Kotak Technology Fund vs WhiteOak Capital Digital Bharat Fund
Direct Plan, Growth option · Data as on 29-10-2026
Kotak Technology Fund is a Thematic fund and WhiteOak Capital Digital Bharat Fund is a Sectoral fund. In the year to 30-10-2026, Kotak Technology Fund (Direct) returned −7.3% and WhiteOak Capital Digital Bharat Fund (Direct) returned −3.8%. Kotak Technology Fund charges 1.13% a year and WhiteOak Capital Digital Bharat Fund 1.37% (Direct plans). Their portfolios overlap 52.6%: they hold 15 of the same securities.
WhiteOak Capital Digital Bharat Fund
Sectoral
- 1 year return
- −3.8%
- Expense ratio
- 1.37%
- NAV
- ₹10.54
Which is better, Kotak Technology or WhiteOak Capital Digital Bharat? 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 Digital Bharat returned more over 1 year: −3.8% against −7.3%.
- Kotak Technology costs less: 1.13% a year against 1.37% (Direct plans).
- WhiteOak Capital Digital Bharat fell less in its worst fall since 14-10-2024: −25.5% against −28.6%.
- Kotak Technology holds 3.2% of the fund in foreign stocks; WhiteOak Capital Digital Bharat 0.0%.
- Kotak Technology is the larger fund: ₹479 Cr against ₹474 Cr.
- Their portfolios overlap 52.6%: 15 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 | Kotak Technology Fund | WhiteOak Capital Digital Bharat Fund |
|---|---|---|
| Fund house | Kotak Mahindra Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Thematic | Sectoral |
| AUM | ₹479 Cr (30-09-2026) | ₹474 Cr (30-09-2026) |
| NAV | ₹11.08 (Direct) | ₹10.54 (Direct) |
| Expense ratio (Direct) | 1.13% | 1.37% |
| Expense ratio (Regular) | 2.56% | 3.13% |
| Riskometer | Very High | Very High |
| Benchmark | BSE Teck TRI | BSE Teck TRI |
| Launch date | 04-03-2024 | 11-10-2024 |
| Minimum investment | Rs. 100/- and any amount thereafter | ₹500 |
| Lock in | None | None |
| Fund managers | Shibani Kurian, Abhishek Bisen | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | 0.5% for redemption within 30 Days | Nil |
Kotak Technology vs WhiteOak Capital Digital Bharat: 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 |
|---|---|---|---|---|---|---|---|
| Kotak Technology Fund (Direct) | +8.04% | +2.07% | +10.38% | −7.34% | -- | -- | -- |
| WhiteOak Capital Digital Bharat Fund (Direct) | +7.03% | −0.40% | +15.29% | −3.77% | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | -- | -- | -- |
| Sectoral average | −1.70% | −4.49% | +2.30% | −0.58% | -- | -- | -- |
Category average: the average of the 235 Thematic funds and the 20 Sectoral funds, same plan type.
Kotak Technology vs WhiteOak Capital Digital Bharat: Year-wise Returns
| Year | Kotak TechnologyKotak Technology | WhiteOak Capital Digital BharatWhiteOak Capital Digital Bharat | BSE TECK TRI |
|---|---|---|---|
| 2026to date | −8.84% | −3.35% | −12.44% |
| 2025 | −4.38% | +1.81% | −3.10% |
Kotak Technology vs WhiteOak Capital Digital Bharat: Rolling Returns
Every holding period of both funds, against BSE TECK TRI, the benchmark of both
Rolling returns
Every 1-year holding period, 257 of them, one for each trading day from 14-10-2025 to 29-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Kotak Technology Fund (Direct)
WhiteOak Capital Digital Bharat Fund (Direct)
BSE TECK TRI
to
Nov 2025Jan 2025
to
Jan 2026Mar 2025
to
Mar 2026May 2025
to
May 2026Jul 2025
to
Jul 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kotak Technology | 98.4 | 1.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | −8.3% | −7.8% | −22.1% | 1.6% | 79% |
| WhiteOak Capital Digital Bharat | 47.7 | 31.3 | 11.7 | 7.8 | 1.6 | 0.0 | 0.0 | 0.7% | 0.6% | −12.4% | 17.0% | 100% |
| BSE TECK TRI | 99.2 | 0.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | −9.6% | −9.4% | −24.5% | 1.0% | -- |
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 BSE TECK 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 14-10-2024. Past returns do not promise future returns.
