Motilal Oswal Balanced Advantage Fund vs WhiteOak Capital Balanced Advantage Fund
Direct Plan, Growth option · Data as on 30-10-2026
Motilal Oswal Balanced Advantage Fund and WhiteOak Capital Balanced Advantage Fund are both Balanced Advantage funds. In the 3 years to 30-10-2026, Motilal Oswal Balanced Advantage Fund (Direct) returned 2.7% a year and WhiteOak Capital Balanced Advantage Fund (Direct) returned 11.4% a year. Motilal Oswal Balanced Advantage Fund charges 1.55% a year and WhiteOak Capital Balanced Advantage Fund 0.84% (Direct plans). Their portfolios overlap 13.7%: they hold 14 of the same securities.
Motilal Oswal Balanced Advantage Fund
Balanced Advantage
- 3 year return
- 2.7%
- Expense ratio
- 1.55%
- NAV
- ₹21.74
WhiteOak Capital Balanced Advantage Fund
Balanced Advantage
- 3 year return
- 11.4%
- Expense ratio
- 0.84%
- NAV
- ₹15.21
Which is better, Motilal Oswal Balanced Advantage or WhiteOak Capital Balanced Advantage? 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 Balanced Advantage returned more over 3 years: 11.4% a year against 2.7%.
- WhiteOak Capital Balanced Advantage returned more over 1 year: −0.6% against −4.4%.
- WhiteOak Capital Balanced Advantage costs less: 0.84% a year against 1.55% (Direct plans).
- WhiteOak Capital Balanced Advantage swung less over 3 years: a standard deviation of 8.3% a year against 12.3%.
- WhiteOak Capital Balanced Advantage fell less in its worst fall since 13-02-2023: −9.6% against −26.5%.
- WhiteOak Capital Balanced Advantage holds more in large companies: 45.8% of the fund in large caps against 35.0%.
- WhiteOak Capital Balanced Advantage is the larger fund: ₹2,256 Cr against ₹712 Cr.
- Their portfolios overlap 13.7%: 14 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 | Motilal Oswal Balanced Advantage Fund | WhiteOak Capital Balanced Advantage Fund |
|---|---|---|
| Fund house | Motilal Oswal Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Balanced Advantage | Balanced Advantage |
| AUM | ₹712 Cr (30-09-2026) | ₹2,256 Cr (30-09-2026) |
| NAV | ₹21.74 (Direct) | ₹15.21 (Direct) |
| Expense ratio (Direct) | 1.55% | 0.84% |
| Expense ratio (Regular) | 2.81% | 2.25% |
| Riskometer | Very High | Very High |
| Benchmark | NIFTY 50 Hybrid Composite Debt 65:35 Index | CRISIL Hybrid 50+50 - Moderate Index |
| Launch date | 27-09-2016 | 10-02-2023 |
| Minimum investment | ₹500 | ₹500 |
| Lock in | None | None |
| Fund managers | Sandeep Jain, Ankit Agarwal, Varun Sharma, Ajay Khandelwal, Atul Mehra, Rakesh Shetty, Swapnil Mayekar | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | 1% - If redeemed on or before 365 days from the date of allotment. Nil - If redeemed after 365 days from the date of allotment. | Nil |
Motilal Oswal Balanced Advantage vs WhiteOak Capital Balanced Advantage: 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 |
|---|---|---|---|---|---|---|---|
| Motilal Oswal Balanced Advantage Fund (Direct) | +0.24% | +1.94% | +8.19% | −4.37% | +2.71% | +5.58% | +7.96% |
| WhiteOak Capital Balanced Advantage Fund (Direct) | −0.45% | −2.43% | +2.18% | −0.57% | +11.37% | -- | -- |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | -- | -- |
Category average: the average of the 38 Balanced Advantage funds, same plan type.
Motilal Oswal Balanced Advantage vs WhiteOak Capital Balanced Advantage: Year-wise Returns
| Year | Motilal OswalMotilal Oswal Balanced Advantage | WhiteOak CapitalWhiteOak Capital Balanced Advantage |
|---|---|---|
| 2026to date | +1.00% | −0.97% |
| 2025 | −5.86% | +8.62% |
| 2024 | +10.76% | +18.70% |
| 2023 | +25.60% | -- |
| 2022 | +0.14% | -- |
| 2021 | +8.74% | -- |
Motilal Oswal Balanced Advantage vs WhiteOak Capital Balanced Advantage: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 174 of them, one for each trading day from 13-02-2026 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.
Motilal Oswal Balanced Advantage Fund (Direct)
WhiteOak Capital Balanced Advantage Fund (Direct)
to
Mar 2026Apr 2023
to
Apr 2026Jun 2023
to
Jun 2026Jul 2023
to
Jul 2026Aug 2023
to
Aug 2026Oct 2023
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Motilal Oswal Balanced Advantage | 0.0 | 46.6 | 53.4 | 0.0 | 0.0 | 0.0 | 0.0 | 5.2% | 5.6% | 1.6% | 8.3% |
| WhiteOak Capital Balanced Advantage | 0.0 | 0.0 | 0.0 | 94.3 | 5.7 | 0.0 | 0.0 | 12.8% | 12.7% | 10.7% | 15.5% |
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 13-02-2023. Past returns do not promise future returns.
