WhiteOak Capital Equity Savings Fund vs WhiteOak Capital Flexi Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
WhiteOak Capital Equity Savings Fund is an Equity Savings fund and WhiteOak Capital Flexi Cap Fund is a Flexi Cap fund. In the year to 30-10-2026, WhiteOak Capital Equity Savings Fund (Direct) returned 4.3% and WhiteOak Capital Flexi Cap Fund (Direct) returned −2.6%. WhiteOak Capital Equity Savings Fund charges 1.51% a year and WhiteOak Capital Flexi Cap Fund 0.82% (Direct plans). Their portfolios overlap 39.0%: they hold 90 of the same securities.
WhiteOak Capital Equity Savings Fund
Equity Savings
- 1 year return
- 4.3%
- Expense ratio
- 1.51%
- NAV
- ₹11.71
WhiteOak Capital Flexi Cap Fund
Flexi Cap
- 1 year return
- −2.6%
- Expense ratio
- 0.82%
- NAV
- ₹18.25
Which is better, WhiteOak Capital Equity Savings or WhiteOak Capital Flexi Cap? 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 −2.6%.
- WhiteOak Capital Flexi Cap costs less: 0.82% a year against 1.51% (Direct plans).
- WhiteOak Capital Equity Savings fell less in its worst fall since 13-03-2025: −3.8% against −14.9%.
- WhiteOak Capital Flexi Cap is the larger fund: ₹9,325 Cr against ₹271 Cr.
- Their portfolios overlap 39.0%: 90 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 Equity Savings Fund | WhiteOak Capital Flexi Cap Fund |
|---|---|---|
| Fund house | WhiteOak Capital Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Equity Savings | Flexi Cap |
| AUM | ₹271 Cr (30-09-2026) | ₹9,325 Cr (30-09-2026) |
| NAV | ₹11.71 (Direct) | ₹18.25 (Direct) |
| Expense ratio (Direct) | 1.51% | 0.82% |
| Expense ratio (Regular) | 2.99% | 2.05% |
| Riskometer | Moderate | Very High |
| Benchmark | Nifty Equity Savings TRI | BSE 500 TRI |
| Launch date | 12-03-2025 | 02-08-2022 |
| Minimum investment | ₹500 | ₹500 |
| Lock in | None | None |
| Fund managers | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal, Bhavin Patadia | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | Nil | Nil |
WhiteOak Capital Equity Savings vs WhiteOak Capital Flexi 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 |
|---|---|---|---|---|---|---|---|
| WhiteOak Capital Equity Savings Fund (Direct) | +0.01% | −0.36% | +2.93% | +4.28% | -- | -- | -- |
| WhiteOak Capital Flexi Cap Fund (Direct) | −0.78% | −4.33% | +2.26% | −2.61% | +13.99% | -- | -- |
| Equity Savings average | −0.02% | −0.68% | +1.71% | +2.12% | -- | -- | -- |
| Flexi Cap average | −1.62% | −4.17% | +1.00% | −3.58% | +12.37% | -- | -- |
Category average: the average of the 23 Equity Savings funds and the 46 Flexi Cap funds, same plan type.
WhiteOak Capital Equity Savings vs WhiteOak Capital Flexi Cap: Year-wise Returns
| Year | Equity SavingsWhiteOak Capital Equity Savings | Flexi CapWhiteOak Capital Flexi Cap |
|---|---|---|
| 2026to date | +2.68% | −2.11% |
| 2025 | -- | +6.05% |
| 2024 | -- | +25.47% |
| 2023 | -- | +33.29% |
WhiteOak Capital Equity Savings vs WhiteOak Capital Flexi Cap: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of WhiteOak Capital Flexi Cap Fund
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 Equity Savings Fund (Direct)
WhiteOak Capital Flexi Cap Fund (Direct)
BSE 500 TRI
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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | 100% |
| WhiteOak Capital Flexi Cap | 12.9 | 49.0 | 35.5 | 2.6 | 0.0 | 0.0 | 0.0 | 4.0% | 3.7% | −4.5% | 12.2% | 100% |
| BSE 500 TRI | 43.2 | 41.3 | 14.8 | 0.6 | 0.0 | 0.0 | 0.0 | 0.7% | 0.5% | −9.2% | 10.4% | -- |
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 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 13-03-2025. Past returns do not promise future returns.
