Nippon India Pharma Fund vs WhiteOak Capital Digital Bharat Fund
Direct Plan, Growth option · Data as on 30-10-2026
Nippon India Pharma Fund is a Sectoral fund and WhiteOak Capital Digital Bharat Fund is a Sectoral fund. In the year to 30-10-2026, Nippon India Pharma Fund (Direct) returned 9.1% and WhiteOak Capital Digital Bharat Fund (Direct) returned −3.8%. Nippon India Pharma Fund charges 0.99% a year and WhiteOak Capital Digital Bharat Fund 1.37% (Direct plans). Their portfolios overlap 0.0%: they hold 0 of the same securities.
Nippon India Pharma Fund
Sectoral
- 1 year return
- 9.1%
- Expense ratio
- 0.99%
- NAV
- ₹625.46
WhiteOak Capital Digital Bharat Fund
Sectoral
- 1 year return
- −3.8%
- Expense ratio
- 1.37%
- NAV
- ₹10.54
Which is better, Nippon India Pharma 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.
- Nippon India Pharma returned more over 1 year: 9.1% against −3.8%.
- Nippon India Pharma costs less: 0.99% a year against 1.37% (Direct plans).
- Nippon India Pharma fell less in its worst fall since 14-10-2024: −14.7% against −25.5%.
- WhiteOak Capital Digital Bharat holds more in large companies: 43.1% of the fund in large caps against 29.7%.
- Nippon India Pharma is the larger fund: ₹9,166 Cr against ₹474 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 | Nippon India Pharma Fund | WhiteOak Capital Digital Bharat Fund |
|---|---|---|
| Fund house | Nippon India Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Sectoral | Sectoral |
| AUM | ₹9,166 Cr (30-09-2026) | ₹474 Cr (30-09-2026) |
| NAV | ₹625.46 (Direct) | ₹10.54 (Direct) |
| Expense ratio (Direct) | 0.99% | 1.37% |
| Expense ratio (Regular) | 1.85% | 3.13% |
| Riskometer | Very High | Very High |
| Benchmark | BSE Healthcare TRI | BSE Teck TRI |
| Launch date | 05-06-2004 | 11-10-2024 |
| Minimum investment | ₹5,000 | ₹500 |
| Lock in | None | None |
| Fund managers | Sailesh Raj Bhan | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | Exit load of 1% if redeemed within 1 month. | Nil |
Nippon India Pharma 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 |
|---|---|---|---|---|---|---|---|
| Nippon India Pharma Fund (Direct) | −0.76% | −2.52% | +7.84% | +9.05% | +18.56% | +14.19% | +15.18% |
| WhiteOak Capital Digital Bharat Fund (Direct) | +7.03% | −0.40% | +15.29% | −3.77% | -- | -- | -- |
| Sectoral average | −1.70% | −4.49% | +2.30% | −0.58% | -- | -- | -- |
Category average: the average of the 20 Sectoral funds, same plan type.
Nippon India Pharma vs WhiteOak Capital Digital Bharat: Year-wise Returns
| Year | Nippon India PharmaNippon India Pharma | WhiteOak Capital Digital BharatWhiteOak Capital Digital Bharat |
|---|---|---|
| 2026to date | +9.76% | −3.35% |
| 2025 | −2.46% | +1.81% |
| 2024 | +35.26% | -- |
| 2023 | +40.36% | -- |
| 2022 | −9.06% | -- |
| 2021 | +25.12% | -- |
Nippon India Pharma vs WhiteOak Capital Digital Bharat: Rolling Returns
Every holding period of both funds, against BSE Healthcare TRI, the benchmark of Nippon India Pharma Fund
Rolling returns
Every 1-year holding period, 256 of them, one for each trading day from 14-10-2025 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.
Nippon India Pharma Fund (Direct)
WhiteOak Capital Digital Bharat Fund (Direct)
BSE Healthcare 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nippon India Pharma | 9.4 | 29.7 | 34.8 | 25.0 | 1.2 | 0.0 | 0.0 | 6.4% | 6.5% | −2.9% | 15.4% | 28% |
| 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% | 32% |
| BSE Healthcare TRI | 13.3 | 21.5 | 21.9 | 30.9 | 12.5 | 0.0 | 0.0 | 7.9% | 8.4% | −3.7% | 19.5% | -- |
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. The benchmark is BSE Healthcare 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.
Nippon India Pharma 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 30-10-2026: 25 instalments, ₹2,50,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Nippon India PharmaNippon India Pharma Fund (Direct) | ₹2,50,000 | ₹2,72,901 | ₹22,901 | 8.4% |
| WhiteOak Capital Digital BharatWhiteOak Capital Digital Bharat Fund (Direct) | ₹2,50,000 | ₹2,65,318 | ₹15,318 | 5.6% |
Nippon India PharmaNippon India Pharma 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.
Nippon India Pharma 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 | Nippon India Pharma Fund (Direct) | WhiteOak Capital Digital Bharat Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.05% | −3.77% |
| Standard deviation | 12.27% | 17.27% |
| Sharpe ratio | 0.31 | -0.52 |
| Sortino ratio | 0.45 | -0.72 |
| Maximum drawdown | −9.6% (23-10-2026) | −25.5% (23-03-2026) |
| Beta | 0.87 | 0.77 |
| Alpha | −2.40% | +0.76% |
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 | Nippon India Pharma Fund (Direct) | WhiteOak Capital Digital Bharat Fund (Direct) |
|---|---|---|
| Return (CAGR) | +17.18% | +2.35% |
| Standard deviation | 15.19% | 18.82% |
| Sharpe ratio | 0.73 | -0.18 |
| Sortino ratio | 1.06 | -0.25 |
| Maximum drawdown | −24.0% (29-05-2017) | −25.5% (23-03-2026) |
| Beta | 0.85 | 0.82 |
| Alpha | +3.72% | +7.99% |
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.