Motilal Oswal Balanced Advantage vs WhiteOak Capital Balanced Advantage: 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 01-02-2023 to 30-10-2026: 45 instalments, ₹4,50,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Motilal Oswal Balanced AdvantageMotilal Oswal Balanced Advantage Fund (Direct) | ₹4,50,000 | ₹4,75,861 | ₹25,861 | 2.9% |
| WhiteOak Capital Balanced AdvantageWhiteOak Capital Balanced Advantage Fund (Direct) | ₹4,50,000 | ₹5,23,912 | ₹73,912 | 8.1% |
Motilal Oswal Balanced AdvantageMotilal Oswal Balanced Advantage Fund (Direct)
WhiteOak Capital Balanced AdvantageWhiteOak Capital Balanced Advantage 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.
Motilal Oswal Balanced Advantage vs WhiteOak Capital Balanced Advantage: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Motilal Oswal Balanced Advantage Fund (Direct) | WhiteOak Capital Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | −4.37% | −0.57% |
| Standard deviation | 11.56% | 8.98% |
| Sharpe ratio | -0.83 | -0.65 |
| Sortino ratio | -1.12 | -0.87 |
| Maximum drawdown | −17.7% (30-03-2026) | −9.6% (30-03-2026) |
| 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 | Motilal Oswal Balanced Advantage Fund (Direct) | WhiteOak Capital Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | +2.71% | +11.37% |
| Standard deviation | 12.29% | 8.34% |
| Sharpe ratio | -0.27 | 0.64 |
| Sortino ratio | -0.36 | 0.88 |
| Maximum drawdown | −26.5% (28-02-2025) | −9.6% (30-03-2026) |
| 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.
| Measure | Motilal Oswal Balanced Advantage Fund (Direct) | WhiteOak Capital Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.96% | +12.11% |
| Standard deviation | 11.21% | 7.79% |
| Sharpe ratio | 0.23 | 0.76 |
| Sortino ratio | 0.31 | 1.06 |
| Maximum drawdown | −26.5% (28-02-2025) | −9.6% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 28-09-2016 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.
Motilal Oswal Balanced Advantage Fund (Direct)
WhiteOak Capital Balanced Advantage Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Motilal Oswal Balanced Advantage Fund (Direct) | −26.5% | 05-09-2024 | 28-02-2025 | Not yet | -- | −15.1% |
| WhiteOak Capital Balanced Advantage Fund (Direct) | −9.6% | 20-11-2025 | 30-03-2026 | 06-07-2026 | 3 months | −4.2% |
From daily values since 13-02-2023, 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 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Motilal Oswal Balanced Advantage Fund (Direct)
WhiteOak Capital Balanced Advantage Fund (Direct)
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.
Motilal Oswal Balanced Advantage Fund (Direct)
WhiteOak Capital Balanced Advantage Fund (Direct)
Motilal Oswal Balanced Advantage vs WhiteOak Capital Balanced Advantage: Portfolio Overlap
From each fund's latest monthly portfolio: Motilal Oswal Balanced Advantage Fund, September 2026; WhiteOak Capital Balanced Advantage Fund, September 2026
Holdings in common
- Overlap
- 13.7%
- Held by both
- 14
- Only in Motilal Oswal Balanced Advantage
- 17
- Only in WhiteOak Capital Balanced Advantage
- 126
| Security | % of Motilal Oswal Balanced Advantage | % of WhiteOak Capital Balanced Advantage |
|---|---|---|
| Coforge Limited | 4.06% | 2.47% |
| Eternal Limited | 3.55% | 1.94% |
| Kotak Mahindra Bank Ltd | 4.35% | 1.88% |
| Torrent Pharmaceuticals Limited | 3.15% | 1.39% |
| Titan Company Limited | 2.10% | 1.35% |
| 7.88% Muthoot Finance Limited 2028 | 3.45% | 1.09% |
| Axis Bank Limited | 3.45% | 0.96% |
| Larsen & Toubro Limited | 2.80% | 0.71% |
| Kusumgar Limited | 2.93% | 0.54% |
| Lenskart Solutions Limited | 3.28% | 0.47% |
| Mankind Pharma Limited | 1.36% | 0.37% |
| Billionbrains Garage Ventures Ltd | 2.11% | 0.27% |
| ICICI Prudential Asset Management Company Limited | 3.51% | 0.14% |
| Manipal Health Enterprises Ltd | 1.59% | 0.12% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 13.7% means 13.7% 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 Motilal Oswal Balanced Advantage Fund
| Security | % of fund |
|---|---|
| 7.4091% HDB Financial Services Limited 2028 | 3.47% |
| 7.3763% Bajaj Finance Limited 2028 | 3.47% |
| 7.1554% Kotak Mahindra Prime Limited 2028 | 3.46% |
| 7.12% Tata Capital Limited 2028 | 3.44% |
