SBI Large Cap Fund vs WhiteOak Capital Large Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
SBI Large Cap Fund and WhiteOak Capital Large Cap Fund are both Large Cap funds. In the 3 years to 30-10-2026, SBI Large Cap Fund (Direct) returned 9.3% a year and WhiteOak Capital Large Cap Fund (Direct) returned 13.2% a year. SBI Large Cap Fund charges 0.89% a year and WhiteOak Capital Large Cap Fund 0.92% (Direct plans). Their portfolios overlap 42.1%: they hold 25 of the same securities.
WhiteOak Capital Large Cap Fund
Large Cap
- 3 year return
- 13.2%
- Expense ratio
- 0.92%
- NAV
- ₹15.19
Which is better, SBI Large Cap or WhiteOak Capital Large Cap? 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 Large Cap returned more over 3 years: 13.2% a year against 9.3%.
- WhiteOak Capital Large Cap returned more over 1 year: −5.4% against −5.8%.
- SBI Large Cap costs less: 0.89% a year against 0.92% (Direct plans).
- SBI Large Cap swung less over 3 years: a standard deviation of 12.6% a year against 13.3%.
- WhiteOak Capital Large Cap fell less in its worst fall since 02-12-2022: −15.3% against −15.4%.
- SBI Large Cap is the larger fund: ₹52,373 Cr against ₹1,208 Cr.
- Their portfolios overlap 42.1%: 25 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 Large Cap Fund | WhiteOak Capital Large Cap Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Large Cap | Large Cap |
| AUM | ₹52,373 Cr (30-09-2026) | ₹1,208 Cr (30-09-2026) |
| NAV | ₹99.56 (Direct) | ₹15.19 (Direct) |
| Expense ratio (Direct) | 0.89% | 0.92% |
| Expense ratio (Regular) | 1.51% | 2.48% |
| Riskometer | Not available | Very High |
| Benchmark | Not available | BSE 100 TRI |
| Launch date | Not available | 01-12-2022 |
| Minimum investment | Not available | ₹500 |
| Lock in | Not available | None |
| Fund managers | Not available | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | Not available | Nil |
SBI Large Cap vs WhiteOak Capital Large Cap: 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 Large Cap Fund (Direct) | +0.01% | −5.00% | −1.97% | −5.75% | +9.25% | +8.31% | +11.54% |
| WhiteOak Capital Large Cap Fund (Direct) | +0.84% | −4.90% | −0.27% | −5.44% | +13.22% | -- | -- |
| Large Cap average | +0.62% | −4.36% | −1.05% | −6.33% | +10.38% | -- | -- |
Category average: the average of the 35 Large Cap funds, same plan type.
SBI Large Cap vs WhiteOak Capital Large Cap: Year-wise Returns
| Year | SBISBI Large Cap | WhiteOak CapitalWhiteOak Capital Large Cap | BSE 100 TRI |
|---|---|---|---|
| 2026to date | −6.95% | −6.13% | −9.68% |
| 2025 | +10.49% | +9.49% | +10.49% |
| 2024 | +13.24% | +22.98% | +13.31% |
| 2023 | +23.50% | +25.35% | +23.23% |
| 2022 | +5.11% | -- | +6.03% |
| 2021 | +27.04% | -- | +26.53% |
SBI Large Cap vs WhiteOak Capital Large Cap: Rolling Returns
Every holding period of both funds, against BSE 100 TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 227 of them, one for each trading day from 02-12-2025 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.
SBI Large Cap Fund (Direct)
WhiteOak Capital Large Cap Fund (Direct)
BSE 100 TRI
to
Dec 2025Feb 2023
to
Feb 2026Apr 2023
to
Apr 2026Jun 2023
to
Jun 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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SBI Large Cap | 0.0 | 0.0 | 17.6 | 63.0 | 19.4 | 0.0 | 0.0 | 12.3% | 12.0% | 7.5% | 16.3% | 78% |
| WhiteOak Capital Large Cap | 0.0 | 0.0 | 0.0 | 33.0 | 62.5 | 4.5 | 0.0 | 16.3% | 15.8% | 11.5% | 20.5% | 100% |
| BSE 100 TRI | 0.0 | 0.0 | 18.9 | 61.7 | 19.4 | 0.0 | 0.0 | 12.2% | 11.9% | 7.0% | 16.3% | -- |
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 02-12-2022. Past returns do not promise future returns.
