WhiteOak Capital Equity Savings Fund vs WhiteOak Capital Multi Asset Allocation Fund
Direct Plan, Growth option · Data as on 30-10-2026
WhiteOak Capital Equity Savings Fund is an Equity Savings fund and WhiteOak Capital Multi Asset Allocation Fund is a Multi Asset fund. In the year to 30-10-2026, WhiteOak Capital Equity Savings Fund (Direct) returned 4.3% and WhiteOak Capital Multi Asset Allocation Fund (Direct) returned 6.0%. WhiteOak Capital Equity Savings Fund charges 1.51% a year and WhiteOak Capital Multi Asset Allocation Fund 0.65% (Direct plans). Their portfolios overlap 35.8%: they hold 108 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 Multi Asset Allocation Fund
Multi Asset
- 1 year return
- 6.0%
- Expense ratio
- 0.65%
- NAV
- ₹16.30
Which is better, WhiteOak Capital Equity Savings or WhiteOak Capital Multi Asset Allocation? 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 Multi Asset Allocation returned more over 1 year: 6.0% against 4.3%.
- WhiteOak Capital Multi Asset Allocation costs less: 0.65% a year against 1.51% (Direct plans).
- WhiteOak Capital Equity Savings fell less in its worst fall since 13-03-2025: −3.8% against −6.1%.
- WhiteOak Capital Equity Savings holds more in large companies: 49.5% of the fund in large caps against 19.9%.
- WhiteOak Capital Multi Asset Allocation is the larger fund: ₹9,111 Cr against ₹271 Cr.
- Their portfolios overlap 35.8%: 108 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 Multi Asset Allocation Fund |
|---|---|---|
| Fund house | WhiteOak Capital Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Equity Savings | Multi Asset |
| AUM | ₹271 Cr (30-09-2026) | ₹9,111 Cr (30-09-2026) |
| NAV | ₹11.71 (Direct) | ₹16.30 (Direct) |
| Expense ratio (Direct) | 1.51% | 0.65% |
| Expense ratio (Regular) | 2.99% | 1.67% |
| Riskometer | Moderate | High |
| Benchmark | Nifty Equity Savings TRI | 30% BSE 500 TRI + 50% CRISIL Short Term Bond Index + 16% Domestic prices of Gold + 1% Domestic prices of Silver + 3% iCO |
| Launch date | 12-03-2025 | 19-05-2023 |
| 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, Dheeresh Pathak, Ashish Agrawal, Trupti Agrawal |
| Exit load | Nil | Nil |
WhiteOak Capital Equity Savings vs WhiteOak Capital Multi Asset Allocation: 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 Multi Asset Allocation Fund (Direct) | −1.16% | −1.15% | +1.63% | +6.03% | +16.11% | -- | -- |
| Equity Savings average | −0.02% | −0.68% | +1.71% | +2.12% | -- | -- | -- |
| Multi Asset average | −1.71% | −3.33% | −1.78% | +2.00% | +14.20% | -- | -- |
Category average: the average of the 23 Equity Savings funds and the 37 Multi Asset funds, same plan type.
WhiteOak Capital Equity Savings vs WhiteOak Capital Multi Asset Allocation: Year-wise Returns
| Year | Equity SavingsWhiteOak Capital Equity Savings | Multi Asset AllocationWhiteOak Capital Multi Asset Allocation |
|---|---|---|
| 2026to date | +2.68% | +4.15% |
| 2025 | -- | +18.39% |
| 2024 | -- | +18.99% |
WhiteOak Capital Equity Savings vs WhiteOak Capital Multi Asset Allocation: 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 Equity Savings Fund (Direct)
WhiteOak Capital Multi Asset Allocation 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 Equity Savings | 0.0 | 7.1 | 78.1 | 14.8 | 0.0 | 0.0 | 0.0 | 8.5% | 8.9% | 3.7% | 12.5% |
| WhiteOak Capital Multi Asset Allocation | 0.0 | 0.0 | 13.1 | 66.7 | 20.3 | 0.0 | 0.0 | 12.9% | 13.3% | 5.2% | 18.4% |
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. 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 Multi Asset Allocation: 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 Multi Asset AllocationWhiteOak Capital Multi Asset Allocation Fund (Direct) | ₹2,00,000 | ₹2,13,858 | ₹13,858 | 8.0% |
