WhiteOak Capital Flexi Cap Fund vs WhiteOak Capital Large Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
WhiteOak Capital Flexi Cap Fund is a Flexi Cap fund and WhiteOak Capital Large Cap Fund is a Large Cap fund. In the 3 years to 30-10-2026, WhiteOak Capital Flexi Cap Fund (Direct) returned 14.0% a year and WhiteOak Capital Large Cap Fund (Direct) returned 13.2% a year. WhiteOak Capital Flexi Cap Fund charges 0.82% a year and WhiteOak Capital Large Cap Fund 0.92% (Direct plans). Their portfolios overlap 61.0%: they hold 64 of the same securities.
WhiteOak Capital Flexi Cap Fund
Flexi Cap
- 3 year return
- 14.0%
- Expense ratio
- 0.82%
- NAV
- ₹18.25
WhiteOak Capital Large Cap Fund
Large Cap
- 3 year return
- 13.2%
- Expense ratio
- 0.92%
- NAV
- ₹15.19
Which is better, WhiteOak Capital Flexi Cap or WhiteOak Capital Large 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 Flexi Cap returned more over 3 years: 14.0% a year against 13.2%.
- WhiteOak Capital Flexi Cap returned more over 1 year: −2.6% against −5.4%.
- WhiteOak Capital Flexi Cap costs less: 0.82% a year against 0.92% (Direct plans).
- WhiteOak Capital Large Cap swung less over 3 years: a standard deviation of 13.3% a year against 13.6%.
- WhiteOak Capital Large Cap fell less in its worst fall since 02-12-2022: −15.3% against −15.6%.
- WhiteOak Capital Large Cap holds more in large companies: 77.5% of the fund in large caps against 52.1%.
- WhiteOak Capital Flexi Cap is the larger fund: ₹9,325 Cr against ₹1,208 Cr.
- Their portfolios overlap 61.0%: 64 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 Flexi Cap Fund | WhiteOak Capital Large Cap Fund |
|---|---|---|
| Fund house | WhiteOak Capital Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Flexi Cap | Large Cap |
| AUM | ₹9,325 Cr (30-09-2026) | ₹1,208 Cr (30-09-2026) |
| NAV | ₹18.25 (Direct) | ₹15.19 (Direct) |
| Expense ratio (Direct) | 0.82% | 0.92% |
| Expense ratio (Regular) | 2.05% | 2.48% |
| Riskometer | Very High | Very High |
| Benchmark | BSE 500 TRI | BSE 100 TRI |
| Launch date | 02-08-2022 | 01-12-2022 |
| 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 |
| Exit load | Nil | Nil |
WhiteOak Capital Flexi Cap vs WhiteOak Capital Large 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 Flexi Cap Fund (Direct) | −0.78% | −4.33% | +2.26% | −2.61% | +13.99% | -- | -- |
| WhiteOak Capital Large Cap Fund (Direct) | +0.84% | −4.90% | −0.27% | −5.44% | +13.22% | -- | -- |
| Flexi Cap average | −1.62% | −4.17% | +1.00% | −3.58% | +12.37% | -- | -- |
| Large Cap average | +0.62% | −4.36% | −1.05% | −6.33% | +10.38% | -- | -- |
Category average: the average of the 46 Flexi Cap funds and the 35 Large Cap funds, same plan type.
WhiteOak Capital Flexi Cap vs WhiteOak Capital Large Cap: Year-wise Returns
| Year | FlexiWhiteOak Capital Flexi Cap | LargeWhiteOak Capital Large Cap |
|---|---|---|
| 2026to date | −2.11% | −6.13% |
| 2025 | +6.05% | +9.49% |
| 2024 | +25.47% | +22.98% |
| 2023 | +33.29% | +25.35% |
WhiteOak Capital Flexi Cap vs WhiteOak Capital Large Cap: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of WhiteOak Capital Flexi Cap Fund
Rolling returns
Every 3-year holding period, 224 of them, one for each trading day from 02-12-2025 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 Flexi Cap Fund (Direct)
WhiteOak Capital Large Cap Fund (Direct)
BSE 500 TRI
to
Dec 2025Feb 2023
to
Feb 2026Apr 2023
to
Apr 2026Jun 2023
to
Jun 2026Aug 2023
to
Aug 2026Oct 2023
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 Flexi Cap | 0.0 | 0.0 | 0.0 | 14.3 | 56.3 | 29.5 | 0.0 | 18.1% | 18.0% | 12.8% | 22.5% | 100% |
| WhiteOak Capital Large Cap | 0.0 | 0.0 | 0.0 | 33.0 | 62.5 | 4.5 | 0.0 | 16.3% | 15.8% | 11.5% | 20.5% | 100% |
| BSE 500 TRI | 0.0 | 0.0 | 10.7 | 52.7 | 36.6 | 0.0 | 0.0 | 13.7% | 13.7% | 8.4% | 17.8% | -- |
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 02-12-2022. Past returns do not promise future returns.
