WhiteOak Capital ELSS Tax Saver Fund
WhiteOak Capital Mutual Fund · ELSS · Direct plan, growth option
NAV (₹), 1 Oct 2026
18.4150
1-day change
-0.72%
1Y return
1.4%
3Y CAGR
15.0%
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 17 Oct 2022 to 1 Oct 2026
Returns vs ELSS median (38 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -5.8% | -5.7% |
| 3 months | -1.2% | -4.0% |
| 6 months | 12.2% | 6.4% |
| Year to date | -1.7% | -5.1% |
| 1 year | 1.4% | -2.4% |
| 3 years (CAGR) | 15.0% | 10.0% |
| 5 years (CAGR) | n/a | 10.2% |
| 7 years (CAGR) | n/a | 15.0% |
| 10 years (CAGR) | n/a | 13.0% |
| Since first NAV (CAGR) | 16.5% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 15.6% | 12.2% |
| 3Y rolling median | 20.3% | 16.0% |
| 3Y rolling worst | 15.0% | -3.4% |
| 3Y periods positive | 100% | 99% |
| 3Y periods ahead of benchmark | 100% | 82% |
| 5Y rolling median | n/a | 15.7% |
| 5Y rolling worst | n/a | 1.5% |
| 5Y periods ahead of benchmark | n/a | 100% |
Benchmark: Nifty 500 (proxy: Motilal Oswal Nifty 500 Index Fund, price return).
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 15.4% | 15.4% |
| Sharpe ratio | 0.58 | 0.30 |
| Sortino ratio | 0.89 | 0.43 |
| Beta | 0.95 | 0.95 |
| Alpha (ann.) | 5.7% | 1.3% |
| Upside capture | 116.76 | 97.67 |
| Downside capture | 92.22 | 96.32 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −16.4% | −35.8% |
| Maximum drawdown, last 10Y | n/a | −36.8% |
| Maximum drawdown, last 5Y | n/a | −18.4% |
| Current drawdown | −6.4% | −8.2% |
| Recovery time of worst fall | 119 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme invests mainly in the market below, which is also close to how many of them are benchmarked. Where that market stands today:
21,857.75 −0.97%
NSE close, 1 Oct 2026
- P/E 21.6: higher than 5% of days since 2022 (median 23.7)
- 1Y −3.9% · 3Y +8.9% p.a. · 5Y +8.6% p.a. (index fund NAV, after costs)
- −9.3% from its 52-week high
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.58% a year and the Direct plan's 0.86%, a gap of 1.72%; over the last 3 years the Direct plan returned 1.89 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹38,34,630.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 1 Oct 2026: TER reduced from 0.87% to 0.86% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Ramesh Mantri | Comanage/Equity | 14 Oct 2022 |
| Piyush Baranwal | Comanage/Debt | 14 Oct 2022 |
| Trupti Agrawal | Assistant Fund Manager - Equity | 14 Oct 2022 |
| Dheeresh Pathak | Assistant Fund Manager - Equity | 1 Apr 2024 |
| Ashish Agrawal | Fund Manager - Arbitrage Transactions | 6 Jan 2025 |
Objective: To generate capital appreciation / income from a portfolio, comprising predominantly of equity & equity related instruments. There is no assurance that the investment objective of the Scheme will be achieved.
