WhiteOak Capital Large Cap Fund
Direct · GrowthAI Summary
WhiteOak Capital Large Cap Fund has delivered strong alpha over the NIFTY 50 across all periods, with a 3Y fund CAGR of 15.5% versus the benchmark's 7.75% and alpha of 7.79%. Its SIP XIRR of 14.01% over 3Y is broadly in line with the category average of 14.28%, while the 1Y XIRR of 13.77% slightly trails the category's 14.08%. Lump-sum rolling returns are healthy, with a 3Y rolling mean of 18.23%.
The fund shows disciplined risk behavior with a beta below 1 (0.9678 over 3Y) and downside capture consistently under 90%, meaning it falls less than the benchmark in weak markets. Calmar ratios of 1.24 (1Y) and 1.12 (3Y) indicate solid risk-adjusted returns, and the maximum drawdown was a modest -0.15% with recovery in 119 days. However, three drawdown events exceeding 10% have occurred, and the longest drawdown lasted 155 days.
Detailed holdings and sector allocation data were not provided for this fund, so concentration and diversification cannot be assessed from the available information. As a Large Cap Fund under SEBI norms, it must hold at least 80% in large-cap equities, which typically anchors the portfolio in established blue-chip companies. Investors should review the latest factsheet for specific top holdings and sector exposure.
The fund's SIP XIRR of 14.01% (3Y) sits marginally below the category average of 14.28%, and its 1Y XIRR of 13.77% trails the category's 14.08%, suggesting mid-pack SIP performance versus peers. However, its lump-sum CAGR outperformance versus the NIFTY 50 is consistent across 1Y through 15Y horizons, with positive alpha in every window. Calendar year returns show reasonable consistency, including a strong 24.91% in 2023 and 22.87% in 2024, though 2022 (-3.55%) and 2026 YTD (-1.17%) were negative.
This fund suits investors seeking large-cap core exposure with benchmark-beating potential and moderate volatility, given its sub-1 beta and strong downside capture. A minimum horizon of 5-7 years is advisable to ride out drawdowns like the three events exceeding 10% observed historically. It is appropriate for investors with moderate risk tolerance who prioritize capital preservation relative to the index while still capturing most upside.
- Consistent positive alpha versus NIFTY 50 across all periods, peaking at 7.79% over 3Y
- Superior downside capture (87-90%) with upside capture near 98-100%, indicating better loss protection than the benchmark
- Low expense ratio of 0.7% for a Direct plan, supporting net returns
- SIP XIRR slightly lags category averages (13.77% vs 14.08% over 1Y; 14.01% vs 14.28% over 3Y)
- Three drawdown events exceeding 10% and a longest drawdown duration of 155 days highlight meaningful interim volatility
Generated on 10-09-2026, 3:10 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 | ₹12.79 L | 18.1% | -19.1% | 53.5% |
| 3 Years | ₹36.00 L | ₹41.27 L | 11.8% | 4.2% | 19.2% |
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 | 18.1% | 14.4% | 14.1% | +3.6% |
| 3 Years | 11.8% | 11.1% | 14.3% | +0.7% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 18.9% | 14.0% | -3.1% | 46.7% | 0.85 | 5.52 | 96% | — | — |
| 3 Years | 17.1% | 17.4% | 14.1% | 20.5% | 5.47 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +5.71 | 0.93 | 95.3% | 87.2% | 3.5% | -2.9% |
| 3 Years | +7.79 | 0.97 | 99.8% | 89.9% | 15.5% | 7.8% |
| 5 Years | +4.71 | 0.96 | 97.8% | 88.8% | 10.0% | 5.3% |
| 7 Years | +3.23 | 0.96 | 97.8% | 88.8% | 7.1% | 3.7% |
| 10 Years | +2.14 | 0.96 | 97.8% | 88.8% | 4.9% | 2.6% |
| 12 Years | +1.72 | 0.96 | 97.8% | 88.8% | 4.1% | 2.2% |
| 15 Years | +1.31 | 0.96 | 97.8% | 88.8% | 3.2% | 1.7% |