WhiteOak Capital Flexi Cap vs WhiteOak Capital Large 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 01-12-2022 to 30-10-2026: 47 instalments, ₹4,70,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| WhiteOak Capital Flexi CapWhiteOak Capital Flexi Cap Fund (Direct) | ₹4,70,000 | ₹5,73,967 | ₹1,03,967 | 10.2% |
| WhiteOak Capital Large CapWhiteOak Capital Large Cap Fund (Direct) | ₹4,70,000 | ₹5,49,859 | ₹79,859 | 8.0% |
WhiteOak Capital Flexi CapWhiteOak Capital Flexi Cap Fund (Direct)
WhiteOak Capital Large CapWhiteOak Capital Large 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 Flexi Cap vs WhiteOak Capital Large Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | WhiteOak Capital Flexi Cap Fund (Direct) | WhiteOak Capital Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −2.61% | −5.44% |
| Standard deviation | 13.35% | 12.81% |
| Sharpe ratio | -0.59 | -0.83 |
| Sortino ratio | -0.79 | -1.11 |
| Maximum drawdown | −14.9% (23-03-2026) | −13.9% (30-03-2026) |
| Beta | 0.92 | 0.91 |
| Alpha | +4.00% | +2.22% |
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 Flexi Cap Fund (Direct) | WhiteOak Capital Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.99% | +13.22% |
| Standard deviation | 13.65% | 13.27% |
| Sharpe ratio | 0.58 | 0.54 |
| Sortino ratio | 0.79 | 0.75 |
| Maximum drawdown | −15.6% (28-02-2025) | −15.3% (28-02-2025) |
| Beta | 0.94 | 0.96 |
| Alpha | +4.34% | +4.37% |
From daily NAVs, 30-10-2023 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.
| Measure | WhiteOak Capital Flexi Cap Fund (Direct) | WhiteOak Capital Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +15.19% | +11.46% |
| Standard deviation | 12.69% | 12.47% |
| Sharpe ratio | 0.71 | 0.42 |
| Sortino ratio | 0.97 | 0.58 |
| Maximum drawdown | −15.6% (28-02-2025) | −15.3% (28-02-2025) |
| Beta | 0.93 | 0.96 |
| Alpha | +5.17% | +3.59% |
From daily NAVs, 03-08-2022 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 Flexi Cap Fund (Direct)
WhiteOak Capital Large 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 Flexi Cap Fund (Direct) | −15.6% | 16-12-2024 | 28-02-2025 | 26-06-2025 | 4 months | −6.5% |
| WhiteOak Capital Large Cap Fund (Direct) | −15.3% | 26-09-2024 | 28-02-2025 | 27-06-2025 | 4 months | −7.2% |
| BSE 500 TRI | −18.7% | 26-09-2024 | 28-02-2025 | Not yet | -- | −9.4% |
From daily values since 02-12-2022, 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 Flexi Cap Fund (Direct)
WhiteOak Capital Large Cap Fund (Direct)
BSE 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
WhiteOak Capital Flexi Cap Fund (Direct)
WhiteOak Capital Large Cap Fund (Direct)
BSE 500 TRI
Against BSE 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| WhiteOak Capital Flexi Cap Fund (Direct) | 106% | 79% | 3.73% |
| WhiteOak Capital Large Cap Fund (Direct) | 99% | 83% | 3.27% |
From month-end values since 02-12-2022. 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 Flexi Cap vs WhiteOak Capital Large Cap: Portfolio Overlap
From each fund's latest monthly portfolio: WhiteOak Capital Flexi Cap Fund, September 2026; WhiteOak Capital Large Cap Fund, September 2026
Holdings in common
- Overlap
- 61.0%
- Held by both
- 64
- Only in WhiteOak Capital Flexi Cap
- 103
- Only in WhiteOak Capital Large Cap
- 13
| Security | % of WhiteOak Capital Flexi Cap | % of WhiteOak Capital Large Cap |
|---|---|---|
| ICICI Bank Limited | 8.47% | 9.71% |
| Bharti Airtel Limited | 4.63% | 5.43% |
| HDFC Bank Limited | 3.81% | 6.32% |
| Nestle India Limited | 3.67% | 4.49% |