Stated asset allocation: Equity and Equity Related Instruments: 80% - 100% Money Market Instruments#, Other Liquid Instruments^, and units of Domestic Mutual Fund Schemes@: 0% - 20% #Money market instruments include commercial papers, commercial bills, treasury bills, Government securities having an unexpired maturity up to one year, call or notice money, certificate of deposit, usance bills, and any other like instruments as specified by the Reserve Bank of India. ^Other liquid instruments shall include cash, bank deposits with Scheduled Commercial Banks, Government Securities, Treasury bills, Repo on Government securities and any other instruments as specified by SEBI. @Units of domestic mutual fund schemes are p…
Benchmark (tier 1): BSE 500 TRI
Minimum application: Rs.500
Allotment date: 14 Oct 2022
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.86% | 1.10% |
| AUM, whole scheme (₹ crore) | 481 | 2,608 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 3.1% | -2.3% TRI |
| Return, 3 years (AMFI) | 15.2% | 9.2% TRI |
| Month-ends above category median (3Y CAGR) | 100% | 48% median |
| Month-ends in category top quartile (3Y) | 100% | 24% median |
Official benchmark: BSE 500 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, ELSS Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Nifty 500 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -1.7% | -7.8% | +6.1% |
| 2025 | 4.9% | 7.7% | −2.7% |
| 2024 | 30.3% | 15.6% | +14.7% |
| 2023 | 34.6% | 26.5% | +8.0% |
Benchmark proxy: Motilal Oswal Nifty 500 Index Fund (Direct plan NAV, price return), which carries its own costs. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,695 | 1.1% |
| 3 years | ₹3,60,000 | ₹4,01,558 | 7.2% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: ELSS
Plan / option: Direct · Growth
AMFI scheme code: 150587
ISIN: INF03VN01621
First NAV in MFIC data: 17 Oct 2022
History: 4.0 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| WhiteOak Capital Flexi Cap Fund | Flexi Cap | 1.00 | 13.4% |
| WhiteOak Capital Multi Cap Fund | Multi Cap | 0.99 | 17.2% |
| WhiteOak Capital Special Opportunities Fund | Sectoral/Thematic | 0.98 | n/a |
| WhiteOak Capital Large & Mid Cap Fund | Large & Mid Cap | 0.98 | n/a |
| Invesco India ELSS Tax Saver Fund | ELSS | 0.98 | 11.3% |
| Canara Robeco Multi Cap Fund | Multi Cap | 0.98 | 12.9% |
Questions about WhiteOak Capital ELSS Tax Saver Fund
- What is the latest NAV of WhiteOak Capital ELSS Tax Saver Fund?
- The NAV of the Direct plan (growth option) was ₹18.4150 on 1 Oct 2026, as published by AMFI.
- Which category is WhiteOak Capital ELSS Tax Saver Fund in?
- It is classified as ELSS in AMFI's daily NAV file; a ELSS scheme is an equity-linked savings scheme with a three-year lock-in. MFIC compares it with 38 ELSS schemes (Direct plans).
- What returns has WhiteOak Capital ELSS Tax Saver Fund delivered?
- Over one year the NAV changed by 1.4%. The 3-year CAGR is 15.0% (category median 10.0%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 20.3%, the lowest was 15.0%, and 100% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 100% of those periods.
- What was the largest fall in WhiteOak Capital ELSS Tax Saver Fund's NAV?
- The largest peak-to-trough fall in its available history was 16.4%.
- How volatile is WhiteOak Capital ELSS Tax Saver Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 15.4%, which is equal to the ELSS category median of 15.4%.
- What would a monthly SIP in WhiteOak Capital ELSS Tax Saver Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹4,01,558 on 1 Oct 2026, an annualised return (XIRR) of 7.2%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of WhiteOak Capital ELSS Tax Saver Fund?
- The total expense ratio of the Direct plan is 0.86% a year, as disclosed to AMFI (median of ELSS Direct plans: 1.10%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is WhiteOak Capital ELSS Tax Saver Fund?
- Assets under management of the whole scheme were ₹481 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of WhiteOak Capital ELSS Tax Saver Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of WhiteOak Capital ELSS Tax Saver Fund and how has it compared?
- Its official benchmark is the BSE 500 TRI. Over 3 years AMFI reports a return of 15.2% for this plan against 9.2% for the benchmark total return index. Past performance does not indicate future results.
- How often has WhiteOak Capital ELSS Tax Saver Fund beaten its category?
- At 100% of the 12 month-ends compared over the last 10 years, its 3-year return was above the median of ELSS schemes (Direct plans); it was in the top quarter at 100% of them. A typical scheme would show about 50%.
- Who manages WhiteOak Capital ELSS Tax Saver Fund?
- According to its Scheme Summary Document, WhiteOak Capital ELSS Tax Saver Fund is managed by Ramesh Mantri (since 14 Oct 2022), Piyush Baranwal (since 14 Oct 2022), Trupti Agrawal (since 14 Oct 2022), Dheeresh Pathak (since 1 Apr 2024), Ashish Agrawal (since 6 Jan 2025).
- What is the minimum investment in WhiteOak Capital ELSS Tax Saver Fund?
- The minimum application amount is Rs.500. SIP details: SIP - Daily/Weekly/Fortnightly/Monthly - Rs.500, Quarterly - Rs. 1500; SWP - Rs.500; STP - Daily/Weekly- Rs. 500, Monthly-Rs.1000, Quarterly- Rs.1500.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 1.4% and the Regular plan's by -0.3%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.