WhiteOak Capital ELSS Tax Saver Fund
Direct · GrowthAI Summary
WhiteOak Capital ELSS Tax Saver Fund delivered a 1Y SIP XIRR of 12.73% and a 3Y SIP XIRR of 13.59%. The 1Y XIRR of 12.73% comfortably beats the category average of 9.64%, though the 3Y XIRR of 13.59% trails the category average of 14.6%. Lump-sum rolling returns have been strong, with the 3Y rolling mean at 19.9% versus a 1Y rolling mean of 13.02%.
The fund shows a modest maximum drawdown of -0.16% with a 79-day drawdown duration and 119-day recovery, alongside 3 drawdown events exceeding 10%. Calmar ratios of 1.29 (1Y) and 1.22 (3Y) indicate reasonable risk-adjusted returns relative to drawdown depth. Calendar year returns have been uneven, ranging from -1.6% in 2026 to 33.97% in 2023, suggesting meaningful year-to-year dispersion.
Detailed holdings and sector allocation data were not provided for this fund, so portfolio concentration cannot be assessed from the available information. As an ELSS fund, it must maintain at least 80% in equities, which shapes its overall composition. Investors should review the latest factsheet for top holdings and sector exposure before investing.
The fund outperforms the category on 1Y SIP XIRR (12.73% vs 9.64%) but lags on 3Y SIP XIRR (13.59% vs 14.6%), indicating mixed relative performance across horizons. Its expense ratio of 0.64% is competitive for the ELSS category and supports net returns. The strong 2023-2024 calendar returns (33.97% and 30.21%) contrast with weaker 2022 and 2025, showing inconsistent but generally positive yearly outcomes.
This fund suits investors seeking tax deduction benefits under Section 80C who can commit to the mandatory 3-year lock-in and ideally a longer 5-7 year horizon. It is appropriate for those with moderate risk tolerance, given the drawdown history and uneven calendar year returns. Investors prioritizing consistent category-beating performance across all horizons may want to weigh the 3Y XIRR shortfall against the category average.
- 1Y SIP XIRR of 12.73% significantly outperforms the category average of 9.64%
- Low expense ratio of 0.64% (Direct plan) enhances net investor returns
- Strong 3Y rolling return mean of 19.9% and healthy Calmar ratios above 1.2 indicate solid risk-adjusted performance
- 3Y SIP XIRR of 13.59% trails the category average of 14.6%
- Uneven calendar year returns, including -1.6% in 2026 and 1.17% in 2022, indicate inconsistency
Generated on 14-10-2026, 4:08 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 | ₹12.83 L | 21.0% | -22.9% | 56.6% |
| 3 Years | ₹36.00 L | ₹42.91 L | 13.9% | 4.1% | 23.0% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | Category avg |
|---|---|---|
| 1 Year | 21.0% | 9.6% |
| 3 Years | 13.9% | 14.6% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 21.0% | 15.1% | -3.1% | 50.5% | 0.86 | 6.58 | 97% | — | — |
| 3 Years | 19.9% | 20.1% | 14.5% | 23.9% | 5.62 | — | 100% | — | — |