| State Bank of India | 2.62% | 3.36% |
| Mahindra & Mahindra Limited | 2.55% | 3.27% |
| Kotak Mahindra Bank Limited | 2.19% | 3.41% |
| Reliance Industries Limited | 2.08% | 3.00% |
| Eternal Limited | 1.88% | 3.32% |
| Titan Company Limited | 1.68% | 2.65% |
| Bharat Electronics Limited | 1.59% | 2.00% |
| Nexus Select Trust - REIT | 1.45% | 2.09% |
| Maruti Suzuki India Limited | 1.36% | 2.18% |
| Axis Bank Limited | 1.35% | 2.11% |
| Coforge Limited | 1.30% | 1.46% |
| Hindalco Industries Limited | 0.92% | 1.39% |
| Muthoot Finance Limited | 0.84% | 1.14% |
| Solar Industries India Limited | 0.76% | 1.22% |
| Max Financial Services Limited | 0.77% | 0.74% |
| Torrent Pharmaceuticals Limited | 1.62% | 0.72% |
| Lenskart Solutions Limited | 0.69% | 0.69% |
| Larsen & Toubro Limited | 0.65% | 1.85% |
| Bajaj Finserv Limited | 0.63% | 1.10% |
| Cipla Limited | 0.67% | 0.61% |
| Navin Fluorine International Limited | 0.60% | 0.71% |
| Divi's Laboratories Limited | 0.59% | 1.22% |
| 91 Days Tbill (MD 29/10/2026) | 0.72% | 0.56% |
| Asian Paints Limited | 0.56% | 0.96% |
| Bajaj Finance Limited | 0.56% | 1.03% |
| Bharat Heavy Electricals Limited | 0.52% | 0.90% |
| Persistent Systems Limited | 0.52% | 0.94% |
| Aadhar Housing Finance Limited | 1.19% | 0.51% |
| Billionbrains Garage Ventures Ltd | 0.49% | 0.61% |
| Oil India Limited | 0.45% | 0.54% |
| Tech Mahindra Limited | 0.44% | 1.77% |
| Adani Enterprises Limited | 0.41% | 0.63% |
| National Stock Exchange Of India Ltd | 0.41% | 0.92% |
| Info Edge (India) Limited | 0.58% | 0.40% |
| Poly Medicure Limited | 0.50% | 0.39% |
| 91 Days Tbill (MD 03/12/2026) | 0.39% | 1.02% |
| Tata Capital Limited | 0.39% | 0.83% |
| CG Power and Industrial Solutions Limited | 0.38% | 0.50% |
| Embassy Office Parks REIT | 0.36% | 1.22% |
| Oil & Natural Gas Corporation Limited | 0.36% | 0.60% |
| Cholamandalam Investment and Finance Company Ltd | 0.35% | 0.96% |
| JSW Steel Limited | 0.34% | 0.51% |
| TBO Tek Limited | 0.49% | 0.33% |
| Tata Consultancy Services Limited | 0.33% | 0.81% |
| National Highways Infra Trust | 0.90% | 0.32% |
| 91 Days Tbill (MD 19/11/2026) | 0.32% | 0.41% |
| Vedanta Aluminium Metal Limited | 0.31% | 0.45% |
| NTPC Limited | 0.31% | 0.80% |
| Power Finance Corporation Limited | 0.30% | 0.66% |
| Pidilite Industries Limited | 0.28% | 0.78% |
| 91 Days Tbill (MD 22/10/2026) | 0.34% | 0.26% |
| 182 Days Tbill (MD 12/11/2026) | 0.25% | 0.39% |
| Tata Steel Limited | 0.17% | 0.46% |
| Manipal Health Enterprises Ltd | 0.17% | 0.27% |
| ICICI Prudential Asset Management Company Limited | 0.13% | 0.32% |
| 91 Days Tbill (MD 05/11/2026) | 0.12% | 0.23% |
| Infosys Limited | 0.45% | 0.09% |
| 182 Days Tbill (MD 05/11/2026) | 0.09% | 0.18% |
| 364 Days Tbill (MD 12/11/2026) | 0.06% | 0.10% |
| Max Healthcare Institute Limited | 0.12% | 0.01% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 61.0% means 61.0% 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 Flexi Cap Fund
| Security | % of fund |
|---|---|
| Azad Engineering Ltd | 0.81% |
| KRN Heat Exchanger And Refrigeration Limited | 0.70% |
| Five Star Business Finance Limited | 0.64% |
| India Shelter Finance Corporation Limited | 0.64% |
| Ajanta Pharma Limited | 0.63% |
Largest holdings only in WhiteOak Capital Large Cap Fund
| Security | % of fund |
|---|---|
| Sun Pharmaceutical Industries Limited | 1.03% |
| JSW Infrastructure Ltd | 0.82% |
| Raajmarg Infra Investment Trust | 0.75% |
| Tata Consumer Products Limited | 0.74% |
