WhiteOak Capital ELSS Tax Saver Fund vs WhiteOak Capital Quality Equity Fund
Direct Plan, Growth option · Data as on 30-10-2026
WhiteOak Capital ELSS Tax Saver Fund is an ELSS fund and WhiteOak Capital Quality Equity Fund is a Thematic fund. In the year to 30-10-2026, WhiteOak Capital ELSS Tax Saver Fund (Direct) returned −2.3% and WhiteOak Capital Quality Equity Fund (Direct) returned −7.7%. WhiteOak Capital ELSS Tax Saver Fund charges 0.86% a year and WhiteOak Capital Quality Equity Fund 1.04% (Direct plans). Their portfolios overlap 43.3%: they hold 41 of the same securities.
WhiteOak Capital ELSS Tax Saver Fund
ELSS
- 1 year return
- −2.3%
- Expense ratio
- 0.86%
- NAV
- ₹18.41
WhiteOak Capital Quality Equity Fund
Thematic
- 1 year return
- −7.7%
- Expense ratio
- 1.04%
- NAV
- ₹9.97
Which is better, WhiteOak Capital ELSS Tax Saver or WhiteOak Capital Quality Equity? 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 1 year: −2.3% against −7.7%.
- WhiteOak Capital ELSS Tax Saver costs less: 0.86% a year against 1.04% (Direct plans).
- WhiteOak Capital ELSS Tax Saver fell less in its worst fall since 30-01-2025: −15.9% against −16.4%.
- WhiteOak Capital Quality Equity is the larger fund: ₹553 Cr against ₹481 Cr.
- Their portfolios overlap 43.3%: 41 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 ELSS Tax Saver Fund | WhiteOak Capital Quality Equity Fund |
|---|---|---|
| Fund house | WhiteOak Capital Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | ELSS | Thematic |
| AUM | ₹481 Cr (30-09-2026) | ₹553 Cr (30-09-2026) |
| NAV | ₹18.41 (Direct) | ₹9.97 (Direct) |
| Expense ratio (Direct) | 0.86% | 1.04% |
| Expense ratio (Regular) | 2.58% | 2.70% |
| Riskometer | Very High | Very High |
| Benchmark | BSE 500 TRI | BSE Quality TRI |
| Launch date | 14-10-2022 | 29-01-2025 |
| Minimum investment | ₹500 | ₹500 |
| Lock in | 3 years | None |
| Fund managers | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | Nil | Nil |
WhiteOak Capital ELSS Tax Saver vs WhiteOak Capital Quality Equity: 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 ELSS Tax Saver Fund (Direct) | −0.74% | −3.51% | +3.23% | −2.32% | +15.53% | -- | -- |
| WhiteOak Capital Quality Equity Fund (Direct) | −0.24% | −7.72% | +0.56% | −7.65% | -- | -- | -- |
| ELSS average | −2.34% | −5.61% | −1.63% | −5.75% | +10.92% | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | -- | -- | -- |
Category average: the average of the 50 ELSS funds and the 235 Thematic funds, same plan type.
WhiteOak Capital ELSS Tax Saver vs WhiteOak Capital Quality Equity: Year-wise Returns
| Year | ELSS Tax SaverWhiteOak Capital ELSS Tax Saver | Quality EquityWhiteOak Capital Quality Equity |
|---|---|---|
| 2026to date | −1.72% | −7.78% |
| 2025 | +4.95% | -- |
| 2024 | +30.34% | -- |
| 2023 | +34.58% | -- |
WhiteOak Capital ELSS Tax Saver vs WhiteOak Capital Quality Equity: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of WhiteOak Capital ELSS Tax Saver Fund
Rolling returns
Every 1-year holding period, 184 of them, one for each trading day from 30-01-2026 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 ELSS Tax Saver Fund (Direct)
WhiteOak Capital Quality Equity Fund (Direct)
BSE 500 TRI
to
Feb 2026Apr 2025
to
Apr 2026May 2025
to
May 2026Jul 2025
to
Jul 2026Aug 2025
to
Aug 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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| WhiteOak Capital ELSS Tax Saver | 14.1 | 44.0 | 32.1 | 9.2 | 0.5 | 0.0 | 0.0 | 4.3% | 3.5% | −4.2% | 15.4% | 75% |
| WhiteOak Capital Quality Equity | 63.6 | 29.3 | 7.1 | 0.0 | 0.0 | 0.0 | 0.0 | −1.4% | −1.9% | −9.7% | 6.6% | 4% |
| BSE 500 TRI | 36.4 | 34.8 | 16.8 | 9.8 | 2.2 | 0.0 | 0.0 | 2.5% | 1.6% | −9.2% | 15.7% | -- |
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. 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 30-01-2025. Past returns do not promise future returns.
