Sundaram Long Term Tax Advantage Fund Series III vs WhiteOak Capital ELSS Tax Saver Fund
Direct Plan, Growth option · Data as on 30-10-2026
Sundaram Long Term Tax Advantage Fund Series III and WhiteOak Capital ELSS Tax Saver Fund are both ELSS funds. In the 3 years to 30-10-2026, Sundaram Long Term Tax Advantage Fund Series III (Direct) returned 9.6% a year and WhiteOak Capital ELSS Tax Saver Fund (Direct) returned 15.5% a year. Sundaram Long Term Tax Advantage Fund Series III charges 1.01% a year and WhiteOak Capital ELSS Tax Saver Fund 0.86% (Direct plans). Their portfolios overlap 4.0%: they hold 5 of the same securities.
Sundaram Long Term Tax Advantage Fund Series III
ELSS
- 3 year return
- 9.6%
- Expense ratio
- 1.01%
- NAV
- ₹29.38
WhiteOak Capital ELSS Tax Saver Fund
ELSS
- 3 year return
- 15.5%
- Expense ratio
- 0.86%
- NAV
- ₹18.41
Which is better, Sundaram Long Term Tax Advantage Fund Series III or WhiteOak Capital ELSS Tax Saver? 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 ELSS Tax Saver returned more over 3 years: 15.5% a year against 9.6%.
- WhiteOak Capital ELSS Tax Saver returned more over 1 year: −2.3% against −3.5%.
- WhiteOak Capital ELSS Tax Saver costs less: 0.86% a year against 1.01% (Direct plans).
- WhiteOak Capital ELSS Tax Saver swung less over 3 years: a standard deviation of 14.1% a year against 16.4%.
- WhiteOak Capital ELSS Tax Saver fell less in its worst fall since 17-10-2022: −16.4% against −22.7%.
- WhiteOak Capital ELSS Tax Saver holds more in large companies: 52.3% of the fund in large caps against 5.9%.
- WhiteOak Capital ELSS Tax Saver is the larger fund: ₹481 Cr against ₹34 Cr.
- Their portfolios overlap 4.0%: 5 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 | Sundaram Long Term Tax Advantage Fund Series III | WhiteOak Capital ELSS Tax Saver Fund |
|---|---|---|
| Fund house | Sundaram Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | ELSS | ELSS |
| AUM | ₹34 Cr (30-09-2026) | ₹481 Cr (30-09-2026) |
| NAV | ₹29.38 (Direct) | ₹18.41 (Direct) |
| Expense ratio (Direct) | 1.01% | 0.86% |
| Expense ratio (Regular) | 1.24% | 2.58% |
| Riskometer | Very High | Very High |
| Benchmark | BSE 500 TRI | BSE 500 TRI |
| Launch date | 28-03-2018 | 14-10-2022 |
| Minimum investment | For both Regular and Direct Plan Rs 500/- | ₹500 |
| Lock in | 3 years | 3 years |
| Fund managers | Rohit Seksaria | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | NIL | Nil |
Sundaram Long Term Tax Advantage Fund Series III vs WhiteOak Capital ELSS Tax Saver: 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 |
|---|---|---|---|---|---|---|---|
| Sundaram Long Term Tax Advantage Fund Series III (Direct) | −7.93% | −9.43% | −4.72% | −3.46% | +9.62% | +13.97% | -- |
| WhiteOak Capital ELSS Tax Saver Fund (Direct) | −0.74% | −3.51% | +3.23% | −2.32% | +15.53% | -- | -- |
| ELSS average | −2.34% | −5.61% | −1.63% | −5.75% | +10.92% | -- | -- |
Category average: the average of the 50 ELSS funds, same plan type.