SBI Large Cap vs WhiteOak Capital Large Cap: 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 01-12-2022 to 30-10-2026: 47 instalments, ₹4,70,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Large CapSBI Large Cap Fund (Direct) | ₹4,70,000 | ₹5,21,584 | ₹51,584 | 5.3% |
| WhiteOak Capital Large CapWhiteOak Capital Large Cap Fund (Direct) | ₹4,70,000 | ₹5,49,859 | ₹79,859 | 8.0% |
SBI Large CapSBI Large Cap Fund (Direct)
WhiteOak Capital Large CapWhiteOak Capital Large Cap 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 Large Cap vs WhiteOak Capital Large Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Large Cap Fund (Direct) | WhiteOak Capital Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.75% | −5.44% |
| Standard deviation | 13.89% | 12.81% |
| Sharpe ratio | -0.79 | -0.83 |
| Sortino ratio | -1.07 | -1.11 |
| Maximum drawdown | −13.8% (31-03-2026) | −13.9% (30-03-2026) |
| Beta | 0.98 | 0.91 |
| Alpha | +2.87% | +2.22% |
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 Large Cap Fund (Direct) | WhiteOak Capital Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.25% | +13.22% |
| Standard deviation | 12.56% | 13.27% |
| Sharpe ratio | 0.26 | 0.54 |
| Sortino ratio | 0.36 | 0.75 |
| Maximum drawdown | −15.4% (28-02-2025) | −15.3% (28-02-2025) |
| Beta | 0.90 | 0.96 |
| Alpha | +0.57% | +4.37% |
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 | SBI Large Cap Fund (Direct) | WhiteOak Capital Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.72% | +11.46% |
| Standard deviation | 15.08% | 12.47% |
| Sharpe ratio | 0.51 | 0.42 |
| Sortino ratio | 0.69 | 0.58 |
| Maximum drawdown | −37.1% (23-03-2020) | −15.3% (28-02-2025) |
| Beta | 0.93 | 0.96 |
| Alpha | +2.07% | +3.59% |
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.
SBI Large Cap Fund (Direct)
WhiteOak Capital Large Cap 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 Large Cap Fund (Direct) | −15.4% | 26-09-2024 | 28-02-2025 | 29-10-2025 | 8 months | −8.0% |
| WhiteOak Capital Large Cap Fund (Direct) | −15.3% | 26-09-2024 | 28-02-2025 | 27-06-2025 | 4 months | −7.2% |
| BSE 100 TRI | −16.7% | 26-09-2024 | 28-02-2025 | 20-11-2025 | 9 months | −10.4% |
From daily values since 02-12-2022, 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 Large Cap Fund (Direct)
WhiteOak Capital Large Cap Fund (Direct)
BSE 100 TRI
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.
SBI Large Cap Fund (Direct)
WhiteOak Capital Large Cap Fund (Direct)
BSE 100 TRI
Against BSE 100 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI Large Cap Fund (Direct) | 92% | 82% | 2.91% |
| WhiteOak Capital Large Cap Fund (Direct) | 108% | 89% | 2.55% |
From month-end values since 02-12-2022. 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 Large Cap vs WhiteOak Capital Large Cap: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Large Cap Fund, September 2026; WhiteOak Capital Large Cap Fund, September 2026
Holdings in common
- Overlap
- 42.1%
- Held by both
- 25
- Only in SBI Large Cap
- 31
- Only in WhiteOak Capital Large Cap
- 52
| Security | % of SBI Large Cap | % of WhiteOak Capital Large Cap |
|---|---|---|
| ICICI Bank Ltd. | 8.29% | 9.71% |
| HDFC Bank Ltd. | 8.19% | 6.32% |
| Kotak Mahindra Bank Ltd. | 4.60% | 3.41% |
| State Bank of India | 3.50% | 3.36% |
| Reliance Industries Ltd. | 3.51% | 3.00% |
| Bharti Airtel Ltd. | 2.15% | 5.43% |
| Axis Bank Ltd. | 3.22% | 2.11% |
| Larsen & Toubro Ltd. | 5.31% | 1.85% |
| Tech Mahindra Ltd. | 1.89% | 1.77% |
| Eternal Ltd. | 1.77% | 3.32% |
| Divi's Laboratories Ltd. | 3.61% | 1.22% |
| Sun Pharmaceutical Industries Ltd. | 1.90% | 1.03% |
| Asian Paints Ltd. | 3.39% | 0.96% |
| Cholamandalam Investment & Finance Co. Ltd. | 2.04% | 0.96% |
| Adani Enterprises Ltd. | 1.61% | 0.63% |
| Life Insurance Corporation of India | 0.97% | 0.51% |
