WhiteOak Capital Large Cap Fund vs WhiteOak Capital Multi Asset Allocation Fund
Direct Plan, Growth option · Data as on 30-10-2026
WhiteOak Capital Large Cap Fund is a Large Cap fund and WhiteOak Capital Multi Asset Allocation Fund is a Multi Asset fund. In the 3 years to 30-10-2026, WhiteOak Capital Large Cap Fund (Direct) returned 13.2% a year and WhiteOak Capital Multi Asset Allocation Fund (Direct) returned 16.1% a year. WhiteOak Capital Large Cap Fund charges 0.92% a year and WhiteOak Capital Multi Asset Allocation Fund 0.65% (Direct plans). Their portfolios overlap 27.3%: they hold 65 of the same securities.
WhiteOak Capital Large Cap Fund
Large Cap
- 3 year return
- 13.2%
- Expense ratio
- 0.92%
- NAV
- ₹15.19
WhiteOak Capital Multi Asset Allocation Fund
Multi Asset
- 3 year return
- 16.1%
- Expense ratio
- 0.65%
- NAV
- ₹16.30
Which is better, WhiteOak Capital Large Cap 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 3 years: 16.1% a year against 13.2%.
- WhiteOak Capital Multi Asset Allocation returned more over 1 year: 6.0% against −5.4%.
- WhiteOak Capital Multi Asset Allocation costs less: 0.65% a year against 0.92% (Direct plans).
- WhiteOak Capital Multi Asset Allocation swung less over 3 years: a standard deviation of 5.7% a year against 13.3%.
- WhiteOak Capital Multi Asset Allocation fell less in its worst fall since 22-05-2023: −6.1% against −15.3%.
- WhiteOak Capital Large Cap holds more in large companies: 77.5% of the fund in large caps against 19.9%.
- WhiteOak Capital Multi Asset Allocation is the larger fund: ₹9,111 Cr against ₹1,208 Cr.
- Their portfolios overlap 27.3%: 65 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 Large Cap Fund | WhiteOak Capital Multi Asset Allocation Fund |
|---|---|---|
| Fund house | WhiteOak Capital Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Large Cap | Multi Asset |
| AUM | ₹1,208 Cr (30-09-2026) | ₹9,111 Cr (30-09-2026) |
| NAV | ₹15.19 (Direct) | ₹16.30 (Direct) |
| Expense ratio (Direct) | 0.92% | 0.65% |
| Expense ratio (Regular) | 2.48% | 1.67% |
| Riskometer | Very High | High |
| Benchmark | BSE 100 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 | 01-12-2022 | 19-05-2023 |
| Minimum investment | ₹500 | ₹500 |
| Lock in | None | None |
| Fund managers | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal | Ramesh Mantri, Piyush Baranwal, Dheeresh Pathak, Ashish Agrawal, Trupti Agrawal |
| Exit load | Nil | Nil |
WhiteOak Capital Large Cap 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 Large Cap Fund (Direct) | +0.84% | −4.90% | −0.27% | −5.44% | +13.22% | -- | -- |
| WhiteOak Capital Multi Asset Allocation Fund (Direct) | −1.16% | −1.15% | +1.63% | +6.03% | +16.11% | -- | -- |
| Large Cap average | +0.62% | −4.36% | −1.05% | −6.33% | +10.38% | -- | -- |
| Multi Asset average | −1.71% | −3.33% | −1.78% | +2.00% | +14.20% | -- | -- |
Category average: the average of the 35 Large Cap funds and the 37 Multi Asset funds, same plan type.
WhiteOak Capital Large Cap vs WhiteOak Capital Multi Asset Allocation: Year-wise Returns
| Year | Large CapWhiteOak Capital Large Cap | Multi Asset AllocationWhiteOak Capital Multi Asset Allocation |
|---|---|---|
| 2026to date | −6.13% | +4.15% |
| 2025 | +9.49% | +18.39% |
| 2024 | +22.98% | +18.99% |
| 2023 | +25.35% | -- |
WhiteOak Capital Large Cap vs WhiteOak Capital Multi Asset Allocation: Rolling Returns
Every holding period of both funds, against BSE 100 TRI, the benchmark of WhiteOak Capital Large Cap Fund
Rolling returns
Every 3-year holding period, 109 of them, one for each trading day from 22-05-2026 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 Large Cap Fund (Direct)
WhiteOak Capital Multi Asset Allocation Fund (Direct)
BSE 100 TRI
to
Jun 2026Jul 2023
to
Jul 2026Jul 2023
to
Jul 2026Aug 2023
to
Aug 2026Sept 2023
to
Sept 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 Large Cap | 0.0 | 0.0 | 0.0 | 67.9 | 32.1 | 0.0 | 0.0 | 14.2% | 14.6% | 11.5% | 16.1% | 100% |
| WhiteOak Capital Multi Asset Allocation | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 16.9% | 16.8% | 15.7% | 17.9% | 100% |
| BSE 100 TRI | 0.0 | 0.0 | 39.4 | 60.6 | 0.0 | 0.0 | 0.0 | 9.9% | 10.3% | 7.0% | 12.3% | -- |
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 100 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 22-05-2023. Past returns do not promise future returns.
WhiteOak Capital Large Cap 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 02-05-2023 to 30-10-2026: 42 instalments, ₹4,20,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| WhiteOak Capital Large CapWhiteOak Capital Large Cap Fund (Direct) | ₹4,20,000 | ₹4,69,179 | ₹49,179 | 6.3% |
| WhiteOak Capital Multi Asset AllocationWhiteOak Capital Multi Asset Allocation Fund (Direct) | ₹4,20,000 | ₹5,25,075 | ₹1,05,075 | 12.9% |
WhiteOak Capital Large CapWhiteOak Capital Large Cap 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 Large Cap 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 Large Cap Fund (Direct) | WhiteOak Capital Multi Asset Allocation Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.44% | +6.03% |
| Standard deviation | 12.81% | 6.99% |
| Sharpe ratio | -0.83 | 0.11 |
| Sortino ratio | -1.11 | 0.16 |
| Maximum drawdown | −13.9% (30-03-2026) | −6.1% (23-03-2026) |
| Beta | 0.91 | -- |
| Alpha | +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 Large Cap Fund (Direct) | WhiteOak Capital Multi Asset Allocation Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.22% | +16.11% |
| Standard deviation | 13.27% | 5.74% |
| Sharpe ratio | 0.54 | 1.76 |
| Sortino ratio | 0.75 | 2.50 |
| Maximum drawdown | −15.3% (28-02-2025) | −6.1% (23-03-2026) |
| Beta | 0.96 | -- |
| Alpha | +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 Large Cap Fund (Direct) | WhiteOak Capital Multi Asset Allocation Fund (Direct) |
|---|---|---|
| Return (CAGR) | +11.46% | +15.15% |
| Standard deviation | 12.47% | 5.49% |
| Sharpe ratio | 0.42 | 1.64 |
| Sortino ratio | 0.58 | 2.34 |
| Maximum drawdown | −15.3% (28-02-2025) | −6.1% (23-03-2026) |
| Beta | 0.96 | -- |
| Alpha | +3.59% | -- |
From daily NAVs, 02-12-2022 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 Large Cap Fund (Direct)
WhiteOak Capital Multi Asset Allocation Fund (Direct)
BSE 100 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| WhiteOak Capital Large Cap Fund (Direct) | −15.3% | 26-09-2024 | 28-02-2025 | 27-06-2025 | 4 months | −7.2% |
| WhiteOak Capital Multi Asset Allocation Fund (Direct) | −6.1% | 02-03-2026 | 23-03-2026 | 16-06-2026 | 3 months | −3.8% |
| BSE 100 TRI | −16.7% | 26-09-2024 | 28-02-2025 | 20-11-2025 | 9 months | −10.4% |
From daily values since 22-05-2023, 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 Large Cap Fund (Direct)
WhiteOak Capital Multi Asset Allocation Fund (Direct)
BSE 100 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 Large Cap Fund (Direct)
WhiteOak Capital Multi Asset Allocation Fund (Direct)
BSE 100 TRI
Against BSE 100 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| WhiteOak Capital Large Cap Fund (Direct) | 107% | 87% | 2.56% |
| WhiteOak Capital Multi Asset Allocation Fund (Direct) | 57% | -4% | 10.37% |
From month-end values since 22-05-2023. 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 Large Cap vs WhiteOak Capital Multi Asset Allocation: Portfolio Overlap
From each fund's latest monthly portfolio: WhiteOak Capital Large Cap Fund, September 2026; WhiteOak Capital Multi Asset Allocation Fund, September 2026
Holdings in common
- Overlap
- 27.3%
- Held by both
- 65
- Only in WhiteOak Capital Large Cap
- 12
- Only in WhiteOak Capital Multi Asset Allocation
- 135
| Security | % of WhiteOak Capital Large Cap | % of WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| ICICI Bank Limited | 9.71% | 2.89% |
| Nexus Select Trust - REIT | 2.09% | 3.64% |
| Bharti Airtel Limited | 5.43% | 1.41% |
| HDFC Bank Limited | 6.32% | 1.30% |
| Embassy Office Parks REIT | 1.22% | 2.88% |
| Nestle India Limited | 4.49% | 1.18% |
| Eternal Limited | 3.32% | 0.85% |
