LIC MF Technology Fund vs WhiteOak Capital Digital Bharat Fund
Direct Plan, Growth option · Data as on 30-10-2026
LIC MF Technology Fund is a Thematic fund and WhiteOak Capital Digital Bharat Fund is a Sectoral fund. LIC MF Technology Fund charges 1.07% a year and WhiteOak Capital Digital Bharat Fund 1.37% (Direct plans). Their portfolios overlap 41.9%: they hold 11 of the same securities.
WhiteOak Capital Digital Bharat Fund
Sectoral
- Expense ratio
- 1.37%
- NAV
- ₹10.54
Which is better, LIC MF 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.
- LIC MF Technology costs less: 1.07% a year against 1.37% (Direct plans).
- LIC MF Technology fell less in its worst fall since 19-03-2026: −6.8% against −9.8%.
- WhiteOak Capital Digital Bharat is the larger fund: ₹474 Cr against ₹90 Cr.
- Their portfolios overlap 41.9%: 11 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 | LIC MF Technology Fund | WhiteOak Capital Digital Bharat Fund |
|---|---|---|
| Fund house | LIC Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Thematic | Sectoral |
| AUM | ₹90 Cr (30-09-2026) | ₹474 Cr (30-09-2026) |
| NAV | ₹11.33 (Direct) | ₹10.54 (Direct) |
| Expense ratio (Direct) | 1.07% | 1.37% |
| Expense ratio (Regular) | 2.81% | 3.13% |
| Riskometer | Very High | Very High |
| Benchmark | BSE Teck TRI | BSE Teck TRI |
| Launch date | 13-03-2026 | 11-10-2024 |
| Minimum investment | ₹1,000 | ₹500 |
| Lock in | None | None |
| Fund managers | Sumit Bhatnagar, Siddharth Panjwani | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | Exit Load for units in excess of 12% of the investment,1% will be charged for redemption within 90 days. | Nil |
LIC MF 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 |
|---|---|---|---|---|---|---|---|
| LIC MF Technology Fund (Direct) | +5.11% | +1.54% | +8.31% | -- | -- | -- | -- |
| WhiteOak Capital Digital Bharat Fund (Direct) | +7.03% | −0.40% | +15.29% | −3.77% | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
| 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.
LIC MF Technology vs WhiteOak Capital Digital Bharat: Year-wise Returns
| Year | LIC MF TechnologyLIC MF Technology | WhiteOak Capital Digital BharatWhiteOak Capital Digital Bharat | BSE TECK TRI |
|---|---|---|---|
| 2026to date | -- | −3.35% | −11.48% |
| 2025 | -- | +1.81% | −3.10% |
LIC MF Technology vs WhiteOak Capital Digital Bharat: Rolling Returns
Every holding period of both funds, against BSE TECK TRI, the benchmark of both
LIC MF 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 | LIC MF Technology Fund (Direct) | WhiteOak Capital Digital Bharat Fund (Direct) |
|---|---|---|
| Return (CAGR) | +22.17% | +2.35% |
| Standard deviation | 12.78% | 18.82% |
| Sharpe ratio | 1.32 | -0.18 |
| Sortino ratio | 1.95 | -0.25 |
| Maximum drawdown | −6.8% (30-09-2026) | −25.5% (23-03-2026) |
| Beta | 0.53 | 0.82 |
| Alpha | +9.83% | +7.99% |
From daily NAVs, 19-03-2026 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.
LIC MF 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 |
|---|---|---|---|---|---|---|
| LIC MF Technology Fund (Direct) | −6.8% | 28-08-2026 | 30-09-2026 | Not yet | -- | −2.1% |
| WhiteOak Capital Digital Bharat Fund (Direct) | −9.8% | 28-08-2026 | 01-10-2026 | Not yet | -- | −3.2% |
| BSE TECK TRI | −11.5% | 08-04-2026 | 01-07-2026 | 29-07-2026 | 28 days | 0.0% |
From daily values since 19-03-2026, the first day every fund has.
LIC MF Technology vs WhiteOak Capital Digital Bharat: Portfolio Overlap
From each fund's latest monthly portfolio: LIC MF Technology Fund, September 2026; WhiteOak Capital Digital Bharat Fund, September 2026
Holdings in common
- Overlap
- 41.9%
- Held by both
- 11
- Only in LIC MF Technology
- 19
- Only in WhiteOak Capital Digital Bharat
- 30
| Security | % of LIC MF Technology | % of WhiteOak Capital Digital Bharat |
|---|---|---|
| Bharti Airtel Ltd. | 9.04% | 17.84% |
| Persistent Systems Ltd. | 6.48% | 6.13% |
| Eternal Ltd. | 5.51% | 8.24% |
| Tech Mahindra Ltd. | 5.10% | 6.14% |
| Infosys Ltd. | 7.38% | 3.95% |
| Coforge Ltd. | 3.01% | 6.15% |
| Tata Consultancy Services Ltd. | 4.79% | 2.86% |
| Lenskart Solutions Ltd. | 2.44% | 2.29% |
| FSN E-Commerce Ventures Ltd. | 2.23% | 2.26% |
| Cartrade Tech Ltd. | 1.51% | 1.98% |
| PB Fintech Ltd. | 1.30% | 0.25% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 41.9% means 41.9% 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 LIC MF Technology Fund
| Security | % of fund |
|---|---|
| Rategain Travel Technologies Ltd. | 3.98% |
| Tata Communications Ltd. | 3.63% |
| Multi Commodity Exchange Of India Ltd. | 3.63% |
| Mphasis Ltd. | 2.87% |
| Delhivery Ltd. | 2.73% |
Largest holdings only in WhiteOak Capital Digital Bharat Fund
| Security | % of fund |
|---|---|
| Info Edge (India) Limited | 4.25% |
| eClerx Services Limited | 3.31% |
| Firstsource Solutions Limited | 2.72% |
| Sagility Limited | 2.60% |
| Fractal Analytics Ltd | 2.56% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | LIC MF Technology | WhiteOak Capital Digital Bharat |
|---|---|---|
| Equity | 87.6% | 90.9% |
| Debt | 0.0% | 7.5% |
| Cash and others | 12.4% | 1.6% |
Market cap of stocks
| Market cap | LIC MF Technology | WhiteOak Capital Digital Bharat |
|---|---|---|
| Large Cap | 38.5% | 43.1% |
| Mid Cap | 35.2% | 23.1% |
| Small Cap | 13.5% | 24.8% |
| Not on AMFI's list | 0.4% | 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 | LIC MF Technology | WhiteOak Capital Digital Bharat |
|---|---|---|
| IT - Software | 33.6% | 34.7% |
| Telecom - Services | 14.3% | 19.4% |
| Retailing | 11.7% | 19.0% |
| Capital Markets | 6.6% | 1.8% |
| Electrical Equipment | 6.4% | 0.0% |
| Commercial Services & Supplies | 0.0% | 6.0% |
| IT - Services | 3.6% | 3.4% |
| Industrial Products | 2.4% | 2.1% |
The six largest sectors of each fund's stocks, % of the fund.
LIC MF Technology vs WhiteOak Capital Digital Bharat: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | LIC MF Technology Fund | WhiteOak Capital Digital Bharat Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.07% | 1.37% |
| Base expense ratio (Direct) | 0.62% | 0.61% |
| Total expense ratio (Regular) | 2.81% | 3.13% |
| Base expense ratio (Regular) | 2.10% | 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 LIC MF Technology with
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- 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
LIC MF Technology Fund vs WhiteOak Capital Digital Bharat Fund: Frequently Asked Questions
What is the difference between LIC MF Technology Fund and WhiteOak Capital Digital Bharat Fund?
LIC MF Technology Fund is a Thematic fund, WhiteOak Capital Digital Bharat Fund is a Sectoral fund, run by LIC Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 41.9%. LIC MF Technology Fund charges 1.07% a year and WhiteOak Capital Digital Bharat Fund 1.37%.
Which has the lower expense ratio, LIC MF Technology Fund or WhiteOak Capital Digital Bharat Fund?
LIC MF Technology Fund charges less: 1.07% a year against 1.37%. These are the Direct plans' total expense ratios reported to AMFI.
How much do LIC MF Technology Fund and WhiteOak Capital Digital Bharat Fund overlap?
41.9%. They hold 11 of the same securities, the largest shared ones being BHARTIARTL, PERSISTENT, ETERNAL. From each fund's latest monthly portfolio.
Which is riskier, LIC MF Technology Fund or WhiteOak Capital Digital Bharat Fund?
On SEBI's riskometer, LIC MF Technology Fund is rated Very High and WhiteOak Capital Digital Bharat Fund Very High. Over their common history, the standard deviation of daily returns was 12.78% and 18.82% a year.
Can I invest in both LIC MF Technology Fund and WhiteOak Capital Digital Bharat Fund?
Yes. 41.9% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages LIC MF Technology Fund and WhiteOak Capital Digital Bharat Fund?
LIC MF Technology Fund: Sumit Bhatnagar, Siddharth Panjwani. 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.