WhiteOak Capital Flexi Cap Fund
Direct · GrowthAI Summary
WhiteOak Capital Flexi Cap Fund has delivered strong alpha over NIFTY 50 across all periods, with a 3Y lump-sum CAGR of 13.14% versus the benchmark's 4.15% and a 3Y alpha of 8.87%. Its SIP XIRR of 13.83% over 3Y trails the category average of 14.85%, though the 1Y XIRR of 12.59% beats the category's 9.63%. Calendar year returns show strong outperformance years (2023: 32.67%, 2024: 25.32%) alongside weaker recent years (2025: 5.24%, 2026: -1.98%).
The fund exhibits a defensive risk profile with a beta of 0.92-0.95 and consistently low downside capture (81.5-84.99%) versus upside capture of 94-97%, meaning it loses less in market declines. The maximum drawdown of just -0.16% with a 74-day duration and 118-day recovery indicates shallow, quickly recovered losses, though 3 drawdown events exceeding 10% have occurred. Calmar ratios of 1.26 (1Y) and 1.22 (3Y) reflect solid risk-adjusted returns.
Portfolio composition data was not provided for this fund, so specific holdings, sector allocations, and concentration levels cannot be assessed. As a flexi cap fund, it has the mandate to invest across market capitalizations, which typically supports diversification. Investors should review the latest factsheet for current holdings before investing.
The fund's 1Y SIP XIRR of 12.59% comfortably beats the category average of 9.63%, but its 3Y XIRR of 13.83% lags the category's 14.85%. Long-term category averages for 5Y-12Y (15.19%-16.12%) suggest established peers have delivered stronger SIP outcomes over longer horizons. The fund's consistent alpha over NIFTY 50 across 1Y through 15Y windows indicates genuine stock-selection skill rather than a single lucky period.
This fund suits investors seeking market-linked growth with below-market downside risk, given its low downside capture and strong alpha record. A time horizon of at least 5-7 years is appropriate, as longer-horizon category SIP averages indicate the fund may need more time to demonstrate peer-leading compounding. It is suitable for moderate-risk investors who can tolerate interim drawdowns but value capital preservation during corrections.
- Consistent positive alpha over NIFTY 50 across all periods, from 2.67% (12Y) to 9.90% (1Y)
- Low downside capture of 81.5-84.99% versus upside capture of 94-97%, offering superior downside protection
- Shallow maximum drawdown of -0.16% with recovery in 118 days, indicating strong loss control
- 3Y SIP XIRR of 13.83% trails the category average of 14.85%, and no long-horizon XIRR data is available to confirm peer competitiveness
- Recent calendar year returns have weakened, with 2025 at 5.24% and 2026 at -1.98% after strong 2023-2024 performance
Generated on 14-10-2026, 4:10 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 | ₹12.87 L | 20.0% | -21.0% | 52.4% |
| 3 Years | ₹36.00 L | ₹43.48 L | 14.2% | 3.9% | 23.2% |
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 | 20.0% | 14.3% | 9.6% | +5.8% |
| 3 Years | 14.2% | 11.0% | 14.8% | +3.1% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 19.6% | 15.1% | -1.8% | 49.3% | 0.89 | 6.96 | 98% | — | — |
| 3 Years | 18.9% | 19.9% | 13.0% | 22.5% | 5.27 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +7.88 | 0.91 | 92.0% | 81.4% | -1.9% | -11.4% |
| 3 Years | +7.89 | 0.94 | 95.7% | 85.2% | 13.2% | 5.3% |
| 5 Years | +7.04 | 0.92 | 93.7% | 81.7% | 12.8% | 5.7% |
| 7 Years | +4.74 | 0.92 | 93.7% | 81.7% | 9.0% | 4.0% |
| 10 Years | +3.09 | 0.92 | 93.7% | 81.7% | 6.2% | 2.8% |
| 12 Years | +2.48 | 0.92 | 93.7% | 81.7% | 5.1% | 2.3% |
| 15 Years | +1.86 | 0.92 | 93.7% | 81.7% | 4.1% | 1.9% |