Sundaram Long Term Tax Advantage Fund Series III vs WhiteOak Capital ELSS Tax Saver: Year-wise Returns
| Year | Sundaram Long Term Tax Advantage Fund Series IIISundaram Long Term Tax Advantage Fund Series III | WhiteOak Capital ELSS Tax SaverWhiteOak Capital ELSS Tax Saver | BSE 500 TRI |
|---|---|---|---|
| 2026to date | −1.20% | −1.72% | −7.81% |
| 2025 | +4.31% | +4.95% | +7.63% |
| 2024 | +12.38% | +30.34% | +15.81% |
| 2023 | +50.14% | +34.58% | +26.55% |
| 2022 | +6.47% | -- | +4.77% |
| 2021 | +69.97% | -- | +31.63% |
Sundaram Long Term Tax Advantage Fund Series III vs WhiteOak Capital ELSS Tax Saver: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 253 of them, one for each trading day from 17-10-2025 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.
Sundaram Long Term Tax Advantage Fund Series III (Direct)
WhiteOak Capital ELSS Tax Saver Fund (Direct)
BSE 500 TRI
to
Nov 2025Jan 2023
to
Jan 2026Mar 2023
to
Mar 2026May 2023
to
May 2026Jul 2023
to
Jul 2026Sept 2023
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sundaram Long Term Tax Advantage Fund Series III | 0.0 | 0.0 | 2.4 | 13.8 | 58.5 | 25.3 | 0.0 | 17.6% | 18.0% | 8.8% | 22.3% | 99% |
| WhiteOak Capital ELSS Tax Saver | 0.0 | 0.0 | 0.0 | 4.0 | 45.5 | 50.6 | 0.0 | 19.8% | 20.1% | 14.3% | 23.9% | 100% |
| BSE 500 TRI | 0.0 | 0.0 | 9.5 | 46.6 | 43.9 | 0.0 | 0.0 | 14.0% | 14.6% | 8.4% | 17.8% | -- |
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 500 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 17-10-2022. Past returns do not promise future returns.
Sundaram Long Term Tax Advantage Fund Series III vs WhiteOak Capital ELSS Tax Saver: 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 03-10-2022 to 30-10-2026: 49 instalments, ₹4,90,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Sundaram Long Term Tax Advantage Fund Series IIISundaram Long Term Tax Advantage Fund Series III (Direct) | ₹4,90,000 | ₹5,84,435 | ₹94,435 | 8.6% |
| WhiteOak Capital ELSS Tax SaverWhiteOak Capital ELSS Tax Saver Fund (Direct) | ₹4,90,000 | ₹6,21,529 | ₹1,31,529 | 11.7% |
Sundaram Long Term Tax Advantage Fund Series IIISundaram Long Term Tax Advantage Fund Series III (Direct)
WhiteOak Capital ELSS Tax SaverWhiteOak Capital ELSS Tax Saver 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.
Sundaram Long Term Tax Advantage Fund Series III vs WhiteOak Capital ELSS Tax Saver: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Sundaram Long Term Tax Advantage Fund Series III (Direct) | WhiteOak Capital ELSS Tax Saver Fund (Direct) |
|---|---|---|
| Return (CAGR) | −3.46% | −2.32% |
| Standard deviation | 17.52% | 13.78% |
| Sharpe ratio | -0.50 | -0.55 |
| Sortino ratio | -0.69 | -0.74 |
| Maximum drawdown | −15.1% (23-03-2026) | −15.9% (23-03-2026) |
| Beta | 1.05 | 0.94 |
| Alpha | +4.89% | +4.63% |
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 | Sundaram Long Term Tax Advantage Fund Series III (Direct) | WhiteOak Capital ELSS Tax Saver Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.62% | +15.53% |
| Standard deviation | 16.42% | 14.09% |
| Sharpe ratio | 0.22 | 0.67 |
| Sortino ratio | 0.30 | 0.92 |
| Maximum drawdown | −22.7% (03-03-2025) | −16.4% (28-02-2025) |
| Beta | 0.98 | 0.96 |
| Alpha | −0.18% | +5.78% |
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 | Sundaram Long Term Tax Advantage Fund Series III (Direct) | WhiteOak Capital ELSS Tax Saver Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.38% | +16.16% |
| Standard deviation | 17.35% | 13.02% |
| Sharpe ratio | 0.47 | 0.77 |
| Sortino ratio | 0.61 | 1.04 |
| Maximum drawdown | −49.9% (24-03-2020) | −16.4% (28-02-2025) |
| Beta | 0.87 | 0.95 |
| Alpha | +2.27% | +5.64% |
From daily NAVs, 03-04-2018 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.
