UTI - Unit Linked Insurance Plan vs WhiteOak Capital Large & Mid Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
UTI - Unit Linked Insurance Plan is a Balanced Advantage fund and WhiteOak Capital Large & Mid Cap Fund is a Large & Mid Cap fund. In the year to 30-10-2026, UTI - Unit Linked Insurance Plan (Direct) returned −0.5% and WhiteOak Capital Large & Mid Cap Fund (Direct) returned −2.3%. UTI - Unit Linked Insurance Plan charges 1.11% a year and WhiteOak Capital Large & Mid Cap Fund 0.89% (Direct plans). Their portfolios overlap 22.1%: they hold 25 of the same securities.
UTI - Unit Linked Insurance Plan
Balanced Advantage
- 1 year return
- −0.5%
- Expense ratio
- 1.11%
- NAV
- ₹45.91
WhiteOak Capital Large & Mid Cap Fund
Large & Mid Cap
- 1 year return
- −2.3%
- Expense ratio
- 0.89%
- NAV
- ₹13.69
Which is better, UTI - Unit Linked Insurance Plan or WhiteOak Capital Large & Mid Cap? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI - Unit Linked Insurance Plan returned more over 1 year: −0.5% against −2.3%.
- WhiteOak Capital Large & Mid Cap costs less: 0.89% a year against 1.11% (Direct plans).
- UTI - Unit Linked Insurance Plan fell less in its worst fall since 26-12-2023: −8.2% against −16.0%.
- WhiteOak Capital Large & Mid Cap holds more in large companies: 47.1% of the fund in large caps against 23.8%.
- UTI - Unit Linked Insurance Plan is the larger fund: ₹4,930 Cr against ₹2,376 Cr.
- Their portfolios overlap 22.1%: 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 | UTI - Unit Linked Insurance Plan | WhiteOak Capital Large & Mid Cap Fund |
|---|---|---|
| Fund house | UTI Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Balanced Advantage | Large & Mid Cap |
| AUM | ₹4,930 Cr (30-09-2026) | ₹2,376 Cr (30-09-2026) |
| NAV | ₹45.91 (Direct) | ₹13.69 (Direct) |
| Expense ratio (Direct) | 1.11% | 0.89% |
| Expense ratio (Regular) | 1.60% | 2.35% |
| Riskometer | High | Very High |
| Benchmark | NIFTY 50 Hybrid Composite Debt 50:50 Index | BSE 250 Large MidCap TRI |
| Launch date | 01-10-1971 | 22-12-2023 |
| Minimum investment | Minimum target amount under the scheme is 15000 which is required to be invested over 10/15 year period. | ₹500 |
| Lock in | None | None |
| Fund managers | Anurag Mittal FM 1, Ajay Tyagi FM 2, Kamal Gada FM 3 Mr. Akash Shah FM 4 | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | If withdrawn prematurely – 2% On or after maturity – Nil | Nil |
UTI - Unit Linked Insurance Plan vs WhiteOak Capital Large & Mid 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 |
|---|---|---|---|---|---|---|---|
| UTI - Unit Linked Insurance Plan (Direct) | −0.03% | −2.17% | +3.96% | −0.53% | +7.84% | +5.73% | +7.58% |
| WhiteOak Capital Large & Mid Cap Fund (Direct) | −0.04% | −5.49% | +0.97% | −2.30% | -- | -- | -- |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | +8.35% | +9.91% |
| Large & Mid Cap average | −1.78% | −5.20% | −0.43% | −3.99% | -- | -- | -- |
Category average: the average of the 38 Balanced Advantage funds and the 36 Large & Mid Cap funds, same plan type.
UTI - Unit Linked Insurance Plan vs WhiteOak Capital Large & Mid Cap: Year-wise Returns
| Year | UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan | WhiteOak Capital Large & Mid CapWhiteOak Capital Large & Mid Cap |
|---|---|---|
| 2026to date | +0.38% | −2.41% |
| 2025 | +5.12% | +8.25% |
| 2024 | +12.24% | +27.61% |
| 2023 | +12.76% | -- |
| 2022 | −1.60% | -- |
| 2021 | +15.42% | -- |
UTI - Unit Linked Insurance Plan vs WhiteOak Capital Large & Mid Cap: Rolling Returns
Every holding period of both funds, against BSE 250 LargeMidCap Index TRI, the benchmark of WhiteOak Capital Large & Mid Cap Fund
Rolling returns
Every 1-year holding period, 455 of them, one for each trading day from 26-12-2024 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 - Unit Linked Insurance Plan (Direct)
WhiteOak Capital Large & Mid Cap Fund (Direct)
BSE 250 LargeMidCap Index TRI
to
Feb 2025Jun 2024
to
Jun 2025Oct 2024
to
Oct 2025Jan 2025
to
Jan 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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UTI - Unit Linked Insurance Plan | 11.9 | 30.3 | 31.9 | 25.9 | 0.0 | 0.0 | 0.0 | 5.9% | 5.5% | −2.6% | 14.7% | 67% |
| WhiteOak Capital Large & Mid Cap | 3.3 | 19.1 | 34.5 | 28.4 | 10.3 | 2.2 | 2.2 | 9.6% | 9.1% | −4.5% | 30.6% | 98% |
| BSE 250 LargeMidCap Index TRI | 26.4 | 32.1 | 27.5 | 11.4 | 2.6 | 0.0 | 0.0 | 4.0% | 3.8% | −9.6% | 17.4% | -- |
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 250 LargeMidCap Index 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 26-12-2023. Past returns do not promise future returns.
UTI - Unit Linked Insurance Plan vs WhiteOak Capital Large & Mid 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 01-12-2023 to 30-10-2026: 35 instalments, ₹3,50,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan (Direct) | ₹3,50,000 | ₹3,71,809 | ₹21,809 | 4.1% |
| WhiteOak Capital Large & Mid CapWhiteOak Capital Large & Mid Cap Fund (Direct) | ₹3,50,000 | ₹3,80,307 | ₹30,307 | 5.6% |
UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan (Direct)
WhiteOak Capital Large & Mid CapWhiteOak Capital Large & Mid 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.
UTI - Unit Linked Insurance Plan vs WhiteOak Capital Large & Mid Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | UTI - Unit Linked Insurance Plan (Direct) | WhiteOak Capital Large & Mid Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −0.53% | −2.30% |
| Standard deviation | 6.39% | 13.60% |
| Sharpe ratio | -0.90 | -0.55 |
| Sortino ratio | -1.23 | -0.74 |
| Maximum drawdown | −8.2% (30-03-2026) | −13.1% (23-03-2026) |
| Beta | -- | 0.94 |
| Alpha | -- | +4.89% |
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 - Unit Linked Insurance Plan (Direct) | WhiteOak Capital Large & Mid Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.05% | +11.50% |
| Standard deviation | 7.17% | 14.33% |
| Sharpe ratio | 0.14 | 0.39 |
| Sortino ratio | 0.17 | 0.52 |
| Maximum drawdown | −17.9% (23-03-2020) | −16.0% (28-02-2025) |
| Beta | -- | 0.98 |
| Alpha | -- | +6.03% |
From daily NAVs, 09-01-2013 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 - Unit Linked Insurance Plan (Direct)
WhiteOak Capital Large & Mid Cap Fund (Direct)
