HealthyDirect · GrowthFit for a long SIP
WhiteOak Capital Large & Mid Cap Fund
WhiteOak Capital Mutual FundEquity Schemes - Large & Mid Cap Fund2.9 years
The scheme seeks to generate long term capital appreciation by investing in and managing a diversified portfolio of equity and equity related instruments of large and mid cap companies.
- NAV
- 14.143
- 4 Nov 2026
- 1Y
- +1.2%
- Trailing CAGR
- AUM
- ₹2,604.03 Cr
- 30 Sept 2026
- Volatility
- Medium
- 14.5% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 4 Nov 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 97% of rolling 1-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Fail
2.9 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.89% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -16.0%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Ashish Agrawal · 1.8 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 29.2% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 16%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+1.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+12.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.6%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +12.7%
- Calendar-day CAGR
- Excess 1Y
- +2.8%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -16.0%
- Worst peak-to-trough
- Current
- -4.3%
- Below last peak
- Current spell
- 65 days
- Days below latest peak
- Time below peak
- +85%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 47 recovered episodes
- Longest recovery
- 118 days
- Trough to prior peak
16 Dec 2024 – 26 Jun 2025
Trough 28 Feb 2025 · recovered in 118 days
-16.0%
7 Jan 2026 – 6 Jul 2026
Trough 23 Mar 2026 · recovered in 105 days
-13.1%
31 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-9.9%
27 Sept 2024 – 16 Dec 2024
Trough 13 Nov 2024 · recovered in 33 days
-7.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
25
Vs category
68
Consistency
97
Risk-adjusted
51
Drawdown
60
Mean
60
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 97% of rolling 1-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 141 holdings · top 10 are 29.2%.
- Top 5
- 19.6%
- Top 10
- 29.2%
- Largest holding
- 6.0%
- Effective holdings
- 61.3
ICICI Bank Ltd
Financial
6.0%
Others CBLO
Unspecified
5.5%
Nestle India Ltd
Consumer Staples
3.1%
Bharti Airtel Ltd
Technology
2.5%
HDFC Bank Ltd
Financial
2.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Helios Large & Mid Cap Fund
Helios Mutual Fund
- 1Y
- +4.7%
- 3Y
- n/a
- Vol
- 16.1%
- Max DD
- -18.0%
- Sharpe
- 0.28
- 3Y win
- n/a
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Samco Large & Mid Cap Fund
Samco Mutual Fund
- 1Y
- -1.4%
- 3Y
- n/a
- Vol
- 11.7%
- Max DD
- -15.6%
- Sharpe
- -1.11
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Axis Large & Mid Cap Fund
Axis Mutual Fund
- 1Y
- +3.6%
- 3Y
- +15.3%
- Vol
- 14.6%
- Max DD
- -31.9%
- Sharpe
- 0.84
- 3Y win
- +50%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Canara Robeco Large and Mid Cap Fund
Canara Robeco Mutual Fund
- 1Y
- -1.8%
- 3Y
- +13.4%
- Vol
- 16.4%
- Max DD
- -36.2%
- Sharpe
- 0.79
- 3Y win
- +52%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Invesco India Large & Mid Cap Fund
Invesco Mutual Fund
- 1Y
- +6.5%
- 3Y
- +22.2%
- Vol
- 15.9%
- Max DD
- -35.3%
- Sharpe
- 0.76
- 3Y win
- +42%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown