WhiteOak Capital Balanced Advantage Fund vs WhiteOak Capital Equity Savings Fund
Direct Plan, Growth option · Data as on 30-10-2026
WhiteOak Capital Balanced Advantage Fund is a Balanced Advantage fund and WhiteOak Capital Equity Savings Fund is an Equity Savings fund. In the year to 30-10-2026, WhiteOak Capital Balanced Advantage Fund (Direct) returned −0.6% and WhiteOak Capital Equity Savings Fund (Direct) returned 4.3%. WhiteOak Capital Balanced Advantage Fund charges 0.84% a year and WhiteOak Capital Equity Savings Fund 1.51% (Direct plans). Their portfolios overlap 47.1%: they hold 96 of the same securities.
WhiteOak Capital Balanced Advantage Fund
Balanced Advantage
- 1 year return
- −0.6%
- Expense ratio
- 0.84%
- NAV
- ₹15.21
WhiteOak Capital Equity Savings Fund
Equity Savings
- 1 year return
- 4.3%
- Expense ratio
- 1.51%
- NAV
- ₹11.71
Which is better, WhiteOak Capital Balanced Advantage or WhiteOak Capital Equity Savings? 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 Equity Savings returned more over 1 year: 4.3% against −0.6%.
- WhiteOak Capital Balanced Advantage costs less: 0.84% a year against 1.51% (Direct plans).
- WhiteOak Capital Equity Savings fell less in its worst fall since 13-03-2025: −3.8% against −9.6%.
- WhiteOak Capital Balanced Advantage is the larger fund: ₹2,256 Cr against ₹271 Cr.
- Their portfolios overlap 47.1%: 96 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 | WhiteOak Capital Balanced Advantage Fund | WhiteOak Capital Equity Savings Fund |
|---|---|---|
| Fund house | WhiteOak Capital Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Balanced Advantage | Equity Savings |
| AUM | ₹2,256 Cr (30-09-2026) | ₹271 Cr (30-09-2026) |
| NAV | ₹15.21 (Direct) | ₹11.71 (Direct) |
| Expense ratio (Direct) | 0.84% | 1.51% |
| Expense ratio (Regular) | 2.25% | 2.99% |
| Riskometer | Very High | Moderate |
| Benchmark | CRISIL Hybrid 50+50 - Moderate Index | Nifty Equity Savings TRI |
| Launch date | 10-02-2023 | 12-03-2025 |
| Minimum investment | ₹500 | ₹500 |
| Lock in | None | None |
| Fund managers | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal, Bhavin Patadia |
| Exit load | Nil | Nil |
WhiteOak Capital Balanced Advantage vs WhiteOak Capital Equity Savings: 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 |
|---|---|---|---|---|---|---|---|
| WhiteOak Capital Balanced Advantage Fund (Direct) | −0.45% | −2.43% | +2.18% | −0.57% | +11.37% | -- | -- |
| WhiteOak Capital Equity Savings Fund (Direct) | +0.01% | −0.36% | +2.93% | +4.28% | -- | -- | -- |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | -- | -- |
| Equity Savings average | −0.02% | −0.68% | +1.71% | +2.12% | -- | -- | -- |
Category average: the average of the 38 Balanced Advantage funds and the 23 Equity Savings funds, same plan type.
WhiteOak Capital Balanced Advantage vs WhiteOak Capital Equity Savings: Year-wise Returns
| Year | Balanced AdvantageWhiteOak Capital Balanced Advantage | Equity SavingsWhiteOak Capital Equity Savings |
|---|---|---|
| 2026to date | −0.97% | +2.68% |
| 2025 | +8.62% | -- |
| 2024 | +18.70% | -- |
WhiteOak Capital Balanced Advantage vs WhiteOak Capital Equity Savings: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 155 of them, one for each trading day from 13-03-2026 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.
WhiteOak Capital Balanced Advantage Fund (Direct)
WhiteOak Capital Equity Savings Fund (Direct)
to
Mar 2026May 2025
to
May 2026Jun 2025
to
Jun 2026Jul 2025
to
Jul 2026Sept 2025
to
Sept 2026Oct 2025
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| WhiteOak Capital Balanced Advantage | 5.8 | 64.5 | 29.7 | 0.0 | 0.0 | 0.0 | 0.0 | 3.5% | 3.3% | −2.1% | 9.0% |
| WhiteOak Capital Equity Savings | 0.0 | 7.1 | 78.1 | 14.8 | 0.0 | 0.0 | 0.0 | 8.5% | 8.9% | 3.7% | 12.5% |
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 13-03-2025. Past returns do not promise future returns.