WhiteOak Capital Equity SavingsWhiteOak Capital Equity Savings Fund (Direct)
WhiteOak Capital Multi Asset AllocationWhiteOak Capital Multi Asset Allocation 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 Multi Asset Allocation: 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 Multi Asset Allocation Fund (Direct) |
|---|---|---|
| Return (CAGR) | +4.28% | +6.03% |
| Standard deviation | 3.74% | 6.99% |
| Sharpe ratio | -0.26 | 0.11 |
| Sortino ratio | -0.35 | 0.16 |
| Maximum drawdown | −3.8% (23-03-2026) | −6.1% (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 Equity Savings Fund (Direct) | WhiteOak Capital Multi Asset Allocation Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.18% | +15.15% |
| Standard deviation | 3.78% | 5.49% |
| Sharpe ratio | 1.26 | 1.64 |
| Sortino ratio | 1.87 | 2.34 |
| Maximum drawdown | −3.8% (23-03-2026) | −6.1% (23-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Multi Asset Allocation Fund (Direct)
| 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 Multi Asset Allocation Fund (Direct) | −6.1% | 02-03-2026 | 23-03-2026 | 16-06-2026 | 3 months | −3.8% |
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 Multi Asset Allocation Fund (Direct)
WhiteOak Capital Equity Savings vs WhiteOak Capital Multi Asset Allocation: Portfolio Overlap
From each fund's latest monthly portfolio: WhiteOak Capital Equity Savings Fund, September 2026; WhiteOak Capital Multi Asset Allocation Fund, September 2026
Holdings in common
- Overlap
- 35.8%
- Held by both
- 108
- Only in WhiteOak Capital Equity Savings
- 28
- Only in WhiteOak Capital Multi Asset Allocation
- 92
| Security | % of WhiteOak Capital Equity Savings | % of WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| ICICI Bank Limited | 9.66% | 2.89% |
| Nexus Select Trust - REIT | 2.69% | 3.64% |
| 6.94% Government of India (11/05/2036) | 2.54% | 2.16% |
| Embassy Office Parks REIT | 1.60% | 2.88% |
| Brookfield India Real Estate Trust | 1.53% | 1.59% |
| Bharti Airtel Limited | 2.68% | 1.41% |
| HDFC Bank Limited | 5.84% | 1.30% |
| 6.28% Government of India (14/07/2032) | 5.15% | 1.14% |
| Citius Transnet Investment Trust | 1.05% | 1.64% |
| Eternal Limited | 1.73% | 0.85% |
| State Bank of India | 1.50% | 0.83% |
| Coforge Limited | 2.80% | 0.80% |
| Reliance Industries Limited | 0.99% | 0.80% |
| Adani Enterprises Limited | 2.09% | 0.78% |
| 6.54% Government of India (17/01/2032) | 1.81% | 0.70% |
| Kotak Mahindra Bank Limited | 1.68% | 0.69% |
| Nestle India Limited | 0.65% | 1.18% |
| Mahindra & Mahindra Limited | 0.61% | 0.79% |
| Raajmarg Infra Investment Trust | 0.52% | 0.91% |
| Axis Bank Limited | 1.80% | 0.48% |
| Bharat Electronics Limited | 0.48% | 0.48% |
| Torrent Pharmaceuticals Limited | 0.47% | 0.60% |
| Titan Company Limited | 0.45% | 0.54% |
| Cube Highways Trust-InvIT Fund | 0.38% | 2.53% |
| UltraTech Cement Limited | 0.38% | 0.52% |
| 7.40 % National Bank For Agriculture and Rural Development (29/04/2030) | 0.73% | 0.36% |
| Vertis Infrastructure Trust | 0.66% | 0.36% |
| 6.65% Indian Railway Finance Corporation Limited (20/05/2030) | 0.36% | 1.46% |
| 7.4% Power Finance Corporation Limited (08/05/2030) | 0.36% | 0.48% |
| Maruti Suzuki India Limited | 0.36% | 0.49% |
| Knowledge Realty Trust | 0.33% | 2.18% |
| Hindalco Industries Limited | 1.92% | 0.29% |
| Bajaj Finserv Limited | 0.58% | 0.26% |
| Larsen & Toubro Limited | 0.25% | 0.28% |
| Cipla Limited | 0.27% | 0.23% |
| 182 Days Tbill (MD 12/11/2026) | 0.22% | 0.66% |
| Muthoot Finance Limited | 1.88% | 0.21% |
| Persistent Systems Limited | 0.21% | 0.25% |
| Tech Mahindra Limited | 0.20% | 0.27% |
| National Stock Exchange Of India Ltd | 0.18% | 0.41% |
| Biocon Limited | 1.06% | 0.17% |