WhiteOak Capital ELSS Tax Saver vs WhiteOak Capital Quality Equity: 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 01-01-2025 to 30-10-2026: 22 instalments, ₹2,20,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| WhiteOak Capital ELSS Tax SaverWhiteOak Capital ELSS Tax Saver Fund (Direct) | ₹2,20,000 | ₹2,26,310 | ₹6,310 | 3.0% |
| WhiteOak Capital Quality EquityWhiteOak Capital Quality Equity Fund (Direct) | ₹2,20,000 | ₹2,13,743 | −₹6,257 | −3.0% |
WhiteOak Capital ELSS Tax SaverWhiteOak Capital ELSS Tax Saver Fund (Direct)
WhiteOak Capital Quality EquityWhiteOak Capital Quality Equity 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 ELSS Tax Saver vs WhiteOak Capital Quality Equity: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | WhiteOak Capital ELSS Tax Saver Fund (Direct) | WhiteOak Capital Quality Equity Fund (Direct) |
|---|---|---|
| Return (CAGR) | −2.32% | −7.65% |
| Standard deviation | 13.78% | 12.15% |
| Sharpe ratio | -0.55 | -1.06 |
| Sortino ratio | -0.74 | -1.39 |
| Maximum drawdown | −15.9% (23-03-2026) | −16.4% (31-03-2026) |
| Beta | 0.94 | 0.71 |
| Alpha | +4.63% | −4.30% |
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 ELSS Tax Saver Fund (Direct) | WhiteOak Capital Quality Equity Fund (Direct) |
|---|---|---|
| Return (CAGR) | +16.16% | −0.33% |
| Standard deviation | 13.02% | 11.92% |
| Sharpe ratio | 0.77 | -0.49 |
| Sortino ratio | 1.04 | -0.66 |
| Maximum drawdown | −16.4% (28-02-2025) | −16.4% (31-03-2026) |
| Beta | 0.95 | 0.72 |
| Alpha | +5.64% | −2.78% |
From daily NAVs, 17-10-2022 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 ELSS Tax Saver Fund (Direct)
WhiteOak Capital Quality Equity Fund (Direct)
BSE 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| WhiteOak Capital ELSS Tax Saver Fund (Direct) | −15.9% | 20-11-2025 | 23-03-2026 | 31-07-2026 | 4 months | −6.4% |
| WhiteOak Capital Quality Equity Fund (Direct) | −16.4% | 26-11-2025 | 31-03-2026 | 03-08-2026 | 4 months | −9.1% |
| BSE 500 TRI | −14.8% | 02-01-2026 | 30-03-2026 | Not yet | -- | −8.7% |
From daily values since 30-01-2025, 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 ELSS Tax Saver Fund (Direct)
WhiteOak Capital Quality Equity Fund (Direct)
BSE 500 TRI
Against BSE 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| WhiteOak Capital ELSS Tax Saver Fund (Direct) | 107% | 89% | 3.49% |
| WhiteOak Capital Quality Equity Fund (Direct) | 84% | 95% | 5.80% |
From month-end values since 30-01-2025. 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.
