Sundaram Multi Asset Allocation Fund vs WhiteOak Capital Multi Asset Allocation Fund
Direct Plan, Growth option · Data as on 30-10-2026
Sundaram Multi Asset Allocation Fund and WhiteOak Capital Multi Asset Allocation Fund are both Multi Asset funds. In the year to 30-10-2026, Sundaram Multi Asset Allocation Fund (Direct) returned −2.8% and WhiteOak Capital Multi Asset Allocation Fund (Direct) returned 6.0%. Sundaram Multi Asset Allocation Fund charges 0.79% a year and WhiteOak Capital Multi Asset Allocation Fund 0.65% (Direct plans). Their portfolios overlap 14.5%: they hold 26 of the same securities.
Sundaram Multi Asset Allocation Fund
Multi Asset
- 1 year return
- −2.8%
- Expense ratio
- 0.79%
- NAV
- ₹13.02
WhiteOak Capital Multi Asset Allocation Fund
Multi Asset
- 1 year return
- 6.0%
- Expense ratio
- 0.65%
- NAV
- ₹16.30
Which is better, Sundaram Multi Asset Allocation or WhiteOak Capital Multi Asset Allocation? 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 Multi Asset Allocation returned more over 1 year: 6.0% against −2.8%.
- WhiteOak Capital Multi Asset Allocation costs less: 0.65% a year against 0.79% (Direct plans).
- WhiteOak Capital Multi Asset Allocation fell less in its worst fall since 29-01-2024: −6.1% against −13.1%.
- Sundaram Multi Asset Allocation holds more in large companies: 37.9% of the fund in large caps against 19.9%.
- WhiteOak Capital Multi Asset Allocation is the larger fund: ₹9,111 Cr against ₹3,205 Cr.
- Their portfolios overlap 14.5%: 26 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 Multi Asset Allocation Fund | WhiteOak Capital Multi Asset Allocation Fund |
|---|---|---|
| Fund house | Sundaram Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Multi Asset | Multi Asset |
| AUM | ₹3,205 Cr (30-09-2026) | ₹9,111 Cr (30-09-2026) |
| NAV | ₹13.02 (Direct) | ₹16.30 (Direct) |
| Expense ratio (Direct) | 0.79% | 0.65% |
| Expense ratio (Regular) | 2.10% | 1.67% |
| Riskometer | Very High | High |
| Benchmark | NIFTY 500 TRI 65% + NIFTY Short Duration Debt Index 10% + Domestic Prices of Gold 25% | 30% BSE 500 TRI + 50% CRISIL Short Term Bond Index + 16% Domestic prices of Gold + 1% Domestic prices of Silver + 3% iCO |
| Launch date | 25-01-2024 | 19-05-2023 |
| Minimum investment | ₹100 | ₹500 |
| Lock in | None | None |
| Fund managers | Rohit Seksaria, Clyton Richard Fernandes, Kumaresh Ramakrishnan, Arjun Nagarajan, Shalav Saket | Ramesh Mantri, Piyush Baranwal, Dheeresh Pathak, Ashish Agrawal, Trupti Agrawal |
| Exit load | Exit Load for units in excess of 30% of the investment,1% will be charged for redemption within 365 days. | Nil |
Sundaram Multi Asset Allocation vs WhiteOak Capital Multi Asset Allocation: 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 Multi Asset Allocation Fund (Direct) | −1.70% | −4.30% | −3.75% | −2.75% | -- | -- | -- |
| WhiteOak Capital Multi Asset Allocation Fund (Direct) | −1.16% | −1.15% | +1.63% | +6.03% | +16.11% | -- | -- |
| Multi Asset average | −1.71% | −3.33% | −1.78% | +2.00% | +14.20% | -- | -- |
Category average: the average of the 37 Multi Asset funds, same plan type.
Sundaram Multi Asset Allocation vs WhiteOak Capital Multi Asset Allocation: Year-wise Returns
| Year | SundaramSundaram Multi Asset Allocation | WhiteOak CapitalWhiteOak Capital Multi Asset Allocation |
|---|---|---|
| 2026to date | −4.86% | +4.15% |
| 2025 | +20.59% | +18.39% |
| 2024 | -- | +18.99% |
Sundaram Multi Asset Allocation vs WhiteOak Capital Multi Asset Allocation: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 431 of them, one for each trading day from 29-01-2025 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 Multi Asset Allocation Fund (Direct)
WhiteOak Capital Multi Asset Allocation Fund (Direct)
to
Mar 2025Jul 2024
to
Jul 2025Oct 2024
to
Oct 2025Feb 2025
to
Feb 2026May 2025
to
May 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sundaram Multi Asset Allocation | 3.2 | 2.6 | 24.6 | 43.2 | 12.5 | 12.8 | 1.2 | 12.6% | 12.2% | −5.0% | 28.0% |
| WhiteOak Capital Multi Asset Allocation | 0.0 | 0.0 | 4.7 | 27.8 | 62.4 | 5.2 | 0.0 | 15.9% | 16.6% | 5.2% | 22.7% |
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 29-01-2024. Past returns do not promise future returns.