WhiteOak Capital Balanced Advantage vs WhiteOak Capital Equity Savings: 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 03-03-2025 to 30-10-2026: 20 instalments, ₹2,00,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| WhiteOak Capital Balanced AdvantageWhiteOak Capital Balanced Advantage Fund (Direct) | ₹2,00,000 | ₹2,04,791 | ₹4,791 | 2.8% |
| WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings Fund (Direct) | ₹2,00,000 | ₹2,11,300 | ₹11,300 | 6.5% |
WhiteOak Capital Balanced AdvantageWhiteOak Capital Balanced Advantage Fund (Direct)
WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings 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.
WhiteOak Capital Balanced Advantage vs WhiteOak Capital Equity Savings: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | WhiteOak Capital Balanced Advantage Fund (Direct) | WhiteOak Capital Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | −0.57% | +4.28% |
| Standard deviation | 8.98% | 3.74% |
| Sharpe ratio | -0.65 | -0.26 |
| Sortino ratio | -0.87 | -0.35 |
| Maximum drawdown | −9.6% (30-03-2026) | −3.8% (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 | WhiteOak Capital Balanced Advantage Fund (Direct) | WhiteOak Capital Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.11% | +10.18% |
| Standard deviation | 7.79% | 3.78% |
| Sharpe ratio | 0.76 | 1.26 |
| Sortino ratio | 1.06 | 1.87 |
| Maximum drawdown | −9.6% (30-03-2026) | −3.8% (23-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 13-02-2023 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.
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.
WhiteOak Capital Balanced Advantage Fund (Direct)
WhiteOak Capital Equity Savings Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| WhiteOak Capital Balanced Advantage Fund (Direct) | −9.6% | 20-11-2025 | 30-03-2026 | 06-07-2026 | 3 months | −4.2% |
| WhiteOak Capital Equity Savings Fund (Direct) | −3.8% | 11-02-2026 | 23-03-2026 | 17-06-2026 | 3 months | −1.3% |
From daily values since 13-03-2025, 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.
WhiteOak Capital Balanced Advantage Fund (Direct)
WhiteOak Capital Equity Savings Fund (Direct)
WhiteOak Capital Balanced Advantage vs WhiteOak Capital Equity Savings: Portfolio Overlap
From each fund's latest monthly portfolio: WhiteOak Capital Balanced Advantage Fund, September 2026; WhiteOak Capital Equity Savings Fund, September 2026
Holdings in common
- Overlap
- 47.1%
- Held by both
- 96
- Only in WhiteOak Capital Balanced Advantage
- 44
- Only in WhiteOak Capital Equity Savings
- 40
| Security | % of WhiteOak Capital Balanced Advantage | % of WhiteOak Capital Equity Savings |
|---|---|---|
| ICICI Bank Limited | 6.97% | 9.66% |
| HDFC Bank Limited | 3.93% | 5.84% |
| Nexus Select Trust - REIT | 2.71% | 2.69% |
| Bharti Airtel Limited | 2.87% | 2.68% |
| Coforge Limited | 2.47% | 2.80% |
| Eternal Limited | 1.94% | 1.73% |
| Kotak Mahindra Bank Limited | 1.88% | 1.68% |
| Embassy Office Parks REIT | 2.82% | 1.60% |
| State Bank of India | 1.90% | 1.50% |
| 6.94% Government of India (11/05/2036) | 1.42% | 2.54% |
| Adani Enterprises Limited | 1.27% | 2.09% |
| Reliance Industries Limited | 1.75% | 0.99% |
| 6.28% Government of India (14/07/2032) | 0.97% | 5.15% |
| Axis Bank Limited | 0.96% | 1.80% |
| Hindalco Industries Limited | 0.78% | 1.92% |
| Brookfield India Real Estate Trust | 0.73% | 1.53% |
| Nestle India Limited | 2.51% | 0.65% |
| 6.36% Government of India (16/02/2031) | 0.65% | 2.90% |
| Mahindra & Mahindra Limited | 1.93% | 0.61% |
| 6.54% Government of India (17/01/2032) | 0.59% | 1.81% |
| Muthoot Finance Limited | 0.56% | 1.88% |
| Bajaj Finserv Limited | 0.49% | 0.58% |
| Bharat Electronics Limited | 1.18% | 0.48% |
| Cummins India Limited | 0.48% | 1.16% |
| Torrent Pharmaceuticals Limited | 1.39% | 0.47% |
| Titan Company Limited | 1.35% | 0.45% |
