WhiteOak Capital Digital Bharat Fund

SectoralDirect and Regular plans, Growth option

Data as on 30-10-2026

WhiteOak Capital Digital Bharat Fund is a Sectoral fund run by WhiteOak Capital Mutual Fund. On 30-09-2026, it managed ₹474 Cr of investors' money. In the year to 30-10-2026, its Direct plan returned −3.8% and its Regular plan returned −5.4%. Its benchmark, BSE TECK TRI, returned −7.4% over the same year.

NAV (Direct plan): ₹10.54; ▼ 0.02%30-10-2026
NAV (Regular plan): ₹10.17; ▼ 0.01%30-10-2026
Expense ratio: 1.37%Direct3.13%Regular; 1.37%; A year
Riskometer: Very High; Set by the fund house
1 year return: −3.8%Direct−5.4%Regular; −3.8%; Total

WhiteOak Capital Digital Bharat Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹10.54 (down 0.02% that day); Regular Plan Growth ₹10.17 (down 0.01% that day).

This fund (Direct plan)

₹10.542

WhiteOak Capital Digital Bharat Fund Returns vs BSE TECK TRI

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	+7.03%	−0.40%	+15.29%	−3.77%	--	--	--
This fund (Regular)	+6.88%	−0.84%	+14.29%	−5.43%	--	--	--
BSE TECK TRI	+14.68%	+2.98%	+8.77%	−7.44%	+6.66%	+3.35%	+13.30%
Sectoral average	−1.70%	−4.49%	+2.30%	−0.58%	--	--	--
Best in Sectoral	+7.03%	+2.10%	+17.99%	+19.53%	--	--	--
Worst in Sectoral	−7.36%	−8.92%	−7.57%	−9.47%	--	--	--
Rank in Sectoral	1/20	4/19	3/19	12/17	--	--	--

Category rows compare the Direct plans of 20 Sectoral funds. Rank 1 is the highest return.

WhiteOak Capital Digital Bharat Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular	BSE TECK TRI
2026to date	−3.35%	−4.73%	−11.48%
2025	+1.81%	+0.07%	−3.10%

WhiteOak Capital Digital Bharat Fund Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 1-year holding period, plotted on the day it ended. There are 256 periods, one for each trading day from 14-10-2025 to 30-10-2026.

−30%−20%−10%0%10%20%

Nov 2024
to
Nov 2025Jan 2025
to
Jan 2026Mar 2025
to
Mar 2026May 2025
to
May 2026Jul 2025
to
Jul 2026Sept 2025
to
Sept 2026

WhiteOak Capital Digital Bharat Fund (Direct)BSE TECK TRI

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Benchmark median	Beat benchmark
1 year	256	0.6%	−12.4%	17.0%	48%	−9.4%	100%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than BSE TECK TRI over the same days. Past returns do not promise future returns.

WhiteOak Capital Digital Bharat Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	WhiteOak Capital Digital Bharat Fund (Direct)This fund	BSE TECK TRI
Return (CAGR)	−3.77%	−7.44%
Standard deviation	17.27%	18.81%
Sharpe ratio	-0.52	-0.67
Sortino ratio	-0.72	-0.93
Maximum drawdown	−25.5% (23-03-2026)	−26.9% (01-07-2026)
Beta	0.77	1.00
Alpha	+0.76%	0.00%

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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

Measure	WhiteOak Capital Digital Bharat Fund (Direct)This fund	BSE TECK TRI
Return (CAGR)	+2.35%	−8.08%
Standard deviation	18.82%	18.45%
Sharpe ratio	-0.18	-0.75
Sortino ratio	-0.25	-1.03
Maximum drawdown	−25.5% (23-03-2026)	−31.1% (01-07-2026)
Beta	0.82	1.00
Alpha	+7.99%	0.00%

From daily NAVs, 14-10-2024 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

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.