WhiteOak Capital Equity Savings vs WhiteOak Capital Flexi 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 13-03-2025 to 30-10-2026: 20 instalments, ₹2,00,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings Fund (Direct) | ₹2,00,000 | ₹2,11,300 | ₹11,300 | 6.5% |
| WhiteOak Capital Flexi CapWhiteOak Capital Flexi Cap Fund (Direct) | ₹2,00,000 | ₹2,04,424 | ₹4,424 | 2.5% |
WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings Fund (Direct)
WhiteOak Capital Flexi CapWhiteOak Capital Flexi 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.
WhiteOak Capital Equity Savings vs WhiteOak Capital Flexi Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | WhiteOak Capital Equity Savings Fund (Direct) | WhiteOak Capital Flexi Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +4.28% | −2.61% |
| Standard deviation | 3.74% | 13.35% |
| Sharpe ratio | -0.26 | -0.59 |
| Sortino ratio | -0.35 | -0.79 |
| Maximum drawdown | −3.8% (23-03-2026) | −14.9% (23-03-2026) |
| Beta | -- | 0.92 |
| Alpha | -- | +4.00% |
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 Equity Savings Fund (Direct) | WhiteOak Capital Flexi Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.18% | +15.19% |
| Standard deviation | 3.78% | 12.69% |
| Sharpe ratio | 1.26 | 0.71 |
| Sortino ratio | 1.87 | 0.97 |
| Maximum drawdown | −3.8% (23-03-2026) | −15.6% (28-02-2025) |
| Beta | -- | 0.93 |
| Alpha | -- | +5.17% |
From daily NAVs, 13-03-2025 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.
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 Equity Savings Fund (Direct)
WhiteOak Capital Flexi Cap 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 Equity Savings Fund (Direct) | −3.8% | 11-02-2026 | 23-03-2026 | 17-06-2026 | 3 months | −1.3% |
| WhiteOak Capital Flexi Cap Fund (Direct) | −14.9% | 20-11-2025 | 23-03-2026 | 06-07-2026 | 3 months | −6.5% |
| BSE 500 TRI | −14.8% | 02-01-2026 | 30-03-2026 | Not yet | -- | −8.7% |
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 Equity Savings Fund (Direct)
WhiteOak Capital Flexi Cap Fund (Direct)
BSE 500 TRI
Against BSE 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| WhiteOak Capital Equity Savings Fund (Direct) | 49% | 5% | 11.55% |
| WhiteOak Capital Flexi Cap Fund (Direct) | 106% | 83% | 3.24% |
From month-end values since 13-03-2025. 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 Equity Savings vs WhiteOak Capital Flexi Cap: Portfolio Overlap
From each fund's latest monthly portfolio: WhiteOak Capital Equity Savings Fund, September 2026; WhiteOak Capital Flexi Cap Fund, September 2026
Holdings in common
- Overlap
- 39.0%
- Held by both
- 90
- Only in WhiteOak Capital Equity Savings
- 46
- Only in WhiteOak Capital Flexi Cap
- 77
| Security | % of WhiteOak Capital Equity Savings | % of WhiteOak Capital Flexi Cap |
|---|---|---|
| ICICI Bank Limited | 9.66% | 8.47% |
| HDFC Bank Limited | 5.84% | 3.81% |
| Bharti Airtel Limited | 2.68% | 4.63% |
| Eternal Limited | 1.73% | 1.88% |
| Kotak Mahindra Bank Limited | 1.68% | 2.19% |
| State Bank of India | 1.50% | 2.62% |
| Nexus Select Trust - REIT | 2.69% | 1.45% |
| Axis Bank Limited | 1.80% | 1.35% |
| Coforge Limited | 2.80% | 1.30% |
| Reliance Industries Limited | 0.99% | 2.08% |
| Hindalco Industries Limited | 1.92% | 0.92% |
| Muthoot Finance Limited | 1.88% | 0.84% |
| Nestle India Limited | 0.65% | 3.67% |
| Mahindra & Mahindra Limited | 0.61% | 2.55% |
| Bajaj Finserv Limited | 0.58% | 0.63% |
| Vertis Infrastructure Trust | 0.66% | 0.55% |
| Bharat Electronics Limited | 0.48% | 1.59% |
| Torrent Pharmaceuticals Limited | 0.47% | 1.62% |
| Titan Company Limited | 0.45% | 1.68% |
| Adani Enterprises Limited | 2.09% | 0.41% |
