Invesco India Financial Services Fund vs WhiteOak Capital Pharma and Healthcare Fund
Direct Plan, Growth option · Data as on 30-10-2026
Invesco India Financial Services Fund is a Sectoral fund and WhiteOak Capital Pharma and Healthcare Fund is a Sectoral fund. In the year to 30-10-2026, Invesco India Financial Services Fund (Direct) returned −2.2% and WhiteOak Capital Pharma and Healthcare Fund (Direct) returned 19.5%. Invesco India Financial Services Fund charges 0.96% a year and WhiteOak Capital Pharma and Healthcare Fund 1.07% (Direct plans). Their portfolios overlap 0.0%: they hold 0 of the same securities.
Invesco India Financial Services Fund
Sectoral
- 1 year return
- −2.2%
- Expense ratio
- 0.96%
- NAV
- ₹166.82
WhiteOak Capital Pharma and Healthcare Fund
Sectoral
- 1 year return
- 19.5%
- Expense ratio
- 1.07%
- NAV
- ₹17.44
Which is better, Invesco India Financial Services or WhiteOak Capital Pharma and Healthcare? 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 Pharma and Healthcare returned more over 1 year: 19.5% against −2.2%.
- Invesco India Financial Services costs less: 0.96% a year against 1.07% (Direct plans).
- Invesco India Financial Services fell less in its worst fall since 07-02-2024: −14.9% against −15.4%.
- Invesco India Financial Services holds more in large companies: 53.8% of the fund in large caps against 29.2%.
- Invesco India Financial Services is the larger fund: ₹1,789 Cr against ₹927 Cr.
- Their portfolios overlap 0.0%: 0 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 | Invesco India Financial Services Fund | WhiteOak Capital Pharma and Healthcare Fund |
|---|---|---|
| Fund house | Invesco Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Sectoral | Sectoral |
| AUM | ₹1,789 Cr (30-09-2026) | ₹927 Cr (30-09-2026) |
| NAV | ₹166.82 (Direct) | ₹17.44 (Direct) |
| Expense ratio (Direct) | 0.96% | 1.07% |
| Expense ratio (Regular) | 2.18% | 2.75% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty Financial Services TRI | BSE Healthcare TRI |
| Launch date | 14-07-2008 | 06-02-2024 |
| Minimum investment | Not available | ₹500 |
| Lock in | None | None |
| Fund managers | Hiten Jain, Haresh Kapoor | Ramesh Mantri, Piyush Baranwal, Dheeresh Pathak, Ashish Agrawal, Trupti Agrawal |
| Exit load | Exit load for units in excess of 10% of the investment, 1% will be charged for redemption within 1 year. | Nil |
Invesco India Financial Services vs WhiteOak Capital Pharma and Healthcare: 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 |
|---|---|---|---|---|---|---|---|
| Invesco India Financial Services Fund (Direct) | −0.67% | −5.87% | −1.64% | −2.22% | +15.03% | +12.58% | +14.83% |
| WhiteOak Capital Pharma and Healthcare Fund (Direct) | +0.92% | +1.33% | +17.99% | +19.53% | -- | -- | -- |
| Sectoral average | −1.70% | −4.49% | +2.30% | −0.58% | -- | -- | -- |
Category average: the average of the 20 Sectoral funds, same plan type.
Invesco India Financial Services vs WhiteOak Capital Pharma and Healthcare: Year-wise Returns
| Year | Invesco India Financial ServicesInvesco India Financial Services | WhiteOak Capital Pharma and HealthcareWhiteOak Capital Pharma and Healthcare |
|---|---|---|
| 2026to date | −4.74% | +22.83% |
| 2025 | +16.58% | +1.84% |
| 2024 | +21.45% | -- |
| 2023 | +27.66% | -- |
| 2022 | +14.38% | -- |
| 2021 | +15.62% | -- |
Invesco India Financial Services vs WhiteOak Capital Pharma and Healthcare: Rolling Returns
Every holding period of both funds, against Nifty Financial Services TRI, the benchmark of Invesco India Financial Services Fund
Rolling returns
Every 1-year holding period, 424 of them, one for each trading day from 07-02-2025 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.
Invesco India Financial Services Fund (Direct)
WhiteOak Capital Pharma and Healthcare Fund (Direct)
Nifty Financial Services TRI
to
Mar 2025Jul 2024
to
Jul 2025Oct 2024
to
Oct 2025Feb 2025
to
Feb 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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Invesco India Financial Services | 1.7 | 8.0 | 30.9 | 25.0 | 22.2 | 7.3 | 5.0 | 12.5% | 12.0% | −3.9% | 30.1% | 48% |
| WhiteOak Capital Pharma and Healthcare | 0.0 | 6.6 | 14.9 | 16.3 | 18.6 | 19.3 | 24.3 | 18.0% | 18.4% | 0.6% | 35.5% | 73% |
| Nifty Financial Services TRI | 20.5 | 14.2 | 5.0 | 18.4 | 23.3 | 17.2 | 1.4 | 10.5% | 13.6% | −10.9% | 26.9% | -- |
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. The benchmark is Nifty Financial Services TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 07-02-2024. Past returns do not promise future returns.
Invesco India Financial Services vs WhiteOak Capital Pharma and Healthcare: 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 01-02-2024 to 30-10-2026: 33 instalments, ₹3,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Invesco India Financial ServicesInvesco India Financial Services Fund (Direct) | ₹3,30,000 | ₹3,55,010 | ₹25,010 | 5.3% |
| WhiteOak Capital Pharma and HealthcareWhiteOak Capital Pharma and Healthcare Fund (Direct) | ₹3,30,000 | ₹4,37,625 | ₹1,07,625 | 21.2% |
Invesco India Financial ServicesInvesco India Financial Services Fund (Direct)
WhiteOak Capital Pharma and HealthcareWhiteOak Capital Pharma and Healthcare 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.
Invesco India Financial Services vs WhiteOak Capital Pharma and Healthcare: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Invesco India Financial Services Fund (Direct) | WhiteOak Capital Pharma and Healthcare Fund (Direct) |
|---|---|---|
| Return (CAGR) | −2.22% | +19.53% |
| Standard deviation | 17.82% | 13.75% |
| Sharpe ratio | -0.42 | 1.04 |
| Sortino ratio | -0.59 | 1.57 |
| Maximum drawdown | −14.7% (30-03-2026) | −9.8% (23-10-2026) |
| Beta | 0.97 | 0.97 |
| Alpha | +6.17% | +7.36% |
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 | Invesco India Financial Services Fund (Direct) | WhiteOak Capital Pharma and Healthcare Fund (Direct) |
|---|---|---|
| Return (CAGR) | +14.95% | +22.30% |
| Standard deviation | 19.99% | 14.35% |
| Sharpe ratio | 0.45 | 1.14 |
| Sortino ratio | 0.62 | 1.62 |
| Maximum drawdown | −42.4% (23-03-2020) | −15.4% (28-02-2025) |
| Beta | 0.91 | 0.97 |
| Alpha | +2.67% | +7.59% |
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.
Invesco India Financial Services Fund (Direct)
WhiteOak Capital Pharma and Healthcare Fund (Direct)
Nifty Financial Services TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Invesco India Financial Services Fund (Direct) | −14.9% | 10-12-2024 | 03-03-2025 | 19-05-2025 | 3 months | −8.6% |
| WhiteOak Capital Pharma and Healthcare Fund (Direct) | −15.4% | 02-01-2025 | 28-02-2025 | 14-07-2025 | 4 months | −3.0% |
| Nifty Financial Services TRI | −17.3% | 18-02-2026 | 30-03-2026 | Not yet | -- | −12.4% |
From daily values since 07-02-2024, 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.