Sundaram Multi Asset Allocation vs WhiteOak Capital Multi Asset Allocation: 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 29-01-2024 to 30-10-2026: 34 instalments, ₹3,40,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Sundaram Multi Asset AllocationSundaram Multi Asset Allocation Fund (Direct) | ₹3,40,000 | ₹3,66,449 | ₹26,449 | 5.2% |
| WhiteOak Capital Multi Asset AllocationWhiteOak Capital Multi Asset Allocation Fund (Direct) | ₹3,40,000 | ₹3,99,046 | ₹59,046 | 11.4% |
Sundaram Multi Asset AllocationSundaram Multi Asset Allocation Fund (Direct)
WhiteOak Capital Multi Asset AllocationWhiteOak Capital Multi Asset Allocation 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 Multi Asset Allocation vs WhiteOak Capital Multi Asset Allocation: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Sundaram Multi Asset Allocation Fund (Direct) | WhiteOak Capital Multi Asset Allocation Fund (Direct) |
|---|---|---|
| Return (CAGR) | −2.75% | +6.03% |
| Standard deviation | 13.43% | 6.99% |
| Sharpe ratio | -0.60 | 0.11 |
| Sortino ratio | -0.80 | 0.16 |
| Maximum drawdown | −13.1% (23-03-2026) | −6.1% (23-03-2026) |
| 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 | Sundaram Multi Asset Allocation Fund (Direct) | WhiteOak Capital Multi Asset Allocation Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.00% | +15.15% |
| Standard deviation | 10.71% | 5.49% |
| Sharpe ratio | 0.38 | 1.64 |
| Sortino ratio | 0.52 | 2.34 |
| Maximum drawdown | −13.1% (23-03-2026) | −6.1% (23-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-01-2024 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 Multi Asset Allocation Fund (Direct)
WhiteOak Capital Multi Asset Allocation Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Sundaram Multi Asset Allocation Fund (Direct) | −13.1% | 29-01-2026 | 23-03-2026 | Not yet | -- | −9.7% |
| WhiteOak Capital Multi Asset Allocation Fund (Direct) | −6.1% | 02-03-2026 | 23-03-2026 | 16-06-2026 | 3 months | −3.8% |
From daily values since 29-01-2024, 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.
Sundaram Multi Asset Allocation Fund (Direct)
WhiteOak Capital Multi Asset Allocation Fund (Direct)
Sundaram Multi Asset Allocation vs WhiteOak Capital Multi Asset Allocation: Portfolio Overlap
From each fund's latest monthly portfolio: Sundaram Multi Asset Allocation Fund, September 2026; WhiteOak Capital Multi Asset Allocation Fund, September 2026
Holdings in common
- Overlap
- 14.5%
- Held by both
- 26
- Only in Sundaram Multi Asset Allocation
- 42
- Only in WhiteOak Capital Multi Asset Allocation
- 174
| Security | % of Sundaram Multi Asset Allocation | % of WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| ICICI Bank Ltd | 4.67% | 2.89% |
| DSP-GOLD ETF | 1.98% | 1.75% |
| Bharti Airtel Ltd | 3.11% | 1.41% |
| HDFC Bank Ltd | 2.87% | 1.30% |
| Eternal Ltd (Previously Zomato Ltd) | 2.47% | 0.85% |
| Reliance Industries Ltd | 3.52% | 0.80% |
| Coforge Ltd | 1.40% | 0.80% |
| Mahindra & Mahindra Ltd | 1.45% | 0.79% |
| Kotak Mahindra Bank Ltd | 1.97% | 0.69% |
| 6.94% Central Government Securities 11/05/2036 | 0.61% | 2.16% |
| Ultratech Cement Ltd | 0.93% | 0.52% |
| Hindalco Industries Ltd | 1.59% | 0.29% |
| Larsen & Toubro Ltd | 3.17% | 0.28% |
| Bajaj Finserv Ltd | 1.24% | 0.26% |
| Vedanta Aluminium Metal Ltd | 1.36% | 0.18% |
| Sun Pharmaceutical Industries Ltd | 1.04% | 0.17% |
| Cholamandalam Investment and Finance Company Ltd | 1.51% | 0.15% |
| Billionbrains Garage Ventures Ltd | 1.11% | 0.15% |
| TD Power Systems Ltd | 0.51% | 0.14% |
| Gland Pharma Ltd | 0.76% | 0.10% |
| PB Fintech Ltd | 1.03% | 0.09% |
| Cummins India Ltd | 1.16% | 0.07% |
| Mankind Pharma Ltd | 0.85% | 0.06% |
| Horizon Industrial Parks Ltd | 0.84% | 0.06% |
| SBI Life Insurance Company Ltd | 1.06% | 0.04% |
| 6.48% Central Government Securities 06/10/2035 | 0.75% | 0.04% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 14.5% means 14.5% 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 Multi Asset Allocation Fund
| Security | % of fund |
|---|---|
| SBI-ETF GOLD | 7.17% |