−40%−30%−20%−10%0%

20252026

WhiteOak Capital Digital Bharat Fund (Direct)BSE TECK TRI

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
WhiteOak Capital Digital Bharat Fund (Direct)	−25.5%	22-12-2025	23-03-2026	Not yet	--	−6.4%
BSE TECK TRI	−31.1%	13-12-2024	01-07-2026	Not yet	--	−19.2%

From the Direct plan's daily NAV since 14-10-2024, adjusted for unit splits, and BSE TECK TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

WhiteOak Capital Digital Bharat Fund vs Other Sectoral Funds

The five Sectoral funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
DSP Healthcare Fund	1/9	3,750	0.76%	+15.40%	+21.77%	+2.89%	0.77	1.25	1.77	Compare
Nippon India Pharma Fund	2/9	9,166	0.99%	+9.05%	+18.56%	−2.50%	0.88	0.97	1.39	Compare
Bandhan Transportation and Logistics Fund	3/9	771	1.07%	−1.82%	+17.11%	+1.71%	0.84	0.69	0.97	Compare
Nippon India Power & Infra Fund	4/9	7,867	1.11%	−2.17%	+16.41%	+2.80%	0.97	0.59	0.78	Compare
Invesco India Financial Services Fund	5/9	1,789	0.96%	−2.22%	+15.03%	+5.53%	0.93	0.55	0.77	Compare
WhiteOak Capital Digital Bharat Fund	12/17	474	1.37%	−3.77%	--	--	--	--	--

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

WhiteOak Capital Digital Bharat Fund Expense Ratio and Costs

What each plan charges a year, in force from 01-10-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Sectoral median	Cost rank (1 = cheapest)
Direct	0.61%	0.10%	0.02%	0.64%	1.37%	1.07%	19/20
Regular	2.10%	0.10%	0.02%	0.91%	3.13%	2.51%	19/20

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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Sectoral funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	−5.43%	−3.77%	1.66%	₹94,570	₹96,230

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

WhiteOak Capital Digital Bharat Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 14-10-2024 to 30-10-2026: 25 instalments, ₹2,50,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planWhiteOak Capital Digital Bharat Fund (Direct)	₹2,50,000	₹2,65,318	₹15,318	5.6%
Regular planWhiteOak Capital Digital Bharat Fund (Regular)	₹2,50,000	₹2,60,419	₹10,419	3.8%
BSE TECK TRI	₹2,50,000	₹2,42,679	−₹7,321	−2.7%
Category averageCategory average, 20 Sectoral funds	₹2,50,000	₹2,61,421	₹11,421	4.2%

₹0₹1.0 L₹2.0 L₹3.0 L

20252026

Direct planWhiteOak Capital Digital Bharat Fund (Direct)Regular planWhiteOak Capital Digital Bharat Fund (Regular)BSE TECK TRICategory averageCategory average, 20 Sectoral fundsAmount invested

From each plan's published NAV (Growth option), the benchmark's TRI and the category average, 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 Digital Bharat Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

90.9%Equity

Asset	Fund	Category
Equity	90.9%	95.6%
Debt	7.5%	0.7%
Cash and others	1.6%	3.7%

Market cap of stocks

Market cap	Fund	Category
Large Cap	43.1%	44.1%
Mid Cap	23.1%	21.8%
Small Cap	24.8%	26.9%

Share of the whole fund. Category: the average of the Sectoral funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.

WhiteOak Capital Digital Bharat Fund Sector Allocation

Sector allocation of the fund's stocks as on 30-09-2026

Largest sectors

IT - Software34.7%
Telecom - Services19.4%
Retailing19.0%
Commercial Services & Supplies6.0%
IT - Services3.4%
Industrial Products2.1%
Leisure Services1.9%
Personal Products1.9%
Capital Markets1.8%
Entertainment0.5%

The ten largest of 11 sectors. The other 1 add up to 0.3%.

Sector changes

Sector	July 2026	August 2026	September 2026	Change
IT - Software	22.4%	28.9%	34.7%	+12.3%
Telecom - Services	19.5%	18.3%	19.4%	−0.1%
Retailing	16.5%	17.9%	19.0%	+2.5%
Commercial Services & Supplies	6.4%	6.0%	6.0%	−0.4%
IT - Services	3.5%	3.5%	3.4%	−0.1%

Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.

WhiteOak Capital Digital Bharat Fund Portfolio Holdings

As on 30-09-2026 · 42 holdings · from the fund house's monthly portfolio

Holdings	Sector / Rating	Weight%	1M change
Bharti Airtel Limited	Telecom - Services	17.84%	0.0%
Eternal Limited	Retailing	8.24%	+1.0%
Coforge Limited	IT - Software	6.15%	+15.5%
Tech Mahindra Limited	IT - Software	6.14%	+27766.4%
Persistent Systems Limited	IT - Software	6.13%	+65.5%
Info Edge (India) Limited	Retailing	4.25%	0.0%
Infosys Limited	IT - Software	3.95%	0.0%
eClerx Services Limited	Commercial Services & Supplies	3.31%	0.0%
Tata Consultancy Services Limited	IT - Software	2.86%	0.0%
Firstsource Solutions Limited	Commercial Services & Supplies	2.72%	−6.9%
Sagility Limited	IT - Services	2.60%	−7.0%
Fractal Analytics Ltd	IT - Software	2.56%	0.0%
Lenskart Solutions Limited	Retailing	2.29%	0.0%
FSN E-Commerce Ventures Limited	Retailing	2.26%	0.0%
HCL Technologies Limited	IT - Software	2.21%	0.0%
KRN Heat Exchanger And Refrigeration Limited	Industrial Products	2.07%	0.0%
Cartrade Tech Limited	Retailing	1.98%	0.0%
Honasa Consumer Limited	Personal Products	1.86%	0.0%
Billionbrains Garage Ventures Ltd	Capital Markets	1.82%	0.0%
Intellect Design Arena Limited	IT - Software	1.81%	0.0%
TBO Tek Limited	Leisure Services	1.73%	0.0%
Bharti Hexacom Limited	Telecom - Services	1.55%	0.0%
91 Days Tbill (MD 29/10/2026) · Treasury bill	Sovereign	1.43%
91 Days Tbill (MD 08/10/2026) · Treasury bill	Sovereign	1.27%
Newgen Software Technologies Limited	IT - Software	1.10%	0.0%
91 Days Tbill (MD 10/12/2026) · Treasury bill	Sovereign	1.04%
182 Days Tbill (MD 12/11/2026) · Treasury bill	Sovereign	0.99%
Mastek Limited	IT - Software	0.80%	0.0%
Inventurus Knowledge Solutions Limited	IT - Services	0.80%	0.0%
Latent View Analytics Limited	IT - Software	0.78%	0.0%
91 Days Tbill (MD 22/10/2026) · Treasury bill	Sovereign	0.67%
91 Days Tbill (MD 19/11/2026) · Treasury bill	Sovereign	0.63%
91 Days Tbill (MD 05/11/2026) · Treasury bill	Sovereign	0.59%
Tips Music Limited	Entertainment	0.51%	0.0%
182 Days Tbill (MD 05/11/2026) · Treasury bill	Sovereign	0.46%
364 Days Tbill (MD 12/11/2026) · Treasury bill	Sovereign	0.25%
PB Fintech Limited	Financial Technology (Fintech)	0.25%	−91.6%
Oracle Financial Services Software Limited	IT - Software	0.19%	−92.8%
Le Travenues Technology Ltd	Leisure Services	0.14%	−64.7%
91 Days Tbill (MD 03/12/2026) · Treasury bill	Sovereign	0.13%
Urban Company Ltd.	Retailing	0.01%	0.0%
LTM Limited	IT - Software	0.00%	−99.8%

WhiteOak Capital Digital Bharat Fund Stocks Bought and Sold

All changes are between August 2026 and September 2026

Stocks bought and sold in September 2026

Eternal Limited	Added	+1.0%	8.24%
Coforge Limited	Added	+15.5%	6.15%
Tech Mahindra Limited	Added	+27766.4%	6.14%
Persistent Systems Limited	Added	+65.5%	6.13%
PB Fintech Limited	Reduced	−91.6%	0.25%
Oracle Financial Services Software Limited	Reduced	−92.8%	0.19%
Sagility Limited	Reduced	−7.0%	2.60%
Firstsource Solutions Limited	Reduced	−6.9%	2.72%
LTM Limited	Reduced	−99.8%	0.00%
Le Travenues Technology Ltd	Reduced	−64.7%	0.14%

A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.

What WhiteOak Capital Digital Bharat Fund bought and sold

WhiteOak Capital Digital Bharat Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
Kotak Technology FundThematic · Kotak Mahindra	52.6%	16	Compare
HDFC Technology FundThematic · HDFC	51.4%	14	Compare
SBI Technology Opportunities FundThematic · SBI	51.1%	14	Compare
Tata NIFTY India Digital Exchange Traded FundIndex · Tata	47.9%	22	Compare
HDFC Nifty India Digital Index FundIndex · HDFC	47.1%	21	Compare
Aditya Birla Sun Life Digital India FundThematic · Aditya Birla Sun Life	45.2%	17	Compare
ICICI Prudential Technology FundThematic · ICICI Prudential	45.0%	20	Compare
Tata Digital India FundThematic · Tata	42.3%	19	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