Invesco India Financial Services Fund (Direct)
WhiteOak Capital Pharma and Healthcare Fund (Direct)
Nifty Financial Services TRI
Against Nifty Financial Services TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Invesco India Financial Services Fund (Direct) | 104% | 94% | 6.43% |
| WhiteOak Capital Pharma and Healthcare Fund (Direct) | 113% | 38% | 15.80% |
From month-end values since 07-02-2024. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Invesco India Financial Services vs WhiteOak Capital Pharma and Healthcare: Portfolio Overlap
From each fund's latest monthly portfolio: Invesco India Financial Services Fund, September 2026; WhiteOak Capital Pharma and Healthcare Fund, September 2026
Holdings in common
- Overlap
- 0.0%
- Held by both
- 0
- Only in Invesco India Financial Services
- 34
- Only in WhiteOak Capital Pharma and Healthcare
- 59
Overlap: for each holding both funds own, the smaller of its two weights, added up. 0.0% means 0.0% 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 Invesco India Financial Services Fund
| Security | % of fund |
|---|---|
| ICICI Bank Limited | 12.84% |
| Axis Bank Limited | 6.95% |
| HDFC Bank Limited | 5.98% |
| Karur Vysya Bank Limited | 5.13% |
| Multi Commodity Exchange of India Limited | 4.63% |
Largest holdings only in WhiteOak Capital Pharma and Healthcare Fund
| Security | % of fund |
|---|---|
| Divi's Laboratories Limited | 8.36% |
| Sun Pharmaceutical Industries Limited | 7.11% |
| Torrent Pharmaceuticals Limited | 6.26% |
| Laurus Labs Limited | 3.91% |
| Apollo Hospitals Enterprise Limited | 3.75% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Invesco India Financial Services | WhiteOak Capital Pharma and Healthcare |
|---|---|---|
| Equity | 95.7% | 90.7% |
| Debt | 0.0% | 3.1% |
| Cash and others | 4.3% | 6.1% |
Market cap of stocks
| Market cap | Invesco India Financial Services | WhiteOak Capital Pharma and Healthcare |
|---|---|---|
| Large Cap | 53.8% | 29.2% |
| Mid Cap | 15.6% | 21.7% |
| Small Cap | 24.2% | 37.5% |
| Not on AMFI's list | 2.2% | 2.4% |
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
| Sector | Invesco India Financial Services | WhiteOak Capital Pharma and Healthcare |
|---|---|---|
| Pharmaceuticals & Biotechnology | 0.0% | 61.2% |
| Banks | 45.3% | 0.0% |
| Capital Markets | 26.1% | 0.0% |
| Healthcare Services | 0.0% | 23.0% |
| Finance | 17.0% | 0.0% |
| Insurance | 5.5% | 0.0% |
| Chemicals & Petrochemicals | 0.0% | 3.3% |
| Financial Technology (Fintech) | 1.9% | 0.0% |
| Consumer Durables | 0.0% | 1.8% |
| Healthcare Equipment & Supplies | 0.0% | 1.4% |
The six largest sectors of each fund's stocks, % of the fund.
Invesco India Financial Services vs WhiteOak Capital Pharma and Healthcare: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Invesco India Financial Services Fund | WhiteOak Capital Pharma and Healthcare Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.96% | 1.07% |
| Base expense ratio (Direct) | 0.71% | 0.54% |
| Total expense ratio (Regular) | 2.18% | 2.75% |
| Base expense ratio (Regular) | 1.78% | 1.96% |
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
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Invesco India Financial Services Fund vs WhiteOak Capital Pharma and Healthcare Fund: Frequently Asked Questions
What is the difference between Invesco India Financial Services Fund and WhiteOak Capital Pharma and Healthcare Fund?
Invesco India Financial Services Fund is a Sectoral fund, WhiteOak Capital Pharma and Healthcare Fund is a Sectoral fund, run by Invesco Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 0.0%. Invesco India Financial Services Fund charges 0.96% a year and WhiteOak Capital Pharma and Healthcare Fund 1.07%.
Which has given higher returns, Invesco India Financial Services Fund or WhiteOak Capital Pharma and Healthcare Fund?
Over 1 year: Invesco India Financial Services Fund −2.22%, WhiteOak Capital Pharma and Healthcare Fund +19.53%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Invesco India Financial Services Fund or WhiteOak Capital Pharma and Healthcare Fund?
Invesco India Financial Services Fund charges less: 0.96% a year against 1.07%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Invesco India Financial Services Fund and WhiteOak Capital Pharma and Healthcare Fund overlap?
0.0%. They hold 0 of the same securities. From each fund's latest monthly portfolio.
Which is riskier, Invesco India Financial Services Fund or WhiteOak Capital Pharma and Healthcare Fund?
On SEBI's riskometer, Invesco India Financial Services Fund is rated Very High and WhiteOak Capital Pharma and Healthcare Fund Very High. Over 1 years, the standard deviation of daily returns was 17.82% and 13.75% a year.
Can I invest in both Invesco India Financial Services Fund and WhiteOak Capital Pharma and Healthcare Fund?
Yes. 0.0% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages Invesco India Financial Services Fund and WhiteOak Capital Pharma and Healthcare Fund?
Invesco India Financial Services Fund: Hiten Jain, Haresh Kapoor. WhiteOak Capital Pharma and Healthcare Fund: Ramesh Mantri, Piyush Baranwal, Dheeresh Pathak, Ashish Agrawal, Trupti 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.