| Embassy Office Parks REIT | 1.60% | 0.36% |
| Maruti Suzuki India Limited | 0.36% | 1.36% |
| Power Finance Corporation Limited | 0.44% | 0.30% |
| Cipla Limited | 0.27% | 0.67% |
| Larsen & Toubro Limited | 0.25% | 0.65% |
| 182 Days Tbill (MD 12/11/2026) | 0.22% | 0.25% |
| Persistent Systems Limited | 0.21% | 0.52% |
| Tech Mahindra Limited | 0.20% | 0.44% |
| PNB Housing Finance Limited | 0.19% | 0.55% |
| National Stock Exchange Of India Ltd | 0.18% | 0.41% |
| Pidilite Industries Limited | 0.17% | 0.28% |
| Divi's Laboratories Limited | 0.17% | 0.59% |
| Tata Consultancy Services Limited | 0.17% | 0.33% |
| Infosys Limited | 0.16% | 0.45% |
| Tata Steel Limited | 0.15% | 0.17% |
| Max Financial Services Limited | 0.15% | 0.77% |
| Lenskart Solutions Limited | 0.15% | 0.69% |
| Navin Fluorine International Limited | 0.14% | 0.60% |
| Oil & Natural Gas Corporation Limited | 0.14% | 0.36% |
| NTPC Limited | 0.14% | 0.31% |
| Cholamandalam Investment and Finance Company Ltd | 0.13% | 0.35% |
| Aadhar Housing Finance Limited | 0.13% | 1.19% |
| India Shelter Finance Corporation Limited | 0.13% | 0.64% |
| Five Star Business Finance Limited | 0.12% | 0.64% |
| National Aluminium Company Limited | 0.12% | 0.47% |
| Info Edge (India) Limited | 0.12% | 0.58% |
| Krishna Institute Of Medical Sciences Limited | 0.12% | 0.58% |
| Asian Paints Limited | 0.11% | 0.56% |
| Max Healthcare Institute Limited | 0.11% | 0.12% |
| Indigo Paints Limited | 0.11% | 0.47% |
| Billionbrains Garage Ventures Ltd | 0.11% | 0.49% |
| TD Power Systems Limited | 0.11% | 0.61% |
| Mankind Pharma Limited | 0.11% | 0.20% |
| Azad Engineering Ltd | 0.10% | 0.81% |
| CG Power and Industrial Solutions Limited | 0.10% | 0.38% |
| Poly Medicure Limited | 0.10% | 0.50% |
| Dynamatic Technologies Limited | 0.10% | 0.51% |
| Bharat Heavy Electricals Limited | 0.10% | 0.52% |
| CARE Ratings Limited | 0.10% | 0.56% |
| Aditya Infotech Limited | 0.10% | 0.39% |
| Leela Palaces Hotels & Resorts Limited | 0.09% | 0.51% |
| KRN Heat Exchanger And Refrigeration Limited | 0.09% | 0.70% |
| Vedanta Aluminium Metal Limited | 0.09% | 0.31% |
| The Phoenix Mills Limited | 0.09% | 0.41% |
| Ajax Engineering Limited | 0.09% | 0.48% |
| City Union Bank Limited | 0.09% | 0.50% |
| Fortis Healthcare Limited | 0.08% | 0.33% |
| Gillette India Limited | 0.08% | 0.29% |
| TBO Tek Limited | 0.08% | 0.49% |
| Eureka Forbes Ltd | 0.07% | 0.29% |
| Bajaj Finance Limited | 0.07% | 0.56% |
| Solar Industries India Limited | 0.07% | 0.76% |
| Computer Age Management Services Limited | 0.07% | 0.35% |
| eClerx Services Limited | 0.07% | 0.32% |
| Karur Vysya Bank Limited | 0.06% | 0.33% |
| Oil India Limited | 0.06% | 0.45% |
| Intellect Design Arena Limited | 0.06% | 0.25% |
| Firstsource Solutions Limited | 0.06% | 0.27% |
| Latent View Analytics Limited | 0.05% | 0.08% |
| S.J.S. Enterprises Limited | 0.05% | 0.37% |
| Safari Industries (India) Limited | 0.05% | 0.23% |
| 360 One WAM Limited | 0.05% | 0.35% |
| 364 Days Tbill (MD 12/11/2026) | 0.04% | 0.06% |
| JSW Steel Limited | 0.04% | 0.34% |
| Indiqube Spaces Limited | 0.04% | 0.19% |
| Doms Industries Limited | 0.04% | 0.21% |
| ICICI Prudential Asset Management Company Limited | 0.02% | 0.13% |
| Rainbow Childrens Medicare Limited | 0.02% | 0.25% |
| PB Fintech Limited | 0.10% | 0.01% |
| AIA Engineering Limited | 0.01% | 0.30% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 39.0% means 39.0% 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 Equity Savings Fund
| Security | % of fund |
|---|---|
| 6.28% Government of India (14/07/2032) | 5.15% |
| Vodafone Idea Limited | 4.44% |
| 6.36% Government of India (16/02/2031) | 2.90% |