WhiteOak Capital Digital Bharat Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 1.37%
Expense ratio (Regular): 3.13%
Category: Sectoral
Risk: Very High
Benchmark: BSE Teck TRI
Launch date: 11-10-2024
Minimum investment: ₹500
Minimum additional investment: ₹500
AUM: ₹473.67 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 152915
ISIN (Direct): INF03VN01936
Scheme code (Regular): 152914
ISIN (Regular): INF03VN01944
NAV history: From 14-10-2024, 2.0 years

Exit load: Nil

Tax on WhiteOak Capital Digital Bharat Fund returns

WhiteOak Capital Digital Bharat Fund is taxed as an equity fund: 65% or more of it is in Indian stocks.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹10.542	30-10-2026
regular	Growth	₹10.173	30-10-2026

About WhiteOak Capital Digital Bharat Fund

WhiteOak Capital Digital Bharat Fund is a mutual fund from WhiteOak Capital Mutual Fund. Its category is Sectoral. It was launched on 11-10-2024. Its benchmark is BSE Teck TRI. At the end of September 2026 it held 42 securities.

Fund Manager

Ramesh Mantri
Fund manager of WhiteOak Capital Digital Bharat Fund, since 11-10-2024
Piyush Baranwal
Fund manager of WhiteOak Capital Digital Bharat Fund, since 11-10-2024
Trupti Agrawal
Fund manager of WhiteOak Capital Digital Bharat Fund, since 11-10-2024
Dheeresh Pathak
Fund manager of WhiteOak Capital Digital Bharat Fund, since 11-10-2024
Ashish Agrawal
Fund manager of WhiteOak Capital Digital Bharat Fund, since 06-01-2025

See all funds of WhiteOak Capital Mutual Fund

AUM change

September 2026: ₹473.67 Cr; −9.05% from August 2026
August 2026: ₹520.83 Cr; +3.25% from July 2026
July 2026: ₹504.43 Cr; +17.81% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare WhiteOak Capital Digital Bharat Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

WhiteOak Capital Digital Bharat vs DSP HealthcareSectoral
WhiteOak Capital Digital Bharat vs Nippon India PharmaSectoral
WhiteOak Capital Digital Bharat vs Bandhan Transportation and LogisticsSectoral
WhiteOak Capital Digital Bharat vs Nippon India Power & InfraSectoral
WhiteOak Capital Digital Bharat vs Invesco India Financial ServicesSectoral
WhiteOak Capital Digital Bharat vs Kotak Technology52.6% overlap
WhiteOak Capital Digital Bharat vs HDFC Technology51.4% overlap
WhiteOak Capital Digital Bharat vs SBI Technology Opportunities51.1% overlap

Compare with any other fund

Frequently Asked Questions for WhiteOak Capital Digital Bharat Fund

What is the current NAV of WhiteOak Capital Digital Bharat Fund?

The Direct plan NAV is ₹10.542. The Regular plan NAV is ₹10.173, as on 30-10-2026.

What are the returns of WhiteOak Capital Digital Bharat Fund?

The Direct plan returned −3.77% in 1 year. The Regular plan returned −5.43% in 1 year. These figures are as on 30-10-2026.

What is the expense ratio of WhiteOak Capital Digital Bharat Fund?

The Direct plan charges 1.37% a year. The Regular plan charges 3.13% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.

What is the AUM of WhiteOak Capital Digital Bharat Fund?

WhiteOak Capital Digital Bharat Fund managed ₹473.67 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of WhiteOak Capital Digital Bharat Fund?

At the end of September 2026 the largest holdings were BHARTIARTL (17.84%), ETERNAL (8.24%), COFORGE (6.15%), TECHM (6.14%), PERSISTENT (6.13%). The fund held 42 securities in all.

What did WhiteOak Capital Digital Bharat Fund buy and sell in September 2026?

It added shares in 4. It reduced 6.

How do I invest in WhiteOak Capital Digital Bharat Fund?

Through WhiteOak Capital Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹500. You can invest once or through a monthly SIP.

Who is the fund manager of WhiteOak Capital Digital Bharat Fund?

Ramesh Mantri (since 11-10-2024), Piyush Baranwal (since 11-10-2024), Trupti Agrawal (since 11-10-2024), Dheeresh Pathak (since 11-10-2024), Ashish Agrawal (since 06-01-2025).

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

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.