| Divi's Laboratories Limited | 0.17% | 0.37% |
| Tata Consultancy Services Limited | 0.17% | 0.29% |
| Pidilite Industries Limited | 0.17% | 0.16% |
| Infosys Limited | 0.16% | 0.34% |
| Tata Steel Limited | 0.15% | 0.18% |
| Max Financial Services Limited | 0.15% | 0.17% |
| Lenskart Solutions Limited | 0.15% | 0.20% |
| Power Finance Corporation Limited | 0.44% | 0.14% |
| NTPC Limited | 0.14% | 0.16% |
| Cholamandalam Investment and Finance Company Ltd | 0.13% | 0.15% |
| Aadhar Housing Finance Limited | 0.13% | 0.19% |
| India Shelter Finance Corporation Limited | 0.13% | 0.13% |
| Oil & Natural Gas Corporation Limited | 0.14% | 0.12% |
| Five Star Business Finance Limited | 0.12% | 0.13% |
| National Aluminium Company Limited | 0.12% | 0.14% |
| Info Edge (India) Limited | 0.12% | 0.17% |
| Krishna Institute Of Medical Sciences Limited | 0.12% | 0.12% |
| 6.36% Government of India (16/02/2031) | 2.90% | 0.11% |
| Asian Paints Limited | 0.11% | 0.16% |
| Max Healthcare Institute Limited | 0.11% | 0.24% |
| Billionbrains Garage Ventures Ltd | 0.11% | 0.15% |
| TD Power Systems Limited | 0.11% | 0.14% |
| Indigo Paints Limited | 0.11% | 0.10% |
| Azad Engineering Ltd | 0.10% | 0.17% |
| CG Power and Industrial Solutions Limited | 0.10% | 0.12% |
| Bharat Heavy Electricals Limited | 0.10% | 0.20% |
| CARE Ratings Limited | 0.10% | 0.11% |
| Aditya Infotech Limited | 0.10% | 0.12% |
| PNB Housing Finance Limited | 0.19% | 0.09% |
| Poly Medicure Limited | 0.10% | 0.09% |
| PB Fintech Limited | 0.10% | 0.09% |
| Leela Palaces Hotels & Resorts Limited | 0.09% | 0.13% |
| KRN Heat Exchanger And Refrigeration Limited | 0.09% | 0.13% |
| Vedanta Aluminium Metal Limited | 0.09% | 0.18% |
| The Phoenix Mills Limited | 0.09% | 0.12% |
| Ajax Engineering Limited | 0.09% | 0.10% |
| Navin Fluorine International Limited | 0.14% | 0.08% |
| Dynamatic Technologies Limited | 0.10% | 0.08% |
| Gillette India Limited | 0.08% | 0.08% |
| TBO Tek Limited | 0.08% | 0.09% |
| Cummins India Limited | 1.16% | 0.07% |
| Eureka Forbes Ltd | 0.07% | 0.11% |
| Bajaj Finance Limited | 0.07% | 0.31% |
| Solar Industries India Limited | 0.07% | 0.11% |
| Computer Age Management Services Limited | 0.07% | 0.07% |
| Mankind Pharma Limited | 0.11% | 0.06% |
| eClerx Services Limited | 0.07% | 0.06% |
| Oil India Limited | 0.06% | 0.19% |
| Intellect Design Arena Limited | 0.06% | 0.06% |
| Firstsource Solutions Limited | 0.06% | 0.07% |
| 364 Days Tbill (MD 03/12/2026) | 0.18% | 0.05% |
| Safari Industries (India) Limited | 0.05% | 0.05% |
| 360 One WAM Limited | 0.05% | 0.11% |
| 6.68% Government of India (07/07/2040) | 2.09% | 0.04% |
| SBI Life Insurance Company Limited | 1.60% | 0.04% |
| 6.48% Government of India (06/10/2035) | 0.42% | 0.04% |
| S.J.S. Enterprises Limited | 0.05% | 0.04% |
| 364 Days Tbill (MD 12/11/2026) | 0.04% | 0.16% |
| JSW Steel Limited | 0.04% | 0.05% |
| Doms Industries Limited | 0.04% | 0.06% |
| 7.02% Government of India (18/06/2031) | 0.74% | 0.03% |
| Indiqube Spaces Limited | 0.04% | 0.03% |
| Shiprocket Limited | 0.03% | 0.12% |
| Milky Mist Dairy Food Limited | 0.02% | 0.04% |
| ICICI Prudential Asset Management Company Limited | 0.02% | 0.05% |
| Rainbow Childrens Medicare Limited | 0.02% | 0.05% |
| AIA Engineering Limited | 0.01% | 0.07% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 35.8% means 35.8% 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 WhiteOak Capital Equity Savings Fund
| Security | % of fund |
|---|---|
| Vodafone Idea Limited | 4.44% |
| 6.01% Government of India (21/07/2030) | 1.79% |
| TVS Motor Company Limited | 1.72% |
| Bandhan Bank Limited | 1.52% |
| Ashok Leyland Limited | 1.45% |
Largest holdings only in WhiteOak Capital Multi Asset Allocation Fund
