UTI - Flexi Cap Fund. vs WhiteOak Capital ESG Best-In-Class Strategy Fund
Direct Plan, Growth option · Data as on 30-10-2026
UTI - Flexi Cap Fund. is a Flexi Cap fund and WhiteOak Capital ESG Best-In-Class Strategy Fund is a Thematic fund. In the year to 30-10-2026, UTI - Flexi Cap Fund. (Direct) returned −5.6% and WhiteOak Capital ESG Best-In-Class Strategy Fund (Direct) returned −8.7%. UTI - Flexi Cap Fund. charges 1.17% a year and WhiteOak Capital ESG Best-In-Class Strategy Fund 0.98% (Direct plans). Their portfolios overlap 38.8%: they hold 17 of the same securities.
UTI - Flexi Cap Fund.
Flexi Cap
- 1 year return
- −5.6%
- Expense ratio
- 1.17%
- NAV
- ₹336.25
WhiteOak Capital ESG Best-In-Class Strategy Fund
Thematic
- 1 year return
- −8.7%
- Expense ratio
- 0.98%
- NAV
- ₹9.91
Which is better, UTI - Flexi Cap Fund. or WhiteOak Capital ESG Best-In-Class Strategy? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI - Flexi Cap Fund. returned more over 1 year: −5.6% against −8.7%.
- WhiteOak Capital ESG Best-In-Class Strategy costs less: 0.98% a year against 1.17% (Direct plans).
- WhiteOak Capital ESG Best-In-Class Strategy fell less in its worst fall since 31-10-2024: −17.2% against −19.8%.
- UTI - Flexi Cap Fund. is the larger fund: ₹22,495 Cr against ₹46 Cr.
- Their portfolios overlap 38.8%: 17 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 | UTI - Flexi Cap Fund. | WhiteOak Capital ESG Best-In-Class Strategy Fund |
|---|---|---|
| Fund house | UTI Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Flexi Cap | Thematic |
| AUM | ₹22,495 Cr (30-09-2026) | ₹46 Cr (30-09-2026) |
| NAV | ₹336.25 (Direct) | ₹9.91 (Direct) |
| Expense ratio (Direct) | 1.17% | 0.98% |
| Expense ratio (Regular) | 1.69% | 2.66% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty 500 TRI | Nifty 100 ESG TRI |
| Launch date | 01-08-1992 | 30-10-2024 |
| Minimum investment | Regular Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Growth- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000, | ₹500 |
| Lock in | None | None |
| Fund managers | Ajay Tyagi FM 1, Kamal Gada FM 2, Akash Shah FM 3, Not Applicable FM 4, Not Applicable FM 5 | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 year. | Nil |
UTI - Flexi Cap Fund. vs WhiteOak Capital ESG Best-In-Class Strategy: 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 |
|---|---|---|---|---|---|---|---|
| UTI - Flexi Cap Fund. (Direct) | +0.06% | −4.46% | +6.64% | −5.64% | +8.51% | +3.93% | +11.68% |
| WhiteOak Capital ESG Best-In-Class Strategy Fund (Direct) | +0.45% | −6.35% | −0.02% | −8.67% | -- | -- | -- |
| Flexi Cap average | −1.62% | −4.17% | +1.00% | −3.58% | +12.37% | +10.04% | +13.13% |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | -- | -- | -- |
Category average: the average of the 46 Flexi Cap funds and the 235 Thematic funds, same plan type.
UTI - Flexi Cap Fund. vs WhiteOak Capital ESG Best-In-Class Strategy: Year-wise Returns
| Year | UTI - Flexi Cap Fund.UTI - Flexi Cap Fund. | WhiteOak Capital ESG Best-In-Class StrategyWhiteOak Capital ESG Best-In-Class Strategy |
|---|---|---|
| 2026to date | −2.66% | −8.52% |
| 2025 | +1.71% | +6.74% |
| 2024 | +15.12% | -- |
| 2023 | +20.73% | -- |
| 2022 | −12.68% | -- |
| 2021 | +35.00% | -- |
UTI - Flexi Cap Fund. vs WhiteOak Capital ESG Best-In-Class Strategy: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of UTI - Flexi Cap Fund.