| 7.40 % National Bank For Agriculture and Rural Development (29/04/2030) | 0.44% | 0.73% |
| Maruti Suzuki India Limited | 1.23% | 0.36% |
| 6.65% Indian Railway Finance Corporation Limited (20/05/2030) | 0.43% | 0.36% |
| Knowledge Realty Trust | 1.55% | 0.33% |
| Power Finance Corporation Limited | 0.31% | 0.44% |
| Biocon Limited | 0.31% | 1.06% |
| Larsen & Toubro Limited | 0.71% | 0.25% |
| SBI Life Insurance Company Limited | 0.25% | 1.60% |
| Cipla Limited | 0.24% | 0.27% |
| Persistent Systems Limited | 0.76% | 0.21% |
| Tech Mahindra Limited | 0.62% | 0.20% |
| Hy-Tech Engineers Limited | 0.19% | 0.31% |
| National Stock Exchange Of India Ltd | 0.49% | 0.18% |
| Tata Consultancy Services Limited | 0.58% | 0.17% |
| Pidilite Industries Limited | 0.53% | 0.17% |
| Divi's Laboratories Limited | 0.50% | 0.17% |
| Infosys Limited | 0.71% | 0.16% |
| SS Retail Limited | 0.16% | 0.16% |
| PNB Housing Finance Limited | 0.16% | 0.19% |
| Lenskart Solutions Limited | 0.47% | 0.15% |
| Tata Steel Limited | 0.46% | 0.15% |
| Max Financial Services Limited | 0.40% | 0.15% |
| NTPC Limited | 0.53% | 0.14% |
| Navin Fluorine International Limited | 0.45% | 0.14% |
| Oil & Natural Gas Corporation Limited | 0.39% | 0.14% |
| Aadhar Housing Finance Limited | 0.48% | 0.13% |
| Cholamandalam Investment and Finance Company Ltd | 0.40% | 0.13% |
| India Shelter Finance Corporation Limited | 0.31% | 0.13% |
| Krishna Institute Of Medical Sciences Limited | 0.34% | 0.12% |
| National Aluminium Company Limited | 0.33% | 0.12% |
| Info Edge (India) Limited | 0.30% | 0.12% |
| Five Star Business Finance Limited | 0.29% | 0.12% |
| Asian Paints Limited | 0.50% | 0.11% |
| Max Healthcare Institute Limited | 0.50% | 0.11% |
| Mankind Pharma Limited | 0.37% | 0.11% |
| TD Power Systems Limited | 0.36% | 0.11% |
| Indigo Paints Limited | 0.27% | 0.11% |
| Billionbrains Garage Ventures Ltd | 0.27% | 0.11% |
| Azad Engineering Ltd | 0.43% | 0.10% |
| CG Power and Industrial Solutions Limited | 0.42% | 0.10% |
| Dynamatic Technologies Limited | 0.35% | 0.10% |
| Poly Medicure Limited | 0.31% | 0.10% |
| Bharat Heavy Electricals Limited | 0.30% | 0.10% |
| Aditya Infotech Limited | 0.30% | 0.10% |
| CARE Ratings Limited | 0.28% | 0.10% |
| PB Fintech Limited | 0.22% | 0.10% |
| KRN Heat Exchanger And Refrigeration Limited | 0.38% | 0.09% |
| The Phoenix Mills Limited | 0.29% | 0.09% |
| Leela Palaces Hotels & Resorts Limited | 0.28% | 0.09% |
| Ajax Engineering Limited | 0.26% | 0.09% |
| Vedanta Aluminium Metal Limited | 0.23% | 0.09% |
| TBO Tek Limited | 0.27% | 0.08% |
| Gillette India Limited | 0.13% | 0.08% |
| Bajaj Finance Limited | 0.56% | 0.07% |
| Solar Industries India Limited | 0.26% | 0.07% |
| Computer Age Management Services Limited | 0.26% | 0.07% |
| Eureka Forbes Ltd | 0.23% | 0.07% |
| eClerx Services Limited | 0.23% | 0.07% |
| Oil India Limited | 0.50% | 0.06% |
| Firstsource Solutions Limited | 0.20% | 0.06% |
| Intellect Design Arena Limited | 0.14% | 0.06% |
| LTM Limited | 0.06% | 0.17% |
| S.J.S. Enterprises Limited | 0.22% | 0.05% |
| Safari Industries (India) Limited | 0.13% | 0.05% |
| Doms Industries Limited | 0.13% | 0.04% |
| JSW Steel Limited | 0.09% | 0.04% |
| Indiqube Spaces Limited | 0.05% | 0.04% |
| ICICI Prudential Asset Management Company Limited | 0.14% | 0.02% |
| Rainbow Childrens Medicare Limited | 0.08% | 0.02% |
| Milky Mist Dairy Food Limited | 0.04% | 0.02% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 47.1% means 47.1% 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 WhiteOak Capital Balanced Advantage Fund
| Security | % of fund |
|---|---|
| 7.77% Bajaj Finance Limited (17/04/2029) | 1.75% |
| 7.44% National Bank For Agriculture and Rural Development (17/07/2029) | 1.45% |
| Juniper Green Energy Limited | 1.22% |
| 7.88% Muthoot Finance Limited (22/11/2028) | 1.09% |
| 7.54% Godrej Industries Limited (04/05/2029) | 1.08% |