WhiteOak Capital ELSS Tax Saver vs WhiteOak Capital Quality Equity: Portfolio Overlap
From each fund's latest monthly portfolio: WhiteOak Capital ELSS Tax Saver Fund, September 2026; WhiteOak Capital Quality Equity Fund, September 2026
Holdings in common
- Overlap
- 43.3%
- Held by both
- 41
- Only in WhiteOak Capital ELSS Tax Saver
- 100
- Only in WhiteOak Capital Quality Equity
- 20
| Security | % of WhiteOak Capital ELSS Tax Saver | % of WhiteOak Capital Quality Equity |
|---|---|---|
| ICICI Bank Limited | 8.15% | 9.82% |
| Bharti Airtel Limited | 3.91% | 6.10% |
| Nestle India Limited | 3.52% | 6.67% |
| Eternal Limited | 2.82% | 2.63% |
| Mahindra & Mahindra Limited | 2.41% | 4.16% |
| Titan Company Limited | 1.80% | 3.78% |
| Torrent Pharmaceuticals Limited | 1.78% | 4.27% |
| Maruti Suzuki India Limited | 1.49% | 2.70% |
| Persistent Systems Limited | 1.26% | 2.08% |
| Aadhar Housing Finance Limited | 1.03% | 1.48% |
| Cipla Limited | 0.90% | 1.15% |
| Muthoot Finance Limited | 0.89% | 1.49% |
| Bajaj Finserv Limited | 1.04% | 0.86% |
| Navin Fluorine International Limited | 0.86% | 1.05% |
| Max Financial Services Limited | 0.85% | 0.97% |
| Asian Paints Limited | 0.78% | 1.26% |
| Tech Mahindra Limited | 0.74% | 0.96% |
| Ajax Engineering Limited | 0.63% | 1.02% |
| India Shelter Finance Corporation Limited | 0.62% | 1.05% |
| Poly Medicure Limited | 0.58% | 1.28% |
| CARE Ratings Limited | 0.58% | 1.23% |
| Indigo Paints Limited | 0.56% | 0.99% |
| Info Edge (India) Limited | 0.54% | 2.55% |
| Vijaya Diagnostic Centre Limited | 0.49% | 0.81% |
| Leela Palaces Hotels & Resorts Limited | 0.48% | 0.94% |
| Krishna Institute Of Medical Sciences Limited | 0.48% | 1.23% |
| Tube Investments of India Limited | 0.47% | 0.89% |
| Pidilite Industries Limited | 0.44% | 2.27% |
| The Phoenix Mills Limited | 0.41% | 0.92% |
| National Stock Exchange Of India Ltd | 0.41% | 0.40% |
| Tata Consultancy Services Limited | 0.40% | 1.23% |
| Abbott India Limited | 0.38% | 1.47% |
| Eureka Forbes Ltd | 0.37% | 1.13% |
| Vishal Mega Mart Limited | 0.30% | 0.50% |
| Gillette India Limited | 0.27% | 1.25% |
| Safari Industries (India) Limited | 0.27% | 0.69% |
| Doms Industries Limited | 0.23% | 1.45% |
| Coforge Limited | 1.87% | 0.19% |
| Infosys Limited | 0.48% | 0.17% |
| Newgen Software Technologies Limited | 0.15% | 0.30% |
| LTM Limited | 0.13% | 0.01% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 43.3% means 43.3% 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 ELSS Tax Saver Fund
| Security | % of fund |
|---|---|
| HDFC Bank Limited | 3.97% |
| Kotak Mahindra Bank Limited | 2.56% |
| State Bank of India | 2.47% |
| Reliance Industries Limited | 2.33% |
| Bharat Electronics Limited | 1.63% |
Largest holdings only in WhiteOak Capital Quality Equity Fund
| Security | % of fund |
|---|---|
| Nexus Select Trust - REIT | 3.41% |
| Marico Limited | 2.42% |
| Global Health Limited | 2.25% |
| SBI Funds Management Limited | 1.48% |
| Tata Consumer Products Limited | 1.28% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | WhiteOak Capital ELSS Tax Saver | WhiteOak Capital Quality Equity |
|---|---|---|
| Equity | 97.4% | 85.9% |
| Debt | 0.0% | 3.9% |
| Cash and others | 2.6% | 10.2% |
Market cap of stocks
| Market cap | WhiteOak Capital ELSS Tax Saver | WhiteOak Capital Quality Equity |
|---|---|---|
| Large Cap | 52.3% | 51.6% |
| Mid Cap | 11.7% | 13.1% |
| Small Cap | 30.4% | 19.4% |
| Not on AMFI's list | 3.0% | 1.9% |
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 ELSS Tax Saver | WhiteOak Capital Quality Equity |
|---|---|---|
| Banks | 20.3% | 9.8% |
| Consumer Durables | 5.0% | 7.8% |
| Finance | 7.6% | 4.9% |
| Pharmaceuticals & Biotechnology | 6.4% | 6.9% |
| Automobiles | 3.9% | 6.9% |
| Food Products | 4.1% | 6.7% |
| Telecom - Services | 3.9% | 6.1% |
| Retailing | 5.5% | 5.7% |
| IT - Software | 5.6% | 4.9% |
The six largest sectors of each fund's stocks, % of the fund.