| Security | % of fund |
|---|---|
| ICICI Prudential Gold ETF | 2.82% |
| DSP Gold ETF | 1.75% |
| National Highways Infra Trust | 1.51% |
| 7.44% Power Finance Corporation Limited (15/01/2030) | 1.46% |
| 7.44% National Bank For Agriculture and Rural Development (17/07/2029) | 1.40% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | WhiteOak Capital Equity Savings | WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| Equity | 65.6% | 28.2% |
| Debt | 19.3% | 31.0% |
| Cash and others | 15.1% | 40.8% |
Market cap of stocks
| Market cap | WhiteOak Capital Equity Savings | WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| Large Cap | 49.5% | 19.9% |
| Mid Cap | 10.3% | 3.1% |
| Small Cap | 4.9% | 3.5% |
| Foreign stocks | 0.0% | 0.4% |
| Not on AMFI's list | 0.8% | 1.4% |
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 Multi Asset Allocation |
|---|---|---|
| Banks | 25.1% | 6.2% |
| Telecom - Services | 7.1% | 1.4% |
| IT - Software | 4.1% | 2.0% |
| Finance | 3.9% | 1.7% |
| Automobiles | 2.7% | 1.3% |
| Insurance | 2.6% | 0.2% |
| Pharmaceuticals & Biotechnology | 2.1% | 1.9% |
| Food Products | 0.7% | 1.4% |
The six largest sectors of each fund's stocks, % of the fund.
WhiteOak Capital Equity Savings vs WhiteOak Capital Multi Asset Allocation: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | WhiteOak Capital Equity Savings Fund | WhiteOak Capital Multi Asset Allocation Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.51% | 0.65% |
| Base expense ratio (Direct) | 0.75% | 0.38% |
| Total expense ratio (Regular) | 2.99% | 1.67% |
| Base expense ratio (Regular) | 2.00% | 1.25% |
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
Compare WhiteOak Capital Multi Asset Allocation with
WhiteOak Capital Equity Savings Fund vs WhiteOak Capital Multi Asset Allocation Fund: Frequently Asked Questions
What is the difference between WhiteOak Capital Equity Savings Fund and WhiteOak Capital Multi Asset Allocation Fund?
WhiteOak Capital Equity Savings Fund is an Equity Savings fund, WhiteOak Capital Multi Asset Allocation Fund is a Multi Asset fund, run by WhiteOak Capital Mutual Fund. Their portfolios overlap 35.8%. WhiteOak Capital Equity Savings Fund charges 1.51% a year and WhiteOak Capital Multi Asset Allocation Fund 0.65%.
Which has given higher returns, WhiteOak Capital Equity Savings Fund or WhiteOak Capital Multi Asset Allocation Fund?
Over 1 year: WhiteOak Capital Equity Savings Fund +4.28%, WhiteOak Capital Multi Asset Allocation Fund +6.03%. 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 Multi Asset Allocation Fund?
WhiteOak Capital Multi Asset Allocation Fund charges less: 0.65% 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 Multi Asset Allocation Fund overlap?
35.8%. They hold 108 of the same securities, the largest shared ones being ICICIBANK, NXST, 6.94% Government of India (11/05/2036). From each fund's latest monthly portfolio.
Which is riskier, WhiteOak Capital Equity Savings Fund or WhiteOak Capital Multi Asset Allocation Fund?
On SEBI's riskometer, WhiteOak Capital Equity Savings Fund is rated Moderate and WhiteOak Capital Multi Asset Allocation Fund High. Over 1 years, the standard deviation of daily returns was 3.74% and 6.99% a year.
Can I invest in both WhiteOak Capital Equity Savings Fund and WhiteOak Capital Multi Asset Allocation Fund?
Yes. 35.8% 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 Multi Asset Allocation Fund?
WhiteOak Capital Equity Savings Fund: Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal, Bhavin Patadia. WhiteOak Capital Multi Asset Allocation Fund: Ramesh Mantri, Piyush Baranwal, Dheeresh Pathak, Ashish Agrawal, Trupti 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.