SBI BSE 100 ETF vs WhiteOak Capital Equity Savings Fund
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
SBI BSE 100 ETF is a mutual fund and WhiteOak Capital Equity Savings Fund is an Equity Savings fund. In the year to 30-10-2026, SBI BSE 100 ETF (Regular) returned −9.1% and WhiteOak Capital Equity Savings Fund (Direct) returned 4.3%. SBI BSE 100 ETF charges 0.16% a year and WhiteOak Capital Equity Savings Fund 1.51%. Their portfolios overlap 37.0%: they hold 51 of the same securities.
WhiteOak Capital Equity Savings Fund
Equity Savings
- 1 year return
- 4.3%
- Expense ratio
- 1.51%
- NAV
- ₹11.71
Which is better, SBI BSE 100 ETF or WhiteOak Capital Equity Savings? 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 Equity Savings returned more over 1 year: 4.3% against −9.1%.
- SBI BSE 100 ETF costs less: 0.16% a year against 1.51%.
- WhiteOak Capital Equity Savings fell less in its worst fall since 13-03-2025: −3.8% against −15.0%.
- SBI BSE 100 ETF holds more in large companies: 90.2% of the fund in large caps against 49.5%.
- WhiteOak Capital Equity Savings is the larger fund: ₹271 Cr against ₹9 Cr.
- Their portfolios overlap 37.0%: 51 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 | SBI BSE 100 ETF | WhiteOak Capital Equity Savings Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Not available | Equity Savings |
| AUM | ₹9 Cr (30-09-2026) | ₹271 Cr (30-09-2026) |
| NAV | ₹272.01 (Regular) | ₹11.71 (Direct) |
| Expense ratio (Direct) | Not available | 1.51% |
| Expense ratio (Regular) | 0.16% | 2.99% |
| Riskometer | Not available | Moderate |
| Benchmark | Not available | Nifty Equity Savings TRI |
| Launch date | Not available | 12-03-2025 |
| Minimum investment | Not available | ₹500 |
| Lock in | Not available | None |
| Fund managers | Not available | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal, Bhavin Patadia |
| Exit load | Not available | Nil |
SBI BSE 100 ETF vs WhiteOak Capital Equity Savings: 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 |
|---|---|---|---|---|---|---|---|
| SBI BSE 100 ETF (Regular) | +0.93% | −5.53% | −2.97% | −9.05% | +8.78% | +7.62% | +11.52% |
| WhiteOak Capital Equity Savings Fund (Direct) | +0.01% | −0.36% | +2.93% | +4.28% | -- | -- | -- |
| Equity Savings average | −0.02% | −0.68% | +1.71% | +2.12% | -- | -- | -- |
Category average: the average of the 23 Equity Savings funds, same plan type.
SBI BSE 100 ETF vs WhiteOak Capital Equity Savings: Year-wise Returns
| Year | SBI BSE 100 ETFSBI BSE 100 ETF | WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings |
|---|---|---|
| 2026to date | −9.80% | +2.68% |
| 2025 | +10.33% | -- |
| 2024 | +13.11% | -- |
| 2023 | +23.07% | -- |
| 2022 | +5.85% | -- |
| 2021 | +26.33% | -- |
SBI BSE 100 ETF vs WhiteOak Capital Equity Savings: Rolling Returns
Every holding period of both funds, against BSE 100 TRI, the benchmark of SBI BSE 100 ETF
Rolling returns
Every 1-year holding period, 156 of them, one for each trading day from 13-03-2026 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.
SBI BSE 100 ETF (Regular)
WhiteOak Capital Equity Savings Fund (Direct)
BSE 100 TRI
to
Mar 2026May 2025
to
May 2026Jun 2025
to
Jun 2026Jul 2025
to
Jul 2026Sept 2025
to
Sept 2026Oct 2025
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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SBI BSE 100 ETF | 66.0 | 26.9 | 7.1 | 0.0 | 0.0 | 0.0 | 0.0 | −1.4% | −1.5% | −10.5% | 9.1% | 0% |
| WhiteOak Capital Equity Savings | 0.0 | 7.1 | 78.1 | 14.8 | 0.0 | 0.0 | 0.0 | 8.5% | 8.9% | 3.7% | 12.5% | 100% |
| BSE 100 TRI | 63.5 | 29.5 | 7.1 | 0.0 | 0.0 | 0.0 | 0.0 | −1.2% | −1.4% | −10.3% | 9.2% | -- |
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 100 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 13-03-2025. Past returns do not promise future returns.
SBI BSE 100 ETF vs WhiteOak Capital Equity Savings: 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 03-03-2025 to 30-10-2026: 20 instalments, ₹2,00,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI BSE 100 ETFSBI BSE 100 ETF (Regular) | ₹2,00,000 | ₹1,93,012 | −₹6,988 | −4.0% |
| WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings Fund (Direct) | ₹2,00,000 | ₹2,11,300 | ₹11,300 | 6.5% |
SBI BSE 100 ETFSBI BSE 100 ETF (Regular)
WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings 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.