Largest holdings only in WhiteOak Capital Equity Savings Fund
| Security | % of fund |
|---|---|
| Vodafone Idea Limited | 4.44% |
| 6.68% Government of India (07/07/2040) | 2.09% |
| 6.01% Government of India (21/07/2030) | 1.79% |
| TVS Motor Company Limited | 1.72% |
| Bandhan Bank Limited | 1.52% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | WhiteOak Capital Balanced Advantage | WhiteOak Capital Equity Savings |
|---|---|---|
| Equity | 66.1% | 65.6% |
| Debt | 17.2% | 19.3% |
| Cash and others | 16.7% | 15.1% |
Market cap of stocks
| Market cap | WhiteOak Capital Balanced Advantage | WhiteOak Capital Equity Savings |
|---|---|---|
| Large Cap | 45.8% | 49.5% |
| Mid Cap | 7.4% | 10.3% |
| Small Cap | 8.9% | 4.9% |
| Not on AMFI's list | 4.0% | 0.8% |
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 | WhiteOak Capital Balanced Advantage | WhiteOak Capital Equity Savings |
|---|---|---|
| Banks | 15.6% | 25.1% |
| Telecom - Services | 2.9% | 7.1% |
| IT - Software | 5.8% | 4.1% |
| Pharmaceuticals & Biotechnology | 4.3% | 2.1% |
| Finance | 3.6% | 3.9% |
| Automobiles | 3.2% | 2.7% |
| Retailing | 3.0% | 2.2% |
| Insurance | 0.7% | 2.6% |
The six largest sectors of each fund's stocks, % of the fund.
WhiteOak Capital Balanced Advantage vs WhiteOak Capital Equity Savings: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | WhiteOak Capital Balanced Advantage Fund | WhiteOak Capital Equity Savings Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.84% | 1.51% |
| Base expense ratio (Direct) | 0.54% | 0.75% |
| Total expense ratio (Regular) | 2.25% | 2.99% |
| Base expense ratio (Regular) | 1.74% | 2.00% |
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 WhiteOak Capital Balanced Advantage with
Compare WhiteOak Capital Equity Savings with
WhiteOak Capital Balanced Advantage Fund vs WhiteOak Capital Equity Savings Fund: Frequently Asked Questions
What is the difference between WhiteOak Capital Balanced Advantage Fund and WhiteOak Capital Equity Savings Fund?
WhiteOak Capital Balanced Advantage Fund is a Balanced Advantage fund, WhiteOak Capital Equity Savings Fund is an Equity Savings fund, run by WhiteOak Capital Mutual Fund. Their portfolios overlap 47.1%. WhiteOak Capital Balanced Advantage Fund charges 0.84% a year and WhiteOak Capital Equity Savings Fund 1.51%.
Which has given higher returns, WhiteOak Capital Balanced Advantage Fund or WhiteOak Capital Equity Savings Fund?
Over 1 year: WhiteOak Capital Balanced Advantage Fund −0.57%, WhiteOak Capital Equity Savings Fund +4.28%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, WhiteOak Capital Balanced Advantage Fund or WhiteOak Capital Equity Savings Fund?
WhiteOak Capital Balanced Advantage Fund charges less: 0.84% a year against 1.51%. These are the Direct plans' total expense ratios reported to AMFI.
How much do WhiteOak Capital Balanced Advantage Fund and WhiteOak Capital Equity Savings Fund overlap?
47.1%. They hold 96 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, NXST. From each fund's latest monthly portfolio.
Which is riskier, WhiteOak Capital Balanced Advantage Fund or WhiteOak Capital Equity Savings Fund?
On SEBI's riskometer, WhiteOak Capital Balanced Advantage Fund is rated Very High and WhiteOak Capital Equity Savings Fund Moderate. Over 1 years, the standard deviation of daily returns was 8.98% and 3.74% a year.
Can I invest in both WhiteOak Capital Balanced Advantage Fund and WhiteOak Capital Equity Savings Fund?
Yes. 47.1% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages WhiteOak Capital Balanced Advantage Fund and WhiteOak Capital Equity Savings Fund?
WhiteOak Capital Balanced Advantage Fund: Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal. WhiteOak Capital Equity Savings Fund: Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal, Bhavin Patadia.
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.