BSE 250 LargeMidCap Index TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| UTI - Unit Linked Insurance Plan (Direct) | −8.2% | 16-10-2025 | 30-03-2026 | 06-07-2026 | 3 months | −3.4% |
| WhiteOak Capital Large & Mid Cap Fund (Direct) | −16.0% | 16-12-2024 | 28-02-2025 | 26-06-2025 | 4 months | −7.4% |
| BSE 250 LargeMidCap Index TRI | −18.0% | 26-09-2024 | 28-02-2025 | 02-01-2026 | 10 months | −9.4% |
From daily values since 26-12-2023, 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 - Unit Linked Insurance Plan (Direct)
WhiteOak Capital Large & Mid Cap Fund (Direct)
BSE 250 LargeMidCap Index TRI
Against BSE 250 LargeMidCap Index TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| UTI - Unit Linked Insurance Plan (Direct) | 56% | 37% | 8.59% |
| WhiteOak Capital Large & Mid Cap Fund (Direct) | 118% | 87% | 3.81% |
From month-end values since 26-12-2023. 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 - Unit Linked Insurance Plan vs WhiteOak Capital Large & Mid Cap: Portfolio Overlap
From each fund's latest monthly portfolio: UTI - Unit Linked Insurance Plan, September 2026; WhiteOak Capital Large & Mid Cap Fund, September 2026
Holdings in common
- Overlap
- 22.1%
- Held by both
- 25
- Only in UTI - Unit Linked Insurance Plan
- 83
- Only in WhiteOak Capital Large & Mid Cap
- 102
| Security | % of UTI - Unit Linked Insurance Plan | % of WhiteOak Capital Large & Mid Cap |
|---|---|---|
| EQ - ICICI BANK LTD | 2.53% | 6.63% |
| EQ - ETERNAL LIMITED | 2.89% | 2.41% |
| EQ - HDFC BANK LIMITED | 2.03% | 2.72% |
| EQ - TITAN COMPANY LTD. | 1.72% | 1.64% |
| EQ - KOTAK MAHINDRA BANK LTD. | 1.51% | 1.69% |
| EQ - BHARTI AIRTEL LTD. | 1.46% | 2.73% |
| EQ - INFO-EDGE (INDIA) LTD. | 1.55% | 1.07% |
| EQ - MAHINDRA & MAHINDRA LTD. | 1.04% | 2.13% |
| EQ - MARUTI SUZUKI INDIA LTD. | 0.87% | 1.31% |
| EQ - DIVIS LABORATORIES LTD. | 0.75% | 1.12% |
| EQ - COFORGE LTD | 1.62% | 0.72% |
| EQ - PERSISTENT SYSTEMS LTD. | 1.45% | 0.70% |
| EQ - AJANTA PHARMA LTD. | 0.92% | 0.70% |
| EQ - BAJAJ FINANCE LTD. | 2.34% | 0.67% |
| EQ - TORRENT PHARMACEUTICALS LTD. | 0.60% | 1.10% |
| EQ - PIDILITE INDUSTRIES LTD. | 0.59% | 0.48% |
| EQ - IPCA LABORATORIES LTD. | 0.45% | 0.94% |
| EQ - MARICO LTD | 0.44% | 0.84% |
| EQ - NESTLE INDIA LTD. | 0.44% | 3.38% |
| EQ - POLY MEDICURE LTD | 0.44% | 0.42% |
| EQ - BERGER PAINTS INDIA LTD. | 0.35% | 0.82% |
| EQ - GLAND PHARMA LTD. | 0.48% | 0.25% |
| EQ - ASIAN PAINTS (INDIA) LTD. | 0.25% | 0.53% |
| EQ - PAGE INDUSTRIES | 0.15% | 0.26% |
| EQ - AU SMALL FINANCE BANK LTD | 0.43% | 0.13% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 22.1% means 22.1% 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 UTI - Unit Linked Insurance Plan
| Security | % of fund |
|---|---|
| 07.18% GSEC MAT -24/07/2037 | 8.09% |
| 07.32% GSEC MAT -13/11/2030 | 4.12% |
| 7.24% GSEC MAT- 18/08/2055 | 2.60% |
| NCD MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD | 2.53% |
| NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED | 2.01% |
Largest holdings only in WhiteOak Capital Large & Mid Cap Fund
| Security | % of fund |
|---|---|
| State Bank of India | 2.22% |
| The Federal Bank Limited | 1.97% |
| Max Financial Services Limited | 1.78% |
| Reliance Industries Limited | 1.75% |
| Laurus Labs Limited | 1.75% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | UTI - Unit Linked Insurance Plan | WhiteOak Capital Large & Mid Cap |
