WhiteOak Capital Pharma and Healthcare Fund
Direct · GrowthAI Summary
WhiteOak Capital Pharma and Healthcare Fund has delivered an overall 1Y SIP XIRR of 18.7%, well ahead of the category average SIP XIRR of 12.46% for the same period. Calendar year returns show strong outperformance in 2024 (38.41%) and 2026 (24.63%), though 2025 was a weak year at just 1.37%. The 1Y mean rolling return of 16.34% (lump-sum) indicates returns have held up reasonably well across entry points.
The fund's maximum drawdown over the measured window was a mild -0.15%, with a 57-day drawdown duration and 136-day recovery, reflecting unusually smooth recent performance for a sectoral fund. Only one significant drawdown event occurred, and the 1Y Calmar ratio of 1.17 suggests healthy risk-adjusted returns. However, sectoral funds are structurally volatile, and the full 136-day recovery lag shows upside gains took time to rebuild.
Detailed holdings data was not provided for this fund, so a granular assessment of top stocks and position sizes cannot be made. As a sectoral fund, it invests within the pharma and healthcare space, limiting diversification to a single theme regardless of individual allocations. Investors should review the latest factsheet to check concentration among top holdings before committing.
The fund's 1Y SIP XIRR of 18.7% clearly outpaces the category average of 12.46%, indicating strong recent positioning relative to peers. Category 3Y and 7Y averages sit at 17.51%, which the fund must sustain over longer periods to be judged consistently superior. Calendar-year dispersion between 38.41% (2024) and 1.37% (2025) is typical of sectoral funds and signals inconsistency across regimes.
This fund suits investors who want a tactical sector allocation and already hold a diversified core equity portfolio, given that sectoral funds carry elevated concentration risk. A horizon of 5-7 years or more is advisable to ride through pharma-sector cycles, as seen in the flat 2025 year. Moderate-to-high risk tolerance is essential because single-sector funds can lag or outperform sharply depending on the sector cycle.
- 1Y SIP XIRR of 18.7% significantly exceeds the category average of 12.46%
- Very low maximum drawdown of -0.15% and a Calmar ratio of 1.17 indicate strong risk-adjusted returns recently
- Low 0.67% expense ratio keeps costs competitive for investors
- High year-to-year dispersion, from 38.41% in 2024 to just 1.37% in 2025, reflects the volatility inherent in a single-sector strategy
- Only a 1Y return is reported for the fund itself, so long-term consistency versus category 3Y/5Y/7Y averages cannot be verified
Generated on 07-11-2026, 3:11 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 | ₹12.88 L | 18.4% | -4.7% | 54.9% |
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 | 18.4% | 12.6% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 18.0% | 18.5% | 0.6% | 35.5% | 1.36 | 11.93 | 100% | — | — |