Rolling returns
Every 1-year holding period, 245 of them, one for each trading day from 31-10-2025 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.
UTI - Flexi Cap Fund. (Direct)
WhiteOak Capital ESG Best-In-Class Strategy Fund (Direct)
Nifty 500 TRI
to
Nov 2025Jan 2025
to
Jan 2026Apr 2025
to
Apr 2026Jun 2025
to
Jun 2026Aug 2025
to
Aug 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UTI - Flexi Cap Fund. | 55.9 | 36.3 | 7.8 | 0.0 | 0.0 | 0.0 | 0.0 | −1.1% | −1.2% | −10.2% | 7.1% | 7% |
| WhiteOak Capital ESG Best-In-Class Strategy | 49.0 | 18.8 | 24.1 | 8.2 | 0.0 | 0.0 | 0.0 | 1.1% | 0.2% | −10.8% | 12.4% | 17% |
| Nifty 500 TRI | 24.1 | 32.7 | 31.4 | 9.4 | 2.4 | 0.0 | 0.0 | 3.8% | 3.4% | −9.0% | 15.9% | -- |
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 Nifty 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 31-10-2024. Past returns do not promise future returns.
UTI - Flexi Cap Fund. vs WhiteOak Capital ESG Best-In-Class Strategy: 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 |
|---|---|---|---|---|
| UTI - Flexi Cap Fund.UTI - Flexi Cap Fund. (Direct) | ₹2,50,000 | ₹2,50,341 | ₹341 | 0.1% |
| WhiteOak Capital ESG Best-In-Class StrategyWhiteOak Capital ESG Best-In-Class Strategy Fund (Direct) | ₹2,50,000 | ₹2,43,216 | −₹6,784 | −2.5% |
UTI - Flexi Cap Fund.UTI - Flexi Cap Fund. (Direct)
WhiteOak Capital ESG Best-In-Class StrategyWhiteOak Capital ESG Best-In-Class Strategy 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.
UTI - Flexi Cap Fund. vs WhiteOak Capital ESG Best-In-Class Strategy: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | UTI - Flexi Cap Fund. (Direct) | WhiteOak Capital ESG Best-In-Class Strategy Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.64% | −8.67% |
| Standard deviation | 14.17% | 13.19% |
| Sharpe ratio | -0.77 | -1.06 |
| Sortino ratio | -1.05 | -1.39 |
| Maximum drawdown | −18.9% (23-03-2026) | −17.2% (30-03-2026) |
| Beta | 0.93 | 0.89 |
| Alpha | +0.85% | −4.11% |
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 | UTI - Flexi Cap Fund. (Direct) | WhiteOak Capital ESG Best-In-Class Strategy Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.83% | −0.21% |
| Standard deviation | 14.69% | 13.06% |
| Sharpe ratio | 0.46 | -0.45 |
| Sortino ratio | 0.63 | -0.61 |
| Maximum drawdown | −33.9% (23-03-2020) | −17.2% (30-03-2026) |
| Beta | 0.88 | 0.90 |
| Alpha | +0.83% | −1.43% |
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.
UTI - Flexi Cap Fund. (Direct)
WhiteOak Capital ESG Best-In-Class Strategy Fund (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| UTI - Flexi Cap Fund. (Direct) | −19.8% | 18-09-2025 | 23-03-2026 | 11-08-2026 | 5 months | −6.9% |
| WhiteOak Capital ESG Best-In-Class Strategy Fund (Direct) | −17.2% | 27-11-2025 | 30-03-2026 | Not yet | -- | −10.1% |
| Nifty 500 TRI | −14.7% | 13-12-2024 | 28-02-2025 | 09-06-2025 | 3 months | −8.4% |
From daily values since 31-10-2024, 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.