| Nippon India ETF Gold Bees | 4.94% |
| Kotak Mutual Fund - Gold Exchange Traded Fund | 3.69% |
| 7.38% Central Government Securities 20/06/2027 | 3.30% |
| HDFC Gold Exchange Traded Fund | 3.17% |
Largest holdings only in WhiteOak Capital Multi Asset Allocation Fund
| Security | % of fund |
|---|---|
| Nexus Select Trust - REIT | 3.64% |
| Embassy Office Parks REIT | 2.88% |
| ICICI Prudential Gold ETF | 2.82% |
| Cube Highways Trust-InvIT Fund | 2.53% |
| Knowledge Realty Trust | 2.18% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Sundaram Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| Equity | 67.7% | 28.2% |
| Debt | 10.3% | 31.0% |
| Cash and others | 22.0% | 40.8% |
Market cap of stocks
| Market cap | Sundaram Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| Large Cap | 37.9% | 19.9% |
| Mid Cap | 15.6% | 3.1% |
| Small Cap | 12.6% | 3.5% |
| Foreign stocks | 0.0% | 0.4% |
| Not on AMFI's list | 1.6% | 1.4% |
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 Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| Banks | 9.5% | 6.2% |
| Finance | 5.5% | 1.7% |
| Automobiles | 5.3% | 1.3% |
| Pharmaceuticals & Biotechnology | 5.0% | 1.9% |
| It - Software | 4.1% | 0.0% |
| Petroleum Products | 3.5% | 0.8% |
| Telecom - Services | 3.1% | 1.4% |
| IT - Software | 0.0% | 2.0% |
| Food Products | 0.7% | 1.4% |
The six largest sectors of each fund's stocks, % of the fund.
Sundaram Multi Asset Allocation vs WhiteOak Capital Multi Asset Allocation: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Sundaram Multi Asset Allocation Fund | WhiteOak Capital Multi Asset Allocation Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.79% | 0.65% |
| Base expense ratio (Direct) | 0.44% | 0.38% |
| Total expense ratio (Regular) | 2.10% | 1.67% |
| Base expense ratio (Regular) | 1.58% | 1.25% |
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 Sundaram Multi Asset Allocation with
Compare WhiteOak Capital Multi Asset Allocation with
Sundaram Multi Asset Allocation Fund vs WhiteOak Capital Multi Asset Allocation Fund: Frequently Asked Questions
What is the difference between Sundaram Multi Asset Allocation Fund and WhiteOak Capital Multi Asset Allocation Fund?
Both are Multi Asset funds, run by Sundaram Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 14.5%. Sundaram Multi Asset Allocation Fund charges 0.79% a year and WhiteOak Capital Multi Asset Allocation Fund 0.65%.
Which has given higher returns, Sundaram Multi Asset Allocation Fund or WhiteOak Capital Multi Asset Allocation Fund?
Over 1 year: Sundaram Multi Asset Allocation Fund −2.75%, WhiteOak Capital Multi Asset Allocation Fund +6.03%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Sundaram Multi Asset Allocation Fund or WhiteOak Capital Multi Asset Allocation Fund?
WhiteOak Capital Multi Asset Allocation Fund charges less: 0.65% a year against 0.79%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Sundaram Multi Asset Allocation Fund and WhiteOak Capital Multi Asset Allocation Fund overlap?
14.5%. They hold 26 of the same securities, the largest shared ones being ICICIBANK, GOLDADD, BHARTIARTL. From each fund's latest monthly portfolio.
Which is riskier, Sundaram Multi Asset Allocation Fund or WhiteOak Capital Multi Asset Allocation Fund?
On SEBI's riskometer, Sundaram Multi Asset Allocation Fund is rated Very High and WhiteOak Capital Multi Asset Allocation Fund High. Over 1 years, the standard deviation of daily returns was 13.43% and 6.99% a year.
Can I invest in both Sundaram Multi Asset Allocation Fund and WhiteOak Capital Multi Asset Allocation Fund?
Yes. 14.5% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Sundaram Multi Asset Allocation Fund and WhiteOak Capital Multi Asset Allocation Fund?
Sundaram Multi Asset Allocation Fund: Rohit Seksaria, Clyton Richard Fernandes, Kumaresh Ramakrishnan, Arjun Nagarajan, Shalav Saket. WhiteOak Capital Multi Asset Allocation Fund: Ramesh Mantri, Piyush Baranwal, Dheeresh Pathak, Ashish Agrawal, Trupti 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.