Sundaram Long Term Tax Advantage Fund Series III (Direct)
WhiteOak Capital ELSS Tax Saver Fund (Direct)
BSE 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Sundaram Long Term Tax Advantage Fund Series III (Direct) | −22.7% | 15-10-2024 | 03-03-2025 | 05-01-2026 | 10 months | −12.5% |
| WhiteOak Capital ELSS Tax Saver Fund (Direct) | −16.4% | 11-12-2024 | 28-02-2025 | 27-06-2025 | 4 months | −6.4% |
| BSE 500 TRI | −18.7% | 26-09-2024 | 28-02-2025 | Not yet | -- | −9.4% |
From daily values since 17-10-2022, 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.
Sundaram Long Term Tax Advantage Fund Series III (Direct)
WhiteOak Capital ELSS Tax Saver Fund (Direct)
BSE 500 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.
Sundaram Long Term Tax Advantage Fund Series III (Direct)
WhiteOak Capital ELSS Tax Saver Fund (Direct)
BSE 500 TRI
Against BSE 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Sundaram Long Term Tax Advantage Fund Series III (Direct) | 105% | 80% | 9.57% |
| WhiteOak Capital ELSS Tax Saver Fund (Direct) | 108% | 80% | 4.22% |
From month-end values since 17-10-2022. 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.
Sundaram Long Term Tax Advantage Fund Series III vs WhiteOak Capital ELSS Tax Saver: Portfolio Overlap
From each fund's latest monthly portfolio: Sundaram Long Term Tax Advantage Fund Series III, September 2026; WhiteOak Capital ELSS Tax Saver Fund, September 2026
Holdings in common
- Overlap
- 4.0%
- Held by both
- 5
- Only in Sundaram Long Term Tax Advantage Fund Series III
- 35
- Only in WhiteOak Capital ELSS Tax Saver
- 136
| Security | % of Sundaram Long Term Tax Advantage Fund Series III | % of WhiteOak Capital ELSS Tax Saver |
|---|---|---|
| Eternal Ltd (Previously Zomato Ltd) | 3.94% | 2.82% |
| PNB Housing Finance Ltd | 1.93% | 0.59% |
| Safari Industries (India) Ltd | 2.60% | 0.27% |
| KEI Industries Ltd | 0.62% | 0.23% |
| Cholamandalam Financial Holdings Ltd | 1.51% | 0.09% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 4.0% means 4.0% 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 Sundaram Long Term Tax Advantage Fund Series III
| Security | % of fund |
|---|---|
| MTAR Technologies Ltd | 7.41% |
| Aster DM Healthcare Ltd | 6.60% |
| Ujjivan Small Finance Bank Ltd | 5.38% |
| KSB LTD | 4.70% |
| Affle (India) Ltd | 4.28% |
Largest holdings only in WhiteOak Capital ELSS Tax Saver Fund
| Security | % of fund |
|---|---|
| ICICI Bank Limited | 8.15% |
| HDFC Bank Limited | 3.97% |
| Bharti Airtel Limited | 3.91% |
| Nestle India Limited | 3.52% |
| Kotak Mahindra Bank Limited | 2.56% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Sundaram Long Term Tax Advantage Fund Series III | WhiteOak Capital ELSS Tax Saver |
|---|---|---|
| Equity | 96.7% | 97.4% |
| Debt | 0.0% | 0.0% |
| Cash and others | 3.3% | 2.6% |
Market cap of stocks
| Market cap | Sundaram Long Term Tax Advantage Fund Series III | WhiteOak Capital ELSS Tax Saver |
|---|---|---|
| Large Cap | 5.9% | 52.3% |
| Mid Cap | 9.2% | 11.7% |
| Small Cap | 81.5% | 30.4% |
| Not on AMFI's list | 0.0% | 3.0% |
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 | Sundaram Long Term Tax Advantage Fund Series III | WhiteOak Capital ELSS Tax Saver |
|---|---|---|
| Banks | 12.6% | 20.3% |
| Finance | 10.5% | 7.6% |
| Industrial Products | 9.9% | 2.1% |
| Electrical Equipment | 8.6% | 2.6% |
| Consumer Durables | 7.8% | 5.0% |
| Healthcare Services | 6.6% | 2.4% |
| Pharmaceuticals & Biotechnology | 5.3% | 6.4% |
| IT - Software | 0.0% | 5.6% |
| Retailing | 3.9% | 5.5% |
The six largest sectors of each fund's stocks, % of the fund.
