Sharpe ratio
0.45Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.56%1Y Absolute Return
-0.44%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| WhiteOak Capital Banking & Financial Services Fund - Direct GrowthFund 1Y annualised return · 5Y history unavailable | ₹8,37,360 | ₹7,32,612 | ₹1,04,748 | +5.56% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.13
₹1 Lakh since launch₹1.13 Lakh
Fund age2.8 yrs
Fund information
Scheme code152321
ISININF03VN01860
BenchmarkNIFTY Financial Services TRI
CategoryEquity Scheme - Sectoral/ Thematic
Expense ratio1.07%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
336th / 932 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +165.14% | — | — |
| 3M | +11.28% | — | — |
| 6M | +21.52% | — | — |
| 1Y | +5.56% | — | +4.16% |
| Since Launch | +12.99% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.64Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
18.09%How much the fund’s returns fluctuate over time.
High volatility
Returns can swing significantly.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.80How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Allocation data has not been disclosed.
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 68 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 12.7665% |
| HDFC Bank Ltd | Financial | Equity | 10.598% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 6.1334% |
| Others CBLO | Unspecified | CBLO | 4.7347% |
| Bajaj Finance Ltd | Financial | Equity | 3.6087% |
| Bajaj Finserv Ltd | Financial | Equity | 3.2473% |
| Axis Bank Ltd | Financial | Equity | 3.1194% |
| Five-Star Business Finance Ltd | Financial | Equity | 2.8117% |
| State Bank of India | Financial | Equity | 2.7671% |
| IIFL Finance Ltd | Financial | Equity | 2.4719% |
Fund management
RA
Ramesh Mantri
Since 2024 · Prior to joining WhiteOak Capital Mutual Fund, he has worked with WhiteOak Capital Management, Ashoka Capital Advisers, Smith Management, and CRISIL.
Mr. Mantri is an MBA, CFA and CA
DH
Dheeresh Pathak
Since 2024 · Prior to joining WhiteOak Capital Mutual Fund, he has worked with Goldman Sachs
Mr. Pathak has done B.E in Electronics Engineering and a PGDBM from MDI Gurgaon
AS
Ashish Agrawal
Since 2025 · Prior to joining Whiteoak Capital AMC, he was working with Motilal Owal Asset Management Co. Ltd from 2016 till date. Citigroup Global Markets Ltd from 2010 to 2016
PGDBM in Finance from Institute of Management Technology, Ghaziabad and Bachelor of Commerce from University of Lucknow
PI
Piyush Baranwal
Since 2024 · Prior to joining WhiteOak Capital Mutual Fund he has worked with BOI AXA, Morgan Stanley Investment Management (Jan, 2011-June, 2014) and Principal Pnb AMC as a Dealer- Fixed Income (May, 2008-Jan, 2011).
Mr.Piyush Baranwal is a B. Tech. in Electronics and communication from Manipal Institute of Technology,Manipal.He completed PGDBM in Finance from S.P.Jain Institute of Management and Reserch and CFA.
TR
Trupti Agrawal
Since 2024 · Prior to joining WhiteOak Capital Mutual Fund, she has worked with L&T Infrastructure Finance Co. Ltd. and Ernst & Young.
Ms. Agrawal has done B.Com and CA.
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Summary
A very high-risk equity scheme - sectoral/ thematic fund. Losses and swings stayed contained — worst fall -16.2%, volatility 18.1%. Financial makes up 96% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -16.2%, volatility 18.1%.
- Recovered from its worst fall in 3 months.
Weaknesses
- None
Ideal investor
- Needs a 5–7+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 18.1% volatility.
Risk drivers
- Financial makes up 96% — trouble in that sector hits the whole fund.