| State Bank of India | 3.36% | 0.83% |
| Reliance Industries Limited | 3.00% | 0.80% |
| Coforge Limited | 1.46% | 0.80% |
| Mahindra & Mahindra Limited | 3.27% | 0.79% |
| Raajmarg Infra Investment Trust | 0.75% | 0.91% |
| Kotak Mahindra Bank Limited | 3.41% | 0.69% |
| Adani Enterprises Limited | 0.63% | 0.78% |
| Torrent Pharmaceuticals Limited | 0.72% | 0.60% |
| Titan Company Limited | 2.65% | 0.54% |
| Maruti Suzuki India Limited | 2.18% | 0.49% |
| Citius Transnet Investment Trust | 0.49% | 1.64% |
| Axis Bank Limited | 2.11% | 0.48% |
| Bharat Electronics Limited | 2.00% | 0.48% |
| National Stock Exchange Of India Ltd | 0.92% | 0.41% |
| 182 Days Tbill (MD 12/11/2026) | 0.39% | 0.66% |
| Divi's Laboratories Limited | 1.22% | 0.37% |
| National Highways Infra Trust | 0.32% | 1.51% |
| Bajaj Finance Limited | 1.03% | 0.31% |
| Hindalco Industries Limited | 1.39% | 0.29% |
| Tata Consultancy Services Limited | 0.81% | 0.29% |
| Larsen & Toubro Limited | 1.85% | 0.28% |
| Tech Mahindra Limited | 1.77% | 0.27% |
| Bajaj Finserv Limited | 1.10% | 0.26% |
| Persistent Systems Limited | 0.94% | 0.25% |
| Cipla Limited | 0.61% | 0.23% |
| 91 Days Tbill (MD 05/11/2026) | 0.23% | 0.46% |
| Muthoot Finance Limited | 1.14% | 0.21% |
| Bharat Heavy Electricals Limited | 0.90% | 0.20% |
| Lenskart Solutions Limited | 0.69% | 0.20% |
| Oil India Limited | 0.54% | 0.19% |
| Aadhar Housing Finance Limited | 0.51% | 0.19% |
| Tata Steel Limited | 0.46% | 0.18% |
| Vedanta Aluminium Metal Limited | 0.45% | 0.18% |
| 182 Days Tbill (MD 05/11/2026) | 0.18% | 0.36% |
| Sun Pharmaceutical Industries Limited | 1.03% | 0.17% |
| Max Financial Services Limited | 0.74% | 0.17% |
| Info Edge (India) Limited | 0.40% | 0.17% |
| Asian Paints Limited | 0.96% | 0.16% |
| NTPC Limited | 0.80% | 0.16% |
| Pidilite Industries Limited | 0.78% | 0.16% |
| Cholamandalam Investment and Finance Company Ltd | 0.96% | 0.15% |
| Billionbrains Garage Ventures Ltd | 0.61% | 0.15% |
| Power Finance Corporation Limited | 0.66% | 0.14% |
| Oil & Natural Gas Corporation Limited | 0.60% | 0.12% |
| CG Power and Industrial Solutions Limited | 0.50% | 0.12% |
| Solar Industries India Limited | 1.22% | 0.11% |
| 364 Days Tbill (MD 12/11/2026) | 0.10% | 0.16% |
| Poly Medicure Limited | 0.39% | 0.09% |
| TBO Tek Limited | 0.33% | 0.09% |
| Infosys Limited | 0.09% | 0.34% |
| Navin Fluorine International Limited | 0.71% | 0.08% |
| Cummins India Limited | 0.37% | 0.07% |
| Manipal Health Enterprises Ltd | 0.27% | 0.07% |
| SBI Funds Management Limited | 0.51% | 0.06% |
| 91 Days Tbill (MD 03/12/2026) | 1.02% | 0.05% |
| JSW Steel Limited | 0.51% | 0.05% |
| ICICI Prudential Asset Management Company Limited | 0.32% | 0.05% |
| Max Healthcare Institute Limited | 0.01% | 0.24% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 27.3% means 27.3% 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 Large Cap Fund
| Security | % of fund |
|---|---|
| Tata Capital Limited | 0.83% |
| JSW Infrastructure Ltd | 0.82% |
| Tata Consumer Products Limited | 0.74% |
| 91 Days Tbill (MD 29/10/2026) | 0.56% |
| IndusInd Bank Limited | 0.55% |
Largest holdings only in WhiteOak Capital Multi Asset Allocation Fund
| Security | % of fund |
|---|---|
| ICICI Prudential Gold ETF | 2.82% |
| Cube Highways Trust-InvIT Fund | 2.53% |
| Knowledge Realty Trust | 2.18% |
| 6.94% Government of India (11/05/2036) | 2.16% |
| DSP Gold ETF | 1.75% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | WhiteOak Capital Large Cap | WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| Equity | 87.9% | 28.2% |
| Debt | 3.1% | 31.0% |
| Cash and others | 9.0% | 40.8% |
