WhiteOak Capital Banking and Financial Services Fund
Direct · GrowthAI Summary
WhiteOak Capital Banking and Financial Services Fund has delivered a 1Y SIP XIRR of 14.48%, marginally ahead of the category average of 14.1%. Over longer horizons, the fund's lump-sum CAGR has consistently beaten the NIFTY 50, with positive alpha across all periods — 7.80% over 3Y and 4.75% over 5Y. However, the fund's lump-sum CAGR of 11.19% over 3Y and 6.57% over 5Y remains below the category's average SIP XIRR of 16.82% and 16.95% respectively, indicating room for improvement versus sector peers.
The fund shows a Beta of 1.08-1.17 versus the NIFTY 50, meaning it is moderately more volatile than the broad market. Its downside capture of 95.23% over 3Y and beyond suggests it has historically fallen slightly less than the benchmark in down markets, while upside capture of 107.13% indicates stronger participation in rallies. The maximum drawdown of -0.16% with a 98-day recovery reflects a relatively contained recent drawdown profile, though 2 drawdown events exceeding 10% highlight that meaningful corrections have occurred.
As a sectoral fund, the portfolio is concentrated in banking and financial services stocks, which limits diversification by design. No individual holdings data is provided, so stock-specific concentration cannot be assessed here. Investors should expect the fund's fortunes to be closely tied to the financials sector cycle, interest rate environment, and credit conditions.
The fund's 1Y SIP XIRR of 14.48% slightly outpaces the category average of 14.1%, but longer-horizon category averages of 16.25%-16.95% suggest peers have delivered stronger SIP returns over 3Y-12Y periods. Positive alpha across every measured window (1Y to 15Y) demonstrates consistent benchmark outperformance. Calendar year returns of 15.73% in 2024 and 15.39% in 2025 indicate steady recent performance.
This fund is suitable for investors with high risk tolerance who understand sector concentration risk and want tactical exposure to India's banking and financial services theme. A time horizon of at least 5-7 years is advisable given sector cyclicality, and it should be used as a satellite allocation rather than a core holding. Investors should be comfortable with drawdowns exceeding 10% that have occurred historically in this sector.
- Consistent positive alpha versus NIFTY 50 across all time horizons, from 10.11% over 1Y to 1.87% over 15Y
- Favorable capture profile with 107.13% upside capture and 95.23% downside capture over 3Y and beyond
- 1Y SIP XIRR of 14.48% exceeds the category average of 14.1%, with a competitive expense ratio of 0.72% for a sector fund
- Longer-term SIP returns trail the category, with 3Y and 5Y category average XIRR of 16.82% and 16.95% versus the fund's lump-sum CAGR of 11.19% and 6.57%
- Sector concentration in banking and financial services creates cyclical risk, evidenced by 2 drawdown events exceeding 10% and a 98-day recovery from the maximum drawdown
Generated on 10-09-2026, 2:57 AM. Verify before investing.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.77 L | 11.7% | -20.8% | 28.6% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 11.7% | 14.4% | 14.1% | -2.7% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 13.6% | 14.1% | -2.3% | 28.4% | 1.05 | 4.56 | 98% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +10.11 | 1.17 | 115.6% | 103.5% | 5.6% | -2.9% |
| 3 Years | +7.80 | 1.08 | 107.1% | 95.2% | 11.2% | 3.6% |
| 5 Years | +4.75 | 1.08 | 107.1% | 95.2% | 6.6% | 2.1% |
| 7 Years | +3.50 | 1.08 | 107.1% | 95.2% | 4.7% | 1.5% |
| 10 Years | +2.57 | 1.08 | 107.1% | 95.2% | 3.2% | 1.1% |
| 12 Years | +2.23 | 1.08 | 107.1% | 95.2% | 2.7% | 0.9% |
| 15 Years | +1.87 | 1.08 | 107.1% | 95.2% | 2.1% | 0.7% |