| 6.94% Government of India (11/05/2036) | 2.54% |
| 6.68% Government of India (07/07/2040) | 2.09% |
Largest holdings only in WhiteOak Capital Flexi Cap Fund
| Security | % of fund |
|---|---|
| National Highways Infra Trust | 0.90% |
| 91 Days Tbill (MD 29/10/2026) | 0.72% |
| Ajanta Pharma Limited | 0.63% |
| Neuland Laboratories Limited | 0.60% |
| Dr. Lal Path Labs Limited | 0.56% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | WhiteOak Capital Equity Savings | WhiteOak Capital Flexi Cap |
|---|---|---|
| Equity | 65.6% | 89.5% |
| Debt | 19.3% | 3.3% |
| Cash and others | 15.1% | 7.1% |
Market cap of stocks
| Market cap | WhiteOak Capital Equity Savings | WhiteOak Capital Flexi Cap |
|---|---|---|
| Large Cap | 49.5% | 52.1% |
| Mid Cap | 10.3% | 8.1% |
| Small Cap | 4.9% | 27.0% |
| Not on AMFI's list | 0.8% | 2.4% |
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 | WhiteOak Capital Equity Savings | WhiteOak Capital Flexi Cap |
|---|---|---|
| Banks | 25.1% | 19.9% |
| Finance | 3.9% | 7.4% |
| Telecom - Services | 7.1% | 4.6% |
| Pharmaceuticals & Biotechnology | 2.1% | 5.5% |
| Food Products | 0.7% | 4.3% |
| Retailing | 2.2% | 4.1% |
| IT - Software | 4.1% | 3.7% |
| Automobiles | 2.7% | 3.9% |
| Insurance | 2.6% | 0.9% |
The six largest sectors of each fund's stocks, % of the fund.
WhiteOak Capital Equity Savings vs WhiteOak Capital Flexi Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | WhiteOak Capital Equity Savings Fund | WhiteOak Capital Flexi Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.51% | 0.82% |
| Base expense ratio (Direct) | 0.75% | 0.47% |
| Total expense ratio (Regular) | 2.99% | 2.05% |
| Base expense ratio (Regular) | 2.00% | 1.51% |
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 Equity Savings with
WhiteOak Capital Equity Savings Fund vs WhiteOak Capital Flexi Cap Fund: Frequently Asked Questions
What is the difference between WhiteOak Capital Equity Savings Fund and WhiteOak Capital Flexi Cap Fund?
WhiteOak Capital Equity Savings Fund is an Equity Savings fund, WhiteOak Capital Flexi Cap Fund is a Flexi Cap fund, run by WhiteOak Capital Mutual Fund. Their portfolios overlap 39.0%. WhiteOak Capital Equity Savings Fund charges 1.51% a year and WhiteOak Capital Flexi Cap Fund 0.82%.
Which has given higher returns, WhiteOak Capital Equity Savings Fund or WhiteOak Capital Flexi Cap Fund?
Over 1 year: WhiteOak Capital Equity Savings Fund +4.28%, WhiteOak Capital Flexi Cap Fund −2.61%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, WhiteOak Capital Equity Savings Fund or WhiteOak Capital Flexi Cap Fund?
WhiteOak Capital Flexi Cap Fund charges less: 0.82% a year against 1.51%. These are the Direct plans' total expense ratios reported to AMFI.
How much do WhiteOak Capital Equity Savings Fund and WhiteOak Capital Flexi Cap Fund overlap?
39.0%. They hold 90 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, BHARTIARTL. From each fund's latest monthly portfolio.
Which is riskier, WhiteOak Capital Equity Savings Fund or WhiteOak Capital Flexi Cap Fund?
On SEBI's riskometer, WhiteOak Capital Equity Savings Fund is rated Moderate and WhiteOak Capital Flexi Cap Fund Very High. Over 1 years, the standard deviation of daily returns was 3.74% and 13.35% a year.
Can I invest in both WhiteOak Capital Equity Savings Fund and WhiteOak Capital Flexi Cap Fund?
Yes. 39.0% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages WhiteOak Capital Equity Savings Fund and WhiteOak Capital Flexi Cap Fund?
WhiteOak Capital Equity Savings Fund: Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal, Bhavin Patadia. WhiteOak Capital Flexi 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.