Market cap of stocks
| Market cap | WhiteOak Capital Large Cap | WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| Large Cap | 77.5% | 19.9% |
| Mid Cap | 6.7% | 3.1% |
| Small Cap | 1.9% | 3.5% |
| Foreign stocks | 0.0% | 0.4% |
| Not on AMFI's list | 1.7% | 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 Large Cap | WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| Banks | 25.5% | 6.2% |
| Finance | 6.2% | 1.7% |
| Automobiles | 5.8% | 1.3% |
| Telecom - Services | 5.4% | 1.4% |
| IT - Software | 5.1% | 2.0% |
| Retailing | 5.0% | 1.3% |
| Food Products | 4.5% | 1.4% |
| Pharmaceuticals & Biotechnology | 3.6% | 1.9% |
The six largest sectors of each fund's stocks, % of the fund.
WhiteOak Capital Large Cap vs WhiteOak Capital Multi Asset Allocation: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | WhiteOak Capital Large Cap Fund | WhiteOak Capital Multi Asset Allocation Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.92% | 0.65% |
| Base expense ratio (Direct) | 0.55% | 0.38% |
| Total expense ratio (Regular) | 2.48% | 1.67% |
| Base expense ratio (Regular) | 1.87% | 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 Large Cap with
Compare WhiteOak Capital Multi Asset Allocation with
WhiteOak Capital Large Cap Fund vs WhiteOak Capital Multi Asset Allocation Fund: Frequently Asked Questions
What is the difference between WhiteOak Capital Large Cap Fund and WhiteOak Capital Multi Asset Allocation Fund?
WhiteOak Capital Large Cap Fund is a Large Cap fund, WhiteOak Capital Multi Asset Allocation Fund is a Multi Asset fund, run by WhiteOak Capital Mutual Fund. Their portfolios overlap 27.3%. WhiteOak Capital Large Cap Fund charges 0.92% a year and WhiteOak Capital Multi Asset Allocation Fund 0.65%.
Which has given higher returns, WhiteOak Capital Large Cap Fund or WhiteOak Capital Multi Asset Allocation Fund?
Over 1 year: WhiteOak Capital Large Cap Fund −5.44%, WhiteOak Capital Multi Asset Allocation Fund +6.03%. Over 3 years: WhiteOak Capital Large Cap Fund +13.22% a year, WhiteOak Capital Multi Asset Allocation Fund +16.11% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, WhiteOak Capital Large Cap Fund or WhiteOak Capital Multi Asset Allocation Fund?
WhiteOak Capital Multi Asset Allocation Fund charges less: 0.65% a year against 0.92%. These are the Direct plans' total expense ratios reported to AMFI.
How much do WhiteOak Capital Large Cap Fund and WhiteOak Capital Multi Asset Allocation Fund overlap?
27.3%. They hold 65 of the same securities, the largest shared ones being ICICIBANK, NXST, BHARTIARTL. From each fund's latest monthly portfolio.
Which is riskier, WhiteOak Capital Large Cap Fund or WhiteOak Capital Multi Asset Allocation Fund?
On SEBI's riskometer, WhiteOak Capital Large Cap Fund is rated Very High and WhiteOak Capital Multi Asset Allocation Fund High. Over 3 years, the standard deviation of daily returns was 13.27% and 5.74% a year.
Which is better for SIP, WhiteOak Capital Large Cap Fund or WhiteOak Capital Multi Asset Allocation Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,94,768 in WhiteOak Capital Large Cap Fund (XIRR 4.2% a year) and ₹4,45,439 in WhiteOak Capital Multi Asset Allocation Fund (XIRR 12.1% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both WhiteOak Capital Large Cap Fund and WhiteOak Capital Multi Asset Allocation Fund?
Yes. 27.3% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages WhiteOak Capital Large Cap Fund and WhiteOak Capital Multi Asset Allocation Fund?
WhiteOak Capital Large Cap Fund: Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal. 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.