Nippon India Pharma Fund (Direct)
WhiteOak Capital Digital Bharat Fund (Direct)
BSE Healthcare TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Nippon India Pharma Fund (Direct) | −14.7% | 02-01-2025 | 28-02-2025 | 24-07-2025 | 5 months | −4.3% |
| WhiteOak Capital Digital Bharat Fund (Direct) | −25.5% | 22-12-2025 | 23-03-2026 | Not yet | -- | −6.4% |
| BSE Healthcare TRI | −16.2% | 02-01-2025 | 28-02-2025 | 29-07-2025 | 5 months | −3.8% |
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.
Nippon India Pharma Fund (Direct)
WhiteOak Capital Digital Bharat Fund (Direct)
BSE Healthcare TRI
Against BSE Healthcare TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Nippon India Pharma Fund (Direct) | 88% | 97% | 3.64% |
| WhiteOak Capital Digital Bharat Fund (Direct) | 95% | 98% | 19.73% |
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.
Nippon India Pharma vs WhiteOak Capital Digital Bharat: Portfolio Overlap
From each fund's latest monthly portfolio: Nippon India Pharma Fund, September 2026; WhiteOak Capital Digital Bharat Fund, September 2026
Holdings in common
- Overlap
- 0.0%
- Held by both
- 0
- Only in Nippon India Pharma
- 36
- Only in WhiteOak Capital Digital Bharat
- 41
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 Nippon India Pharma Fund
| Security | % of fund |
|---|---|
| Sun Pharmaceutical Industries Limited | 11.71% |
| Divi's Laboratories Limited | 7.10% |
| Lupin Limited | 6.17% |
| Cipla Limited | 6.01% |
| Dr. Reddy's Laboratories Limited | 5.45% |
Largest holdings only in WhiteOak Capital Digital Bharat Fund
| Security | % of fund |
|---|---|
| Bharti Airtel Limited | 17.84% |
| Eternal Limited | 8.24% |
| Coforge Limited | 6.15% |
| Tech Mahindra Limited | 6.14% |
| Persistent Systems Limited | 6.13% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Nippon India Pharma | WhiteOak Capital Digital Bharat |
|---|---|---|
| Equity | 97.3% | 90.9% |
| Debt | 0.0% | 7.5% |
| Cash and others | 2.7% | 1.6% |
Market cap of stocks
| Market cap | Nippon India Pharma | WhiteOak Capital Digital Bharat |
|---|---|---|
| Large Cap | 29.7% | 43.1% |
| Mid Cap | 39.0% | 23.1% |
| Small Cap | 28.0% | 24.8% |
| Not on AMFI's list | 0.5% | 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 | Nippon India Pharma | WhiteOak Capital Digital Bharat |
|---|---|---|
| Pharmaceuticals & Biotechnology | 74.0% | 0.0% |
| IT - Software | 0.0% | 34.7% |
| Healthcare Services | 20.3% | 0.0% |
| Telecom - Services | 0.0% | 19.4% |
| Retailing | 2.5% | 19.0% |
| Commercial Services & Supplies | 0.0% | 6.0% |
| IT - Services | 0.0% | 3.4% |
| Industrial Products | 0.0% | 2.1% |
| Healthcare Equipment & Supplies | 0.5% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Nippon India Pharma vs WhiteOak Capital Digital Bharat: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Nippon India Pharma Fund | WhiteOak Capital Digital Bharat Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.99% | 1.37% |
| Base expense ratio (Direct) | 0.79% | 0.61% |
| Total expense ratio (Regular) | 1.85% | 3.13% |
| Base expense ratio (Regular) | 1.52% | 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 Nippon India Pharma with
Nippon India Pharma Fund vs WhiteOak Capital Digital Bharat Fund: Frequently Asked Questions
What is the difference between Nippon India Pharma Fund and WhiteOak Capital Digital Bharat Fund?
Nippon India Pharma Fund is a Sectoral fund, WhiteOak Capital Digital Bharat Fund is a Sectoral fund, run by Nippon India Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 0.0%. Nippon India Pharma Fund charges 0.99% a year and WhiteOak Capital Digital Bharat Fund 1.37%.
Which has given higher returns, Nippon India Pharma Fund or WhiteOak Capital Digital Bharat Fund?
Over 1 year: Nippon India Pharma Fund +9.05%, 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, Nippon India Pharma Fund or WhiteOak Capital Digital Bharat Fund?
Nippon India Pharma Fund charges less: 0.99% a year against 1.37%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Nippon India Pharma Fund and WhiteOak Capital Digital Bharat Fund overlap?
0.0%. They hold 0 of the same securities. From each fund's latest monthly portfolio.
Which is riskier, Nippon India Pharma Fund or WhiteOak Capital Digital Bharat Fund?
On SEBI's riskometer, Nippon India Pharma Fund is rated Very High and WhiteOak Capital Digital Bharat Fund Very High. Over 1 years, the standard deviation of daily returns was 12.27% and 17.27% a year.
Can I invest in both Nippon India Pharma Fund and WhiteOak Capital Digital Bharat Fund?
Yes. 0.0% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages Nippon India Pharma Fund and WhiteOak Capital Digital Bharat Fund?
Nippon India Pharma Fund: Sailesh Raj Bhan. 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.