| IndusInd Bank Limited | 0.55% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | WhiteOak Capital Flexi Cap | WhiteOak Capital Large Cap |
|---|---|---|
| Equity | 89.5% | 87.9% |
| Debt | 3.3% | 3.1% |
| Cash and others | 7.1% | 9.0% |
Market cap of stocks
| Market cap | WhiteOak Capital Flexi Cap | WhiteOak Capital Large Cap |
|---|---|---|
| Large Cap | 52.1% | 77.5% |
| Mid Cap | 8.1% | 6.7% |
| Small Cap | 27.0% | 1.9% |
| Not on AMFI's list | 2.4% | 1.7% |
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 Flexi Cap | WhiteOak Capital Large Cap |
|---|---|---|
| Banks | 19.9% | 25.5% |
| Finance | 7.4% | 6.2% |
| Automobiles | 3.9% | 5.8% |
| Pharmaceuticals & Biotechnology | 5.5% | 3.6% |
| Telecom - Services | 4.6% | 5.4% |
| IT - Software | 3.7% | 5.1% |
| Retailing | 4.1% | 5.0% |
| Food Products | 4.3% | 4.5% |
The six largest sectors of each fund's stocks, % of the fund.
WhiteOak Capital Flexi Cap vs WhiteOak Capital Large Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | WhiteOak Capital Flexi Cap Fund | WhiteOak Capital Large Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.82% | 0.92% |
| Base expense ratio (Direct) | 0.47% | 0.55% |
| Total expense ratio (Regular) | 2.05% | 2.48% |
| Base expense ratio (Regular) | 1.51% | 1.87% |
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 Flexi Cap with
WhiteOak Capital Flexi Cap Fund vs WhiteOak Capital Large Cap Fund: Frequently Asked Questions
What is the difference between WhiteOak Capital Flexi Cap Fund and WhiteOak Capital Large Cap Fund?
WhiteOak Capital Flexi Cap Fund is a Flexi Cap fund, WhiteOak Capital Large Cap Fund is a Large Cap fund, run by WhiteOak Capital Mutual Fund. Their portfolios overlap 61.0%. WhiteOak Capital Flexi Cap Fund charges 0.82% a year and WhiteOak Capital Large Cap Fund 0.92%.
Which has given higher returns, WhiteOak Capital Flexi Cap Fund or WhiteOak Capital Large Cap Fund?
Over 1 year: WhiteOak Capital Flexi Cap Fund −2.61%, WhiteOak Capital Large Cap Fund −5.44%. Over 3 years: WhiteOak Capital Flexi Cap Fund +13.99% a year, WhiteOak Capital Large Cap Fund +13.22% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, WhiteOak Capital Flexi Cap Fund or WhiteOak Capital Large Cap Fund?
WhiteOak Capital Flexi Cap Fund charges less: 0.82% a year against 0.92%. These are the Direct plans' total expense ratios reported to AMFI.
How much do WhiteOak Capital Flexi Cap Fund and WhiteOak Capital Large Cap Fund overlap?
61.0%. They hold 64 of the same securities, the largest shared ones being ICICIBANK, BHARTIARTL, HDFCBANK. From each fund's latest monthly portfolio.
Which is riskier, WhiteOak Capital Flexi Cap Fund or WhiteOak Capital Large Cap Fund?
On SEBI's riskometer, WhiteOak Capital Flexi Cap Fund is rated Very High and WhiteOak Capital Large Cap Fund Very High. Over 3 years, the standard deviation of daily returns was 13.65% and 13.27% a year.
Which is better for SIP, WhiteOak Capital Flexi Cap Fund or WhiteOak Capital Large Cap Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹4,06,843 in WhiteOak Capital Flexi Cap Fund (XIRR 6.1% a year) and ₹3,94,768 in WhiteOak Capital Large Cap Fund (XIRR 4.2% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both WhiteOak Capital Flexi Cap Fund and WhiteOak Capital Large Cap Fund?
Yes. 61.0% 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 Flexi Cap Fund and WhiteOak Capital Large Cap Fund?
WhiteOak Capital Flexi Cap Fund: Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal. WhiteOak Capital Large 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.