Kotak Technology vs WhiteOak Capital Digital Bharat: 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 01-10-2024 to 29-10-2026: 25 instalments, ₹2,50,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Kotak TechnologyKotak Technology Fund (Direct) | ₹2,50,000 | ₹2,45,996 | −₹4,004 | −1.5% |
| WhiteOak Capital Digital BharatWhiteOak Capital Digital Bharat Fund (Direct) | ₹2,50,000 | ₹2,65,318 | ₹15,318 | 5.6% |
Kotak TechnologyKotak Technology Fund (Direct)
WhiteOak Capital Digital BharatWhiteOak Capital Digital Bharat 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.
Kotak Technology vs WhiteOak Capital Digital Bharat: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Kotak Technology Fund (Direct) | WhiteOak Capital Digital Bharat Fund (Direct) |
|---|---|---|
| Return (CAGR) | −7.34% | −3.77% |
| Standard deviation | 16.94% | 17.27% |
| Sharpe ratio | -0.74 | -0.52 |
| Sortino ratio | -1.00 | -0.72 |
| Maximum drawdown | −24.1% (30-06-2026) | −25.5% (23-03-2026) |
| Beta | 0.86 | 0.77 |
| Alpha | −0.08% | +0.76% |
From daily NAVs, 29-10-2025 to 29-10-2026. 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 | Kotak Technology Fund (Direct) | WhiteOak Capital Digital Bharat Fund (Direct) |
|---|---|---|
| Return (CAGR) | +3.89% | +2.35% |
| Standard deviation | 16.76% | 18.82% |
| Sharpe ratio | -0.12 | -0.18 |
| Sortino ratio | -0.17 | -0.25 |
| Maximum drawdown | −28.6% (30-06-2026) | −25.5% (23-03-2026) |
| Beta | 0.89 | 0.82 |
| Alpha | +3.45% | +7.99% |
From daily NAVs, 07-03-2024 to 29-10-2026. 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.
Kotak Technology Fund (Direct)
WhiteOak Capital Digital Bharat Fund (Direct)
BSE TECK TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Kotak Technology Fund (Direct) | −28.6% | 16-12-2024 | 30-06-2026 | Not yet | -- | −16.9% |
| WhiteOak Capital Digital Bharat Fund (Direct) | −25.5% | 22-12-2025 | 23-03-2026 | Not yet | -- | −6.4% |
| BSE TECK TRI | −31.1% | 13-12-2024 | 01-07-2026 | Not yet | -- | −19.2% |
From daily values since 14-10-2024, 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.
Kotak Technology Fund (Direct)
WhiteOak Capital Digital Bharat Fund (Direct)
BSE TECK TRI
Against BSE TECK TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Kotak Technology Fund (Direct) | 85% | 84% | 6.68% |
| WhiteOak Capital Digital Bharat Fund (Direct) | 103% | 69% | 13.43% |
From month-end values since 14-10-2024. 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.
Kotak Technology vs WhiteOak Capital Digital Bharat: Portfolio Overlap
From each fund's latest monthly portfolio: Kotak Technology Fund, September 2026; WhiteOak Capital Digital Bharat Fund, September 2026
Holdings in common
- Overlap
- 52.6%
- Held by both
- 15
- Only in Kotak Technology
- 10
- Only in WhiteOak Capital Digital Bharat
- 26
| Security | % of Kotak Technology | % of WhiteOak Capital Digital Bharat |
|---|---|---|
| BHARTI AIRTEL LTD. | 11.29% | 17.84% |
| ETERNAL LIMITED | 7.30% | 8.24% |
| Tech Mahindra Ltd. | 7.94% | 6.14% |
| Persistent Systems Limited | 4.61% | 6.13% |
| Coforge Limited | 4.56% | 6.15% |
| Infosys Ltd. | 16.10% | 3.95% |
| LENSKART SOLUTIONS LIMITED | 4.23% | 2.29% |
| HCL Technologies Ltd. | 3.06% | 2.21% |
| SAGILITY INDIA LTD. | 1.85% | 2.60% |
| BILLIONBRAINS GARAGE VENTURES LIMITED (GROWW) | 2.22% | 1.82% |
| TBO TEK LIMITED | 1.94% | 1.73% |
| FSN E-Commerce Ventures Ltd. | 1.66% | 2.26% |
| BHARTI HEXACOM LTD. | 3.73% | 1.55% |
| FIRSTSOURCE SOLUTIONS LTD. | 1.41% | 2.72% |
| Oracle Financial Services Software Ltd | 1.09% | 0.19% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 52.6% means 52.6% 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 Kotak Technology Fund
| Security | % of fund |
|---|---|
| Mphasis Ltd | 4.09% |
| Dixon Technologies India Ltd | 3.20% |
| Indus Towers Ltd. | 3.16% |
| SWIGGY LTD | 3.05% |
| SHIPROCKET LIMITED | 2.34% |
Largest holdings only in WhiteOak Capital Digital Bharat Fund
| Security | % of fund |
|---|---|
| Info Edge (India) Limited | 4.25% |
| eClerx Services Limited | 3.31% |
| Tata Consultancy Services Limited | 2.86% |
| Fractal Analytics Ltd | 2.56% |
| KRN Heat Exchanger And Refrigeration Limited | 2.07% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Kotak Technology | WhiteOak Capital Digital Bharat |
|---|---|---|
| Equity | 98.3% | 90.9% |
| Debt | 0.0% | 7.5% |
| Cash and others | 1.7% | 1.6% |
Market cap of stocks
| Market cap | Kotak Technology | WhiteOak Capital Digital Bharat |
|---|---|---|
| Large Cap | 52.6% | 43.1% |
| Mid Cap | 30.8% | 23.1% |
| Small Cap | 7.6% | 24.8% |
| Foreign stocks | 3.2% | 0.0% |
| Not on AMFI's list | 4.2% | 0.0% |
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 | Kotak Technology | WhiteOak Capital Digital Bharat |
|---|---|---|
| IT - Software | 47.4% | 34.7% |
| Telecom - Services | 18.2% | 19.4% |
| Retailing | 16.2% | 19.0% |
| Commercial Services & Supplies | 0.0% | 6.0% |
| Transport Services | 3.5% | 0.0% |
| IT - Services | 1.9% | 3.4% |
| Commercial Services and Supplies | 3.3% | 0.0% |
| Consumer Durables | 3.2% | 0.0% |
| Industrial Products | 0.0% | 2.1% |
The six largest sectors of each fund's stocks, % of the fund.
Kotak Technology vs WhiteOak Capital Digital Bharat: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Kotak Technology Fund | WhiteOak Capital Digital Bharat Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.13% | 1.37% |
| Base expense ratio (Direct) | 0.88% | 0.61% |
| Total expense ratio (Regular) | 2.56% | 3.13% |
| Base expense ratio (Regular) | 2.09% | 2.10% |
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 Kotak Technology with
Compare WhiteOak Capital Digital Bharat with
- WhiteOak Capital Digital Bharat vs DSP Healthcare
- WhiteOak Capital Digital Bharat vs Nippon India Pharma
- WhiteOak Capital Digital Bharat vs Bandhan Transportation and Logistics
- WhiteOak Capital Digital Bharat vs Nippon India Power & Infra
- WhiteOak Capital Digital Bharat vs Invesco India Financial Services
Kotak Technology Fund vs WhiteOak Capital Digital Bharat Fund: Frequently Asked Questions
What is the difference between Kotak Technology Fund and WhiteOak Capital Digital Bharat Fund?
Kotak Technology Fund is a Thematic fund, WhiteOak Capital Digital Bharat Fund is a Sectoral fund, run by Kotak Mahindra Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 52.6%. Kotak Technology Fund charges 1.13% a year and WhiteOak Capital Digital Bharat Fund 1.37%.
Which has given higher returns, Kotak Technology Fund or WhiteOak Capital Digital Bharat Fund?
Over 1 year: Kotak Technology Fund −7.34%, WhiteOak Capital Digital Bharat Fund −3.77%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Kotak Technology Fund or WhiteOak Capital Digital Bharat Fund?
Kotak Technology Fund charges less: 1.13% a year against 1.37%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Kotak Technology Fund and WhiteOak Capital Digital Bharat Fund overlap?
52.6%. They hold 15 of the same securities, the largest shared ones being BHARTIARTL, ETERNAL, TECHM. From each fund's latest monthly portfolio.
Which is riskier, Kotak Technology Fund or WhiteOak Capital Digital Bharat Fund?
On SEBI's riskometer, Kotak Technology Fund is rated Very High and WhiteOak Capital Digital Bharat Fund Very High. Over 1 years, the standard deviation of daily returns was 16.94% and 17.27% a year.
Can I invest in both Kotak Technology Fund and WhiteOak Capital Digital Bharat Fund?
Yes. 52.6% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Kotak Technology Fund and WhiteOak Capital Digital Bharat Fund?
Kotak Technology Fund: Shibani Kurian, Abhishek Bisen. WhiteOak Capital Digital Bharat 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.