| JSW Steel Ltd. | 0.74% | 0.51% |
| Tata Steel Ltd. | 0.66% | 0.46% |
| Vedanta Aluminium Metal Ltd. | 1.36% | 0.45% |
| Varun Beverages Ltd. | 2.02% | 0.41% |
| ICICI Prudential Asset Management Company Ltd. | 1.21% | 0.32% |
| Cipla Ltd. | 0.19% | 0.61% |
| 182 DAY T-BILL 12.11.26 | 0.19% | 0.39% |
| Infosys Ltd. | 3.38% | 0.09% |
| 91 DAY T-BILL 03.12.26 | 0.09% | 1.02% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 42.1% means 42.1% 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 Large Cap Fund
| Security | % of fund |
|---|---|
| Samvardhana Motherson International Ltd. | 3.79% |
| Tata Motors Ltd. | 3.06% |
| HDFC Life Insurance Company Ltd. | 2.89% |
| Avenue Supermarts Ltd. | 2.24% |
| Page Industries Ltd. | 2.20% |
Largest holdings only in WhiteOak Capital Large Cap Fund
| Security | % of fund |
|---|---|
| Nestle India Limited | 4.49% |
| Mahindra & Mahindra Limited | 3.27% |
| Titan Company Limited | 2.65% |
| Maruti Suzuki India Limited | 2.18% |
| Nexus Select Trust - REIT | 2.09% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Large Cap | WhiteOak Capital Large Cap |
|---|---|---|
| Equity | 99.1% | 87.9% |
| Debt | 0.4% | 3.1% |
| Cash and others | 0.5% | 9.0% |
Market cap of stocks
| Market cap | SBI Large Cap | WhiteOak Capital Large Cap |
|---|---|---|
| Large Cap | 83.5% | 77.5% |
| Mid Cap | 13.7% | 6.7% |
| Small Cap | 1.9% | 1.9% |
| Not on AMFI's list | 0.0% | 1.7% |
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 Large Cap | WhiteOak Capital Large Cap |
|---|---|---|
| Banks | 27.8% | 25.5% |
| Pharmaceuticals & Biotechnology | 7.7% | 3.6% |
| Auto Components | 7.0% | 0.0% |
| Finance | 2.0% | 6.2% |
| Automobiles | 0.0% | 5.8% |
| Insurance | 5.5% | 1.3% |
| Telecom - Services | 2.6% | 5.4% |
| Construction | 5.3% | 1.9% |
| IT - Software | 5.3% | 5.1% |
| Retailing | 5.2% | 5.0% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Large Cap vs WhiteOak Capital Large Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Large Cap Fund | WhiteOak Capital Large Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.89% | 0.92% |
| Base expense ratio (Direct) | 0.70% | 0.55% |
| Total expense ratio (Regular) | 1.51% | 2.48% |
| Base expense ratio (Regular) | 1.23% | 1.87% |
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 SBI Large Cap with
SBI Large Cap Fund vs WhiteOak Capital Large Cap Fund: Frequently Asked Questions
What is the difference between SBI Large Cap Fund and WhiteOak Capital Large Cap Fund?
Both are Large Cap funds, run by SBI Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 42.1%. SBI Large Cap Fund charges 0.89% a year and WhiteOak Capital Large Cap Fund 0.92%.
Which has given higher returns, SBI Large Cap Fund or WhiteOak Capital Large Cap Fund?
Over 1 year: SBI Large Cap Fund −5.75%, WhiteOak Capital Large Cap Fund −5.44%. Over 3 years: SBI Large Cap Fund +9.25% a year, WhiteOak Capital Large Cap Fund +13.22% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Large Cap Fund or WhiteOak Capital Large Cap Fund?
SBI Large Cap Fund charges less: 0.89% a year against 0.92%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Large Cap Fund and WhiteOak Capital Large Cap Fund overlap?
42.1%. They hold 25 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, KOTAKBANK. From each fund's latest monthly portfolio.
Which is better for SIP, SBI Large Cap Fund or WhiteOak Capital Large Cap Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,83,161 in SBI Large Cap Fund (XIRR 2.2% a year) and ₹3,94,768 in WhiteOak Capital Large Cap Fund (XIRR 4.2% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both SBI Large Cap Fund and WhiteOak Capital Large Cap Fund?
Yes. 42.1% of each fund's money sits in the same holdings, so a large part 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.