 0.0 | 0.0 | 0.0 | 0.0 | 5.4% | 5.4% | 4.2% | 6.9% |
| WhiteOak Capital Equity Savings | 0.0 | 7.1 | 78.1 | 14.8 | 0.0 | 0.0 | 0.0 | 8.5% | 8.9% | 3.7% | 12.5% |
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 13-03-2025. Past returns do not promise future returns.
Canara Robeco Short Term vs WhiteOak Capital Equity Savings: 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 03-03-2025 to 30-10-2026: 20 instalments, ₹2,00,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Canara Robeco Short TermCanara Robeco Short Term Fund (Direct) | ₹2,00,000 | ₹2,08,434 | ₹8,434 | 4.8% |
| WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings Fund (Direct) | ₹2,00,000 | ₹2,11,300 | ₹11,300 | 6.5% |
Canara Robeco Short TermCanara Robeco Short Term Fund (Direct)
WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings 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.
Canara Robeco Short Term vs WhiteOak Capital Equity Savings: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Canara Robeco Short Term Fund (Direct) | WhiteOak Capital Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +4.51% | +4.28% |
| Standard deviation | 0.85% | 3.74% |
| Sharpe ratio | -0.86 | -0.26 |
| Sortino ratio | -1.14 | -0.35 |
| Maximum drawdown | −0.4% (23-10-2026) | −3.8% (23-03-2026) |
| 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 | Canara Robeco Short Term Fund (Direct) | WhiteOak Capital Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.07% | +10.18% |
| Standard deviation | 1.24% | 3.78% |
| Sharpe ratio | 0.82 | 1.26 |
| Sortino ratio | 1.32 | 1.87 |
| Maximum drawdown | −2.1% (24-03-2020) | −3.8% (23-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 02-01-2013 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.
Canara Robeco Short Term Fund (Direct)
WhiteOak Capital Equity Savings Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Canara Robeco Short Term Fund (Direct) | −0.4% | 06-06-2025 | 13-06-2025 | 03-07-2025 | 20 days | −0.2% |
| WhiteOak Capital Equity Savings Fund (Direct) | −3.8% | 11-02-2026 | 23-03-2026 | 17-06-2026 | 3 months | −1.3% |
From daily values since 13-03-2025, 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.
Canara Robeco Short Term Fund (Direct)
WhiteOak Capital Equity Savings Fund (Direct)
Canara Robeco Short Term vs WhiteOak Capital Equity Savings: Portfolio Overlap
From each fund's latest monthly portfolio: Canara Robeco Short Term Fund, September 2026; WhiteOak Capital Equity Savings Fund, September 2026
Holdings in common
- Overlap
- 11.0%
- Held by both
- 4
- Only in Canara Robeco Short Term
- 13
- Only in WhiteOak Capital Equity Savings
- 132
| Security | % of Canara Robeco Short Term | % of WhiteOak Capital Equity Savings |
|---|---|---|
| 6.28% GOI 2032 (14-JUL-2032) | 5.23% | 5.15% |
| 6.36% GOI 2031 (16-FEB-2031) | 3.55% | 2.90% |
| 6.94% GOI 2036 (11-MAY-2036) | 3.56% | 2.54% |
| 6.48% GOI 2035 (06-OCT-2035) | 1.73% | 0.42% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 11.0% means 11.0% 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 Canara Robeco Short Term Fund
| Security | % of fund |
|---|---|
| 7.74% Hindustan Petroleum Corporation Ltd (02/03/2028) | 9.09% |
| 7.75% Sundaram Finance Ltd (11/12/2026) | 9.06% |
| 7.50% Grasim industries Ltd (10/06/2027) | 9.06% |
| 7.59% REC Ltd (31/05/2027) | 9.05% |
| 7.25% Export-Import Bank Of India (01/02/2027) | 9.05% |
Largest holdings only in WhiteOak Capital Equity Savings Fund
| Security | % of fund |
|---|---|
| ICICI Bank Limited | 9.66% |
| HDFC Bank Limited | 5.84% |
| Vodafone Idea Limited | 4.44% |
| Coforge Limited | 2.80% |
| Nexus Select Trust - REIT | 2.69% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Canara Robeco Short Term | WhiteOak Capital Equity Savings |
|---|---|---|
| Equity | 0.0% | 65.6% |
| Debt | 95.9% | 19.3% |
| Cash and others | 4.1% | 15.1% |
Market cap of stocks
| Market cap | Canara Robeco Short Term | WhiteOak Capital Equity Savings |
|---|---|---|
| Large Cap | -- | 49.5% |
| Mid Cap | -- | 10.3% |
| Small Cap | -- | 4.9% |
| Not on AMFI's list | -- | 0.8% |
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 | Canara Robeco Short Term | WhiteOak Capital Equity Savings |
|---|---|---|
| Banks | 0.0% | 25.1% |
| Telecom - Services | 0.0% | 7.1% |
| IT - Software | 0.0% | 4.1% |
| Finance | 0.0% | 3.9% |
| Automobiles | 0.0% | 2.7% |
| Insurance | 0.0% | 2.6% |
The six largest sectors of each fund's stocks, % of the fund.
Canara Robeco Short Term vs WhiteOak Capital Equity Savings: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Canara Robeco Short Term Fund | WhiteOak Capital Equity Savings Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.36% | 1.51% |
| Base expense ratio (Direct) | 0.31% | 0.75% |
| Total expense ratio (Regular) | 0.99% | 2.99% |
| Base expense ratio (Regular) | 0.85% | 2.00% |
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 Canara Robeco Short Term with
Compare WhiteOak Capital Equity Savings with
Canara Robeco Short Term Fund vs WhiteOak Capital Equity Savings Fund: Frequently Asked Questions
What is the difference between Canara Robeco Short Term Fund and WhiteOak Capital Equity Savings Fund?
Canara Robeco Short Term Fund is a Short Duration fund, WhiteOak Capital Equity Savings Fund is an Equity Savings fund, run by Canara Robeco Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 11.0%. Canara Robeco Short Term Fund charges 0.36% a year and WhiteOak Capital Equity Savings Fund 1.51%.
Which has given higher returns, Canara Robeco Short Term Fund or WhiteOak Capital Equity Savings Fund?
Over 1 year: Canara Robeco Short Term Fund +4.51%, WhiteOak Capital Equity Savings Fund +4.28%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Canara Robeco Short Term Fund or WhiteOak Capital Equity Savings Fund?
Canara Robeco Short Term Fund charges less: 0.36% a year against 1.51%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Canara Robeco Short Term Fund and WhiteOak Capital Equity Savings Fund overlap?
11.0%. They hold 4 of the same securities, the largest shared ones being 6.28% GOI 2032 (14-JUL-2032), 6.36% GOI 2031 (16-FEB-2031), 6.94% GOI 2036 (11-MAY-2036). From each fund's latest monthly portfolio.
Which is riskier, Canara Robeco Short Term Fund or WhiteOak Capital Equity Savings Fund?
On SEBI's riskometer, Canara Robeco Short Term Fund is rated Low to Moderate and WhiteOak Capital Equity Savings Fund Moderate. Over 1 years, the standard deviation of daily returns was 0.85% and 3.74% a year.
Can I invest in both Canara Robeco Short Term Fund and WhiteOak Capital Equity Savings Fund?
Yes. 11.0% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Canara Robeco Short Term Fund and WhiteOak Capital Equity Savings Fund?
Canara Robeco Short Term Fund: Suman Prasad / Mr Avnish Jain. WhiteOak Capital Equity Savings Fund: Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal, Bhavin Patadia.
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.