|---|---|---|
| Equity | 38.0% | 85.9% |
| Debt | 53.3% | 4.3% |
| Cash and others | 8.7% | 9.8% |
Market cap of stocks
| Market cap | UTI - Unit Linked Insurance Plan | WhiteOak Capital Large & Mid Cap |
|---|---|---|
| Large Cap | 23.8% | 47.1% |
| Mid Cap | 10.7% | 36.0% |
| Small Cap | 3.5% | 2.3% |
| 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 - Unit Linked Insurance Plan | WhiteOak Capital Large & Mid Cap |
|---|---|---|
| Banks | 6.5% | 18.1% |
| Pharmaceuticals & Biotechnology | 3.4% | 9.1% |
| Retailing | 6.7% | 5.7% |
| Finance | 2.6% | 4.8% |
| Telecom - Services | 1.5% | 4.3% |
| Consumer Durables | 4.3% | 3.0% |
| Automobiles | 2.8% | 4.2% |
| IT - Software | 4.0% | 3.1% |
The six largest sectors of each fund's stocks, % of the fund.
UTI - Unit Linked Insurance Plan vs WhiteOak Capital Large & Mid Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | UTI - Unit Linked Insurance Plan | WhiteOak Capital Large & Mid Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.11% | 0.89% |
| Base expense ratio (Direct) | 0.92% | 0.48% |
| Total expense ratio (Regular) | 1.60% | 2.35% |
| Base expense ratio (Regular) | 1.37% | 1.72% |
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.
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UTI - Unit Linked Insurance Plan vs WhiteOak Capital Large & Mid Cap Fund: Frequently Asked Questions
What is the difference between UTI - Unit Linked Insurance Plan and WhiteOak Capital Large & Mid Cap Fund?
UTI - Unit Linked Insurance Plan is a Balanced Advantage fund, WhiteOak Capital Large & Mid Cap Fund is a Large & Mid Cap fund, run by UTI Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 22.1%. UTI - Unit Linked Insurance Plan charges 1.11% a year and WhiteOak Capital Large & Mid Cap Fund 0.89%.
Which has given higher returns, UTI - Unit Linked Insurance Plan or WhiteOak Capital Large & Mid Cap Fund?
Over 1 year: UTI - Unit Linked Insurance Plan −0.53%, WhiteOak Capital Large & Mid Cap Fund −2.30%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, UTI - Unit Linked Insurance Plan or WhiteOak Capital Large & Mid Cap Fund?
WhiteOak Capital Large & Mid Cap Fund charges less: 0.89% a year against 1.11%. These are the Direct plans' total expense ratios reported to AMFI.
How much do UTI - Unit Linked Insurance Plan and WhiteOak Capital Large & Mid Cap Fund overlap?
22.1%. They hold 25 of the same securities, the largest shared ones being ICICIBANK, ETERNAL, HDFCBANK. From each fund's latest monthly portfolio.
Which is riskier, UTI - Unit Linked Insurance Plan or WhiteOak Capital Large & Mid Cap Fund?
On SEBI's riskometer, UTI - Unit Linked Insurance Plan is rated High and WhiteOak Capital Large & Mid Cap Fund Very High. Over 1 years, the standard deviation of daily returns was 6.39% and 13.60% a year.
Can I invest in both UTI - Unit Linked Insurance Plan and WhiteOak Capital Large & Mid Cap Fund?
Yes. 22.1% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages UTI - Unit Linked Insurance Plan and WhiteOak Capital Large & Mid Cap Fund?
UTI - Unit Linked Insurance Plan: Anurag Mittal FM 1, Ajay Tyagi FM 2, Kamal Gada FM 3 Mr. Akash Shah FM 4. WhiteOak Capital Large & Mid Cap 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.