WhiteOak Capital ELSS Tax Saver vs WhiteOak Capital Quality Equity: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | WhiteOak Capital ELSS Tax Saver Fund | WhiteOak Capital Quality Equity Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.86% | 1.04% |
| Base expense ratio (Direct) | 0.64% | 0.69% |
| Total expense ratio (Regular) | 2.58% | 2.70% |
| Base expense ratio (Regular) | 2.10% | 2.09% |
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 ELSS Tax Saver with
Compare WhiteOak Capital Quality Equity with
- WhiteOak Capital Quality Equity vs Nippon India Taiwan Equity
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- WhiteOak Capital Quality Equity vs HDFC Pharma and Healthcare
- WhiteOak Capital Quality Equity vs SBI Healthcare Opportunities
- WhiteOak Capital Quality Equity vs Aditya Birla Sun Life International Equity
WhiteOak Capital ELSS Tax Saver Fund vs WhiteOak Capital Quality Equity Fund: Frequently Asked Questions
What is the difference between WhiteOak Capital ELSS Tax Saver Fund and WhiteOak Capital Quality Equity Fund?
WhiteOak Capital ELSS Tax Saver Fund is an ELSS fund, WhiteOak Capital Quality Equity Fund is a Thematic fund, run by WhiteOak Capital Mutual Fund. Their portfolios overlap 43.3%. WhiteOak Capital ELSS Tax Saver Fund charges 0.86% a year and WhiteOak Capital Quality Equity Fund 1.04%.
Which has given higher returns, WhiteOak Capital ELSS Tax Saver Fund or WhiteOak Capital Quality Equity Fund?
Over 1 year: WhiteOak Capital ELSS Tax Saver Fund −2.32%, WhiteOak Capital Quality Equity Fund −7.65%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, WhiteOak Capital ELSS Tax Saver Fund or WhiteOak Capital Quality Equity Fund?
WhiteOak Capital ELSS Tax Saver Fund charges less: 0.86% a year against 1.04%. These are the Direct plans' total expense ratios reported to AMFI.
How much do WhiteOak Capital ELSS Tax Saver Fund and WhiteOak Capital Quality Equity Fund overlap?
43.3%. They hold 41 of the same securities, the largest shared ones being ICICIBANK, BHARTIARTL, NESTLEIND. From each fund's latest monthly portfolio.
Which is riskier, WhiteOak Capital ELSS Tax Saver Fund or WhiteOak Capital Quality Equity Fund?
On SEBI's riskometer, WhiteOak Capital ELSS Tax Saver Fund is rated Very High and WhiteOak Capital Quality Equity Fund Very High. Over 1 years, the standard deviation of daily returns was 13.78% and 12.15% a year.
Can I invest in both WhiteOak Capital ELSS Tax Saver Fund and WhiteOak Capital Quality Equity Fund?
Yes. 43.3% 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 ELSS Tax Saver Fund and WhiteOak Capital Quality Equity Fund?
WhiteOak Capital ELSS Tax Saver Fund: Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal. WhiteOak Capital Quality Equity 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.