UTI - Flexi Cap Fund. (Direct)
WhiteOak Capital ESG Best-In-Class Strategy Fund (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| UTI - Flexi Cap Fund. (Direct) | 94% | 90% | 6.01% |
| WhiteOak Capital ESG Best-In-Class Strategy Fund (Direct) | 97% | 94% | 4.49% |
From month-end values since 31-10-2024. 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.
UTI - Flexi Cap Fund. vs WhiteOak Capital ESG Best-In-Class Strategy: Portfolio Overlap
From each fund's latest monthly portfolio: UTI - Flexi Cap Fund., September 2026; WhiteOak Capital ESG Best-In-Class Strategy Fund, September 2026
Holdings in common
- Overlap
- 38.8%
- Held by both
- 17
- Only in UTI - Flexi Cap Fund.
- 37
- Only in WhiteOak Capital ESG Best-In-Class Strategy
- 36
| Security | % of UTI - Flexi Cap Fund. | % of WhiteOak Capital ESG Best-In-Class Strategy |
|---|---|---|
| EQ - ICICI BANK LTD | 5.81% | 9.80% |
| EQ - HDFC BANK LIMITED | 4.61% | 6.42% |
| EQ - TITAN COMPANY LTD. | 3.94% | 3.52% |
| EQ - BHARTI AIRTEL LTD. | 3.37% | 6.06% |
| EQ - KOTAK MAHINDRA BANK LTD. | 3.41% | 3.15% |
| EQ - ETERNAL LIMITED | 6.56% | 3.10% |
| EQ - MAHINDRA & MAHINDRA LTD. | 2.44% | 4.38% |
| EQ - MARUTI SUZUKI INDIA LTD. | 2.06% | 2.53% |
| EQ - COFORGE LTD | 3.77% | 2.03% |
| EQ - INFO-EDGE (INDIA) LTD. | 3.59% | 1.74% |
| EQ- GLOBAL HEALTH LTD. | 2.00% | 1.47% |
| EQ - PIDILITE INDUSTRIES LTD. | 1.46% | 2.25% |
| EQ - TORRENT PHARMACEUTICALS LTD. | 1.45% | 2.38% |
| EQ - NESTLE INDIA LTD. | 1.02% | 6.16% |
| EQ - POLY MEDICURE LTD | 1.01% | 1.20% |
| EQ - ASIAN PAINTS (INDIA) LTD. | 0.52% | 1.71% |
| EQ - PERSISTENT SYSTEMS LTD. | 3.44% | 0.04% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 38.8% means 38.8% 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 UTI - Flexi Cap Fund.
| Security | % of fund |
|---|---|
| EQ - BAJAJ FINANCE LTD. | 5.53% |
| EQ - DIXON TECHNOLOGIES (INDIA) LTD | 3.61% |
| EQ - AVENUE SUPERMARTS LTD. | 2.84% |
| EQ - DR LAL PATHLABS LTD. | 2.22% |
| EQ - EICHER MOTORS LTD | 2.19% |
Largest holdings only in WhiteOak Capital ESG Best-In-Class Strategy Fund
| Security | % of fund |
|---|---|
| Nexus Select Trust - REIT | 2.88% |
| Bajaj Finserv Limited | 2.60% |
| Bharat Electronics Limited | 2.25% |
| Power Grid Corporation of India Limited | 1.86% |
| Max Financial Services Limited | 1.67% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | UTI - Flexi Cap Fund. | WhiteOak Capital ESG Best-In-Class Strategy |
|---|---|---|
| Equity | 97.0% | 90.2% |
| Debt | 0.2% | 4.4% |
| Cash and others | 2.7% | 5.4% |
Market cap of stocks
| Market cap | UTI - Flexi Cap Fund. | WhiteOak Capital ESG Best-In-Class Strategy |
|---|---|---|
| Large Cap | 58.4% | 65.1% |
| Mid Cap | 26.3% | 11.5% |
| Small Cap | 12.4% | 13.1% |
| Not on AMFI's list | 0.0% | 0.5% |
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 | UTI - Flexi Cap Fund. | WhiteOak Capital ESG Best-In-Class Strategy |
|---|---|---|
| Banks | 14.9% | 20.4% |
| Retailing | 16.6% | 4.8% |
| Consumer Durables | 10.4% | 7.0% |
| IT - Software | 9.3% | 5.3% |
| Pharmaceuticals & Biotechnology | 8.4% | 3.7% |
| Finance | 7.7% | 6.3% |
| Automobiles | 7.5% | 6.9% |
| Food Products | 1.0% | 6.2% |
| Telecom - Services | 3.4% | 6.1% |
The six largest sectors of each fund's stocks, % of the fund.
