WhiteOak Capital Large Cap Fund
Direct · GrowthAI Summary
WhiteOak Capital Large Cap Fund has delivered a 1Y SIP XIRR of 9.75% and a 3Y SIP XIRR of 10.26%, beating the category average SIP XIRR of 7.77% over 1Y but trailing the 3Y category average of 14.01%. On a lump-sum basis, the fund has consistently outperformed the NIFTY 50 across all periods, with a 3Y Fund CAGR of 12.24% versus the benchmark's 5.26% and positive alpha at every horizon from 1Y to 15Y. Calendar year returns show strong gains in 2023 (24.91%) and 2024 (22.87%), though 2026 has been negative at -6.75%.
The fund exhibits defensive characteristics with a beta below 1 (0.91-0.96) and downside capture of 86.88-89.78%, meaning it loses less than the benchmark in falling markets. The maximum drawdown is modest at -0.15% with a 155-day duration and 119-day recovery, though 3 drawdown events exceeding 10% indicate meaningful interim volatility. Calmar ratios of 1.166 (1Y) and 1.076 (3Y) reflect solid risk-adjusted returns relative to the drawdown experienced.
Detailed holdings and sector allocation data are not provided in this dataset, so specific top holdings and concentration levels cannot be assessed. As a Large Cap Fund under SEBI categorization, the mandate requires at least 80% exposure to the top 100 companies by market capitalization, which typically ensures diversified, blue-chip oriented portfolios. Investors should review the latest factsheet for actual stock and sector positioning.
The fund's 1Y SIP XIRR of 9.75% ranks favorably against the category average of 7.77%, but its 3Y SIP XIRR of 10.26% lags the category average of 14.01%, suggesting weaker relative SIP performance over the medium term. However, its consistent positive alpha versus the NIFTY 50 across 1Y to 15Y horizons (ranging from 6.94% at 3Y to 1.24% at 15Y) demonstrates durable benchmark outperformance. The combination of lower downside capture and near-par upside capture indicates a consistent, risk-aware approach relative to peers.
This fund suits investors seeking large cap exposure with below-market volatility and a preference for capital protection during downturns, given its downside capture under 90%. A time horizon of at least 5 years is appropriate to allow the fund's alpha generation to compound and to ride out interim drawdowns. It is best suited for moderate risk tolerance investors who prioritize steady benchmark-beating returns over aggressive outperformance in rising markets, as its upside capture of 97-99% means it may slightly lag in strong rallies.
- Consistent positive alpha versus NIFTY 50 across all measured horizons, from 3.96% at 1Y to 6.94% at 3Y
- Defensive profile with downside capture of 86.88-89.78% and beta below 1, limiting losses in weak markets
- 1Y SIP XIRR of 9.75% outpaces the category average of 7.77%, with a low expense ratio of 0.7% for the Direct plan
- 3Y SIP XIRR of 10.26% trails the category average of 14.01%, indicating weaker medium-term SIP performance versus peers
- Three drawdown events exceeding 10% and a 155-day maximum drawdown duration highlight meaningful interim volatility despite overall defensive characteristics
Generated on 23-10-2026, 2:54 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 | ₹12.74 L | 16.8% | -19.1% | 53.5% |
| 3 Years | ₹36.00 L | ₹40.92 L | 10.6% | 1.6% | 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 | 16.8% | 14.3% | 7.8% | +2.6% |
| 3 Years | 10.6% | 11.0% | 14.0% | -0.4% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 17.7% | 12.7% | -7.7% | 46.7% | 0.75 | 3.75 | 92% | — | — |
| 3 Years | 16.4% | 15.8% | 11.5% | 20.5% | 4.06 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +3.41 | 0.92 | 93.0% | 87.9% | -7.7% | -12.7% |
| 3 Years | +6.71 | 0.96 | 98.7% | 90.3% | 12.2% | 5.4% |
| 5 Years | +4.33 | 0.96 | 97.1% | 89.1% | 8.3% | 3.9% |
| 7 Years | +2.95 | 0.96 | 97.1% | 89.1% | 5.9% | 2.7% |
| 10 Years | +1.95 | 0.96 | 97.1% | 89.1% | 4.1% | 1.9% |
| 12 Years | +1.57 | 0.96 | 97.1% | 89.1% | 3.4% | 1.6% |
| 15 Years | +1.20 | 0.96 | 97.1% | 89.1% | 2.7% | 1.3% |