| Diamond Power Infrastructure Ltd. | 3.29% |
Largest holdings only in WhiteOak Capital Balanced Advantage Fund
| Security | % of fund |
|---|---|
| ICICI Bank Limited | 6.97% |
| HDFC Bank Limited | 3.93% |
| Bharti Airtel Limited | 2.87% |
| Embassy Office Parks REIT | 2.82% |
| Nexus Select Trust - REIT | 2.71% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Motilal Oswal Balanced Advantage | WhiteOak Capital Balanced Advantage |
|---|---|---|
| Equity | 68.5% | 66.1% |
| Debt | 17.3% | 17.2% |
| Cash and others | 14.2% | 16.7% |
Market cap of stocks
| Market cap | Motilal Oswal Balanced Advantage | WhiteOak Capital Balanced Advantage |
|---|---|---|
| Large Cap | 35.0% | 45.8% |
| Mid Cap | 18.5% | 7.4% |
| Small Cap | 6.2% | 8.9% |
| Not on AMFI's list | 8.8% | 4.0% |
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 | Motilal Oswal Balanced Advantage | WhiteOak Capital Balanced Advantage |
|---|---|---|
| Banks | 11.0% | 15.6% |
| Electrical Equipment | 8.1% | 1.5% |
| Consumer Durables | 7.5% | 2.6% |
| Retailing | 6.8% | 3.0% |
| IT - Software | 4.1% | 5.8% |
| Capital Markets | 5.6% | 1.5% |
| Beverages | 5.2% | 0.0% |
| Pharmaceuticals & Biotechnology | 4.5% | 4.3% |
| Finance | 1.8% | 3.6% |
| Automobiles | 0.0% | 3.2% |
The six largest sectors of each fund's stocks, % of the fund.
Motilal Oswal Balanced Advantage vs WhiteOak Capital Balanced Advantage: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Motilal Oswal Balanced Advantage Fund | WhiteOak Capital Balanced Advantage Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.55% | 0.84% |
| Base expense ratio (Direct) | 0.93% | 0.54% |
| Total expense ratio (Regular) | 2.81% | 2.25% |
| Base expense ratio (Regular) | 2.04% | 1.74% |
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 Motilal Oswal Balanced Advantage with
Compare WhiteOak Capital Balanced Advantage with
Motilal Oswal Balanced Advantage Fund vs WhiteOak Capital Balanced Advantage Fund: Frequently Asked Questions
What is the difference between Motilal Oswal Balanced Advantage Fund and WhiteOak Capital Balanced Advantage Fund?
Both are Balanced Advantage funds, run by Motilal Oswal Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 13.7%. Motilal Oswal Balanced Advantage Fund charges 1.55% a year and WhiteOak Capital Balanced Advantage Fund 0.84%.
Which has given higher returns, Motilal Oswal Balanced Advantage Fund or WhiteOak Capital Balanced Advantage Fund?
Over 1 year: Motilal Oswal Balanced Advantage Fund −4.37%, WhiteOak Capital Balanced Advantage Fund −0.57%. Over 3 years: Motilal Oswal Balanced Advantage Fund +2.71% a year, WhiteOak Capital Balanced Advantage Fund +11.37% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Motilal Oswal Balanced Advantage Fund or WhiteOak Capital Balanced Advantage Fund?
WhiteOak Capital Balanced Advantage Fund charges less: 0.84% a year against 1.55%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Motilal Oswal Balanced Advantage Fund and WhiteOak Capital Balanced Advantage Fund overlap?
13.7%. They hold 14 of the same securities, the largest shared ones being COFORGE, ETERNAL, KOTAKBANK. From each fund's latest monthly portfolio.
Which is riskier, Motilal Oswal Balanced Advantage Fund or WhiteOak Capital Balanced Advantage Fund?
On SEBI's riskometer, Motilal Oswal Balanced Advantage Fund is rated Very High and WhiteOak Capital Balanced Advantage Fund Very High. Over 3 years, the standard deviation of daily returns was 12.29% and 8.34% a year.
Which is better for SIP, Motilal Oswal Balanced Advantage Fund or WhiteOak Capital Balanced Advantage Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,74,896 in Motilal Oswal Balanced Advantage Fund (XIRR 0.8% a year) and ₹4,06,673 in WhiteOak Capital Balanced Advantage Fund (XIRR 6.1% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Motilal Oswal Balanced Advantage Fund and WhiteOak Capital Balanced Advantage Fund?
Yes. 13.7% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Motilal Oswal Balanced Advantage Fund and WhiteOak Capital Balanced Advantage Fund?
Motilal Oswal Balanced Advantage Fund: Sandeep Jain, Ankit Agarwal, Varun Sharma, Ajay Khandelwal, Atul Mehra, Rakesh Shetty, Swapnil Mayekar. WhiteOak Capital Balanced Advantage 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.