UTI - Flexi Cap Fund. vs WhiteOak Capital ESG Best-In-Class Strategy: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | UTI - Flexi Cap Fund. | WhiteOak Capital ESG Best-In-Class Strategy Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.17% | 0.98% |
| Base expense ratio (Direct) | 0.94% | 0.68% |
| Total expense ratio (Regular) | 1.69% | 2.66% |
| Base expense ratio (Regular) | 1.40% | 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 UTI - Flexi Cap Fund. with
Compare WhiteOak Capital ESG Best-In-Class Strategy with
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- WhiteOak Capital ESG Best-In-Class Strategy vs HDFC Defence
- WhiteOak Capital ESG Best-In-Class Strategy vs HDFC Pharma and Healthcare
- WhiteOak Capital ESG Best-In-Class Strategy vs SBI Healthcare Opportunities
- WhiteOak Capital ESG Best-In-Class Strategy vs Aditya Birla Sun Life International Equity
UTI - Flexi Cap Fund. vs WhiteOak Capital ESG Best-In-Class Strategy Fund: Frequently Asked Questions
What is the difference between UTI - Flexi Cap Fund. and WhiteOak Capital ESG Best-In-Class Strategy Fund?
UTI - Flexi Cap Fund. is a Flexi Cap fund, WhiteOak Capital ESG Best-In-Class Strategy Fund is a Thematic fund, run by UTI Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 38.8%. UTI - Flexi Cap Fund. charges 1.17% a year and WhiteOak Capital ESG Best-In-Class Strategy Fund 0.98%.
Which has given higher returns, UTI - Flexi Cap Fund. or WhiteOak Capital ESG Best-In-Class Strategy Fund?
Over 1 year: UTI - Flexi Cap Fund. −5.64%, WhiteOak Capital ESG Best-In-Class Strategy Fund −8.67%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, UTI - Flexi Cap Fund. or WhiteOak Capital ESG Best-In-Class Strategy Fund?
WhiteOak Capital ESG Best-In-Class Strategy Fund charges less: 0.98% a year against 1.17%. These are the Direct plans' total expense ratios reported to AMFI.
How much do UTI - Flexi Cap Fund. and WhiteOak Capital ESG Best-In-Class Strategy Fund overlap?
38.8%. They hold 17 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, TITAN. From each fund's latest monthly portfolio.
Which is riskier, UTI - Flexi Cap Fund. or WhiteOak Capital ESG Best-In-Class Strategy Fund?
On SEBI's riskometer, UTI - Flexi Cap Fund. is rated Very High and WhiteOak Capital ESG Best-In-Class Strategy Fund Very High. Over 1 years, the standard deviation of daily returns was 14.17% and 13.19% a year.
Can I invest in both UTI - Flexi Cap Fund. and WhiteOak Capital ESG Best-In-Class Strategy Fund?
Yes. 38.8% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages UTI - Flexi Cap Fund. and WhiteOak Capital ESG Best-In-Class Strategy Fund?
UTI - Flexi Cap Fund.: Ajay Tyagi FM 1, Kamal Gada FM 2, Akash Shah FM 3, Not Applicable FM 4, Not Applicable FM 5. WhiteOak Capital ESG Best-In-Class Strategy 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.