Sundaram Long Term Tax Advantage Fund Series III vs WhiteOak Capital ELSS Tax Saver: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Sundaram Long Term Tax Advantage Fund Series III | WhiteOak Capital ELSS Tax Saver Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.01% | 0.86% |
| Base expense ratio (Direct) | 0.80% | 0.64% |
| Total expense ratio (Regular) | 1.24% | 2.58% |
| Base expense ratio (Regular) | 1.00% | 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
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Sundaram Long Term Tax Advantage Fund Series III vs WhiteOak Capital ELSS Tax Saver Fund: Frequently Asked Questions
What is the difference between Sundaram Long Term Tax Advantage Fund Series III and WhiteOak Capital ELSS Tax Saver Fund?
Both are ELSS funds, run by Sundaram Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 4.0%. Sundaram Long Term Tax Advantage Fund Series III charges 1.01% a year and WhiteOak Capital ELSS Tax Saver Fund 0.86%.
Which has given higher returns, Sundaram Long Term Tax Advantage Fund Series III or WhiteOak Capital ELSS Tax Saver Fund?
Over 1 year: Sundaram Long Term Tax Advantage Fund Series III −3.46%, WhiteOak Capital ELSS Tax Saver Fund −2.32%. Over 3 years: Sundaram Long Term Tax Advantage Fund Series III +9.62% a year, WhiteOak Capital ELSS Tax Saver Fund +15.53% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Sundaram Long Term Tax Advantage Fund Series III or WhiteOak Capital ELSS Tax Saver Fund?
WhiteOak Capital ELSS Tax Saver Fund charges less: 0.86% a year against 1.01%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Sundaram Long Term Tax Advantage Fund Series III and WhiteOak Capital ELSS Tax Saver Fund overlap?
4.0%. They hold 5 of the same securities, the largest shared ones being ETERNAL, PNBHOUSING, SAFARI. From each fund's latest monthly portfolio.
Which is riskier, Sundaram Long Term Tax Advantage Fund Series III or WhiteOak Capital ELSS Tax Saver Fund?
On SEBI's riskometer, Sundaram Long Term Tax Advantage Fund Series III is rated Very High and WhiteOak Capital ELSS Tax Saver Fund Very High. Over 3 years, the standard deviation of daily returns was 16.42% and 14.09% a year.
Which is better for SIP, Sundaram Long Term Tax Advantage Fund Series III or WhiteOak Capital ELSS Tax Saver Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,90,747 in Sundaram Long Term Tax Advantage Fund Series III (XIRR 3.5% a year) and ₹4,11,468 in WhiteOak Capital ELSS Tax Saver Fund (XIRR 6.9% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Sundaram Long Term Tax Advantage Fund Series III and WhiteOak Capital ELSS Tax Saver Fund?
Yes. 4.0% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages Sundaram Long Term Tax Advantage Fund Series III and WhiteOak Capital ELSS Tax Saver Fund?
Sundaram Long Term Tax Advantage Fund Series III: Rohit Seksaria. WhiteOak Capital ELSS Tax Saver 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.