WhiteOak Capital Dividend Yield Fund

WhiteOak Capital Dividend Yield Fund has underperformed the NIFTY 50 on a point-to-point basis, with Alpha of -6.98% over 1Y and roughly -6% across 3Y to 15Y windows, though its Fund CAGR of -1.57% (1Y) to -0.11% (15Y) is modestly better than the benchmark's own low returns. SIP XIRR data for the fund is not available, so comparison to the category average SIP XIRR (9.82% over 1Y and up to 17.49% over 5Y) cannot be made on a like-for-like basis. The very low Beta of 0.1017 indicates the fund moves largely independently of the index, which limits meaningful return comparison to NIFTY 50.

Risk metrics show extremely low volatility inabsolute terms, with a maximum drawdown of only -0.035% and zero drawdown events exceeding 10%, though this is far milder than typical equity funds and may reflect the fund's low Beta of 0.10 rather than market-linked behaviour. Both Upside Capture (8.01%) and Downside Capture (15.78%) are very low, meaning the fund neither tracks market rallies nor market falls strongly. Persistent negative Alpha of -5.96% to -6.98% across all periods is the key risk-adjusted concern.

Portfolio composition data such as top holdings and sector allocation is not provided, so specific concentration and diversification remarks cannot be made. As a Dividend Yield subcategory fund, it would typically focus on high-dividend-paying stocks, which is consistent with its very low Beta of 0.1017. Investors should review the fund's holdings disclosures directly before acting.

The fund's XIRR is not available, so direct positioning against the Dividend Yield category average SIP XIRR of 9.82% (1Y) to 17.49% (5Y) is not possible on a like-for-like basis. Its consistently negative Alpha across every rolling period suggests persistent underperformance versus its benchmark irrespective of market direction. Within the dividend yield style, the fund's extremely low Beta distinguishes it, but the negative Alpha raises questions about stock selection effectiveness.

This fund may suit conservative investors seeking low-volatility exposure with a dividend-oriented mandate, given its negligible observed drawdowns and very low Beta of 0.1017. A long-term horizon of 5 years or more is advisable, given the absence of strong near-term return evidence. However, investors should verify the anomalous near-zero CAGR figures and the missing XIRR data with the AMC before committing, as the reported metrics suggest either a data quality issue or severe underperformance.

• Extremely low Beta of 0.1017 versus NIFTY 50, offering substantial independence from market swings
• Negligible drawdown risk with maximum drawdown of -0.035% and zero drawdown events exceeding 10%
• Point-to-point Fund CAGR modestly above NIFTY 50 in every period (e.g., -1.57% vs -4.17% over 1Y)

• Persistently negative Alpha of roughly -6% across all periods (1Y to 15Y) indicates consistent underperformance risk-adjusted
• Fund XIRR and rolling returns data are unavailable, preventing comparison to category average SIP XIRR of 9.82% to 17.49%
• Very low Upside Capture of 8.01% means the fund will not participate meaningfully in market rallies