SBI BSE 100 ETF vs WhiteOak Capital Equity Savings: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI BSE 100 ETF (Regular) | WhiteOak Capital Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | −9.05% | +4.28% |
| Standard deviation | 13.91% | 3.74% |
| Sharpe ratio | -1.03 | -0.26 |
| Sortino ratio | -1.36 | -0.35 |
| Maximum drawdown | −15.0% (31-03-2026) | −3.8% (23-03-2026) |
| Beta | 1.00 | -- |
| Alpha | −0.16% | -- |
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 | SBI BSE 100 ETF (Regular) | WhiteOak Capital Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.40% | +10.18% |
| Standard deviation | 15.99% | 3.78% |
| Sharpe ratio | 0.30 | 1.26 |
| Sortino ratio | 0.40 | 1.87 |
| Maximum drawdown | −38.2% (23-03-2020) | −3.8% (23-03-2026) |
| Beta | 1.00 | -- |
| Alpha | −0.44% | -- |
From daily NAVs, 25-03-2015 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.
SBI BSE 100 ETF (Regular)
WhiteOak Capital Equity Savings Fund (Direct)
BSE 100 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI BSE 100 ETF (Regular) | −15.0% | 02-01-2026 | 31-03-2026 | Not yet | -- | −10.6% |
| WhiteOak Capital Equity Savings Fund (Direct) | −3.8% | 11-02-2026 | 23-03-2026 | 17-06-2026 | 3 months | −1.3% |
| BSE 100 TRI | −15.0% | 02-01-2026 | 30-03-2026 | Not yet | -- | −10.4% |
From daily values since 13-03-2025, 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.
SBI BSE 100 ETF (Regular)
WhiteOak Capital Equity Savings Fund (Direct)
BSE 100 TRI
Against BSE 100 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI BSE 100 ETF (Regular) | 99% | 100% | 0.02% |
| WhiteOak Capital Equity Savings Fund (Direct) | 50% | 3% | 10.84% |
From month-end values since 13-03-2025. 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.
SBI BSE 100 ETF vs WhiteOak Capital Equity Savings: Portfolio Overlap
From each fund's latest monthly portfolio: SBI BSE 100 ETF, September 2026; WhiteOak Capital Equity Savings Fund, September 2026
Holdings in common
- Overlap
- 37.0%
- Held by both
- 51
- Only in SBI BSE 100 ETF
- 49
- Only in WhiteOak Capital Equity Savings
- 85
| Security | % of SBI BSE 100 ETF | % of WhiteOak Capital Equity Savings |
|---|---|---|
| ICICI Bank Ltd. | 7.24% | 9.66% |
| HDFC Bank Ltd. | 8.26% | 5.84% |
| Bharti Airtel Ltd. | 4.18% | 2.68% |
| Axis Bank Ltd. | 2.68% | 1.80% |
| Eternal Ltd. | 1.76% | 1.73% |
| Kotak Mahindra Bank Ltd. | 2.34% | 1.68% |
| State Bank of India | 3.04% | 1.50% |
| Hindalco Industries Ltd. | 1.03% | 1.92% |
| Reliance Industries Ltd. | 6.01% | 0.99% |
| Adani Enterprises Ltd. | 0.75% | 2.09% |
| TVS Motor Company Ltd. | 0.73% | 1.72% |
| Nestle India Ltd. | 0.71% | 0.65% |
| Mahindra & Mahindra Ltd. | 2.01% | 0.61% |
| The Federal Bank Ltd. | 0.60% | 1.05% |
| Bajaj Finserv Ltd. | 0.74% | 0.58% |
| SBI Life Insurance Co. Ltd. | 0.58% | 1.60% |
| Cummins India Ltd. | 0.49% | 1.16% |
| Bharat Electronics Ltd. | 1.07% | 0.48% |
| Coforge Ltd. | 0.46% | 2.80% |
| Titan Company Ltd. | 1.43% | 0.45% |
| AU Small Finance Bank Ltd. | 0.44% | 1.31% |
| HDFC Life Insurance Company Ltd. | 0.42% | 0.85% |
| Ultratech Cement Ltd. | 0.98% | 0.38% |
| Maruti Suzuki India Ltd. | 1.18% | 0.36% |
| Power Finance Corporation Ltd. | 0.36% | 0.44% |
| Ashok Leyland Ltd. | 0.33% | 1.45% |
| Cipla Ltd. | 0.58% | 0.27% |
| Larsen & Toubro Ltd. | 3.35% | 0.25% |
| Apollo Hospitals Enterprise Ltd. | 0.63% | 0.23% |
| Jio Financial Services Ltd. | 0.55% | 0.21% |
| Persistent Systems Ltd. | 0.44% | 0.21% |
| Tech Mahindra Ltd. | 0.75% | 0.20% |
| DLF Ltd. | 0.33% | 0.19% |
| Tata Consultancy Services Ltd. | 1.58% | 0.17% |
| Divi's Laboratories Ltd. | 0.90% | 0.17% |
| Pidilite Industries Ltd. | 0.34% | 0.17% |
| LTM Ltd. | 0.28% | 0.17% |
| Infosys Ltd. | 2.68% | 0.16% |
| Tata Steel Ltd. | 1.16% | 0.15% |
| NTPC Ltd. | 1.17% | 0.14% |
| Oil & Natural Gas Corporation Ltd. | 0.67% | 0.14% |
| Cholamandalam Investment & Finance Co. Ltd. | 0.54% | 0.13% |
| ITC Ltd. | 1.94% | 0.12% |
| Info Edge (India) Ltd. | 0.36% | 0.12% |
| Asian Paints Ltd. | 0.83% | 0.11% |
| Max Healthcare Institute Ltd. | 0.52% | 0.11% |
| CG Power and Industrial Solutions Ltd. | 0.44% | 0.10% |
| PB Fintech Ltd. | 0.29% | 0.10% |
| IndusInd Bank Ltd. | 0.45% | 0.09% |
| Bajaj Finance Ltd. | 1.96% | 0.07% |
| JSW Steel Ltd. | 0.91% | 0.04% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 37.0% means 37.0% 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 SBI BSE 100 ETF
| Security | % of fund |
|---|---|
| Sun Pharmaceutical Industries Ltd. | 1.50% |
| Hindustan Unilever Ltd. | 1.28% |
| Adani Ports and Special Economic Zone Ltd. | 1.07% |
| Shriram Finance Ltd. | 1.04% |
| HCL Technologies Ltd. | 0.99% |
Largest holdings only in WhiteOak Capital Equity Savings Fund
| Security | % of fund |
|---|---|
| 6.28% Government of India (14/07/2032) | 5.15% |
| Vodafone Idea Limited | 4.44% |
| 6.36% Government of India (16/02/2031) | 2.90% |
| Nexus Select Trust - REIT | 2.69% |
| 6.94% Government of India (11/05/2036) | 2.54% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI BSE 100 ETF | WhiteOak Capital Equity Savings |
|---|---|---|
| Equity | 100.0% | 65.6% |
| Debt | 0.0% | 19.3% |
| Cash and others | 0.0% | 15.1% |
Market cap of stocks
| Market cap | SBI BSE 100 ETF | WhiteOak Capital Equity Savings |
|---|---|---|
| Large Cap | 90.2% | 49.5% |
| Mid Cap | 9.7% | 10.3% |
| Small Cap | 0.0% | 4.9% |
| Not on AMFI's list | 0.0% | 0.8% |
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 | SBI BSE 100 ETF | WhiteOak Capital Equity Savings |
|---|---|---|
| Banks | 26.7% | 25.1% |
| IT - Software | 7.5% | 4.1% |
| Telecom - Services | 4.5% | 7.1% |
| Petroleum Products | 6.8% | 1.0% |
| Automobiles | 6.5% | 2.7% |
| Finance | 5.8% | 3.9% |
| Insurance | 1.3% | 2.6% |
The six largest sectors of each fund's stocks, % of the fund.
SBI BSE 100 ETF vs WhiteOak Capital Equity Savings: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI BSE 100 ETF | WhiteOak Capital Equity Savings Fund |
|---|---|---|
| Total expense ratio (Direct) | Not available | 1.51% |
| Base expense ratio (Direct) | 0.00% | 0.75% |
| Total expense ratio (Regular) | 0.16% | 2.99% |
| Base expense ratio (Regular) | 0.12% | 2.00% |
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 WhiteOak Capital Equity Savings with
SBI BSE 100 ETF vs WhiteOak Capital Equity Savings Fund: Frequently Asked Questions
What is the difference between SBI BSE 100 ETF and WhiteOak Capital Equity Savings Fund?
SBI BSE 100 ETF is a mutual fund, WhiteOak Capital Equity Savings Fund is an Equity Savings fund, run by SBI Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 37.0%. SBI BSE 100 ETF charges 0.16% a year and WhiteOak Capital Equity Savings Fund 1.51%.
Which has given higher returns, SBI BSE 100 ETF or WhiteOak Capital Equity Savings Fund?
Over 1 year: SBI BSE 100 ETF −9.05%, WhiteOak Capital Equity Savings Fund +4.28%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI BSE 100 ETF or WhiteOak Capital Equity Savings Fund?
SBI BSE 100 ETF charges less: 0.16% a year against 1.51%. These are the total expense ratios reported to AMFI.
How much do SBI BSE 100 ETF and WhiteOak Capital Equity Savings Fund overlap?
37.0%. They hold 51 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, BHARTIARTL. From each fund's latest monthly portfolio.
Can I invest in both SBI BSE 100 ETF and WhiteOak Capital Equity Savings Fund?
Yes. 37.0% of each fund's money sits in the same holdings, so some of the two investments would move together.
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.