WhiteOak Capital Liquid Fund
WhiteOak Capital Mutual Fund · Liquid · Regular plan, growth option
NAV (₹), 2 Oct 2026
1,514.2095
1-day change
0.04%
1Y return
6.3%
3Y CAGR
6.8%
5Y CAGR
6.1%
Max drawdown, 5Y
−0.1%
NAV history month-end NAV, ₹ · 17 Jan 2019 to 1 Oct 2026
Returns vs Liquid median (73 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.5% | 0.5% |
| 3 months | 1.5% | 1.5% |
| 6 months | 3.3% | 3.3% |
| Year to date | 4.8% | 4.8% |
| 1 year | 6.3% | 6.3% |
| 3 years (CAGR) | 6.8% | 6.8% |
| 5 years (CAGR) | 6.1% | 6.2% |
| 7 years (CAGR) | 5.4% | 5.5% |
| 10 years (CAGR) | n/a | 6.0% |
| Since first NAV (CAGR) | 5.5% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 6.1% | 6.7% |
| 3Y rolling median | 5.4% | 6.6% |
| 3Y rolling worst | 3.6% | 3.9% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 5.2% | 6.2% |
| 5Y rolling worst | 4.9% | 5.1% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 0.4% | 0.4% |
| Sharpe ratio | 0.15 | 0.22 |
| Sortino ratio | 0.18 | 0.24 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −0.1% | −0.2% |
| Maximum drawdown, last 10Y | n/a | −0.2% |
| Maximum drawdown, last 5Y | −0.1% | 0.0% |
| Current drawdown | 0.0% | 0.0% |
| Recovery time of worst fall | n/a | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 0.23% | 0.25% |
| AUM, whole scheme (₹ crore) | 727 | 4,811 |
| Riskometer | Low to Moderate | – |
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) | 6.3% | 6.2% TRI |
| Return, 3 years (AMFI) | 6.7% | 6.8% TRI |
| Return, 5 years (AMFI) | 6.1% | 6.3% TRI |
| Month-ends above category median (3Y CAGR) | 0% | 51% median |
| Month-ends in category top quartile (3Y) | 0% | 0% median |
Official benchmark: CRISIL Liquid Debt A-I Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Liquid Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 4.8% | n/a | – |
| 2025 | 6.4% | n/a | – |
| 2024 | 7.3% | n/a | – |
| 2023 | 6.9% | n/a | – |
| 2022 | 4.4% | n/a | – |
| 2021 | 2.9% | n/a | – |
| 2020 | 3.6% | n/a | – |
No free benchmark proxy for this category. 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 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,162 | 6.5% |
| 3 years | ₹3,60,000 | ₹3,97,494 | 6.5% |
| 5 years | ₹6,00,000 | ₹7,07,812 | 6.5% |
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: Liquid
Plan / option: Regular · Growth
AMFI scheme code: 145968
ISIN: INF03VN01126
First NAV in MFIC data: 17 Jan 2019
History: 7.7 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Edelweiss Liquid Fund | Liquid | 0.99 | 6.9% |
| Edelweiss Liquid Fund | Liquid | 0.99 | 6.9% |
| Edelweiss Liquid Fund | Liquid | 0.99 | 6.9% |
| Invesco India Liquid Fund | Liquid | 0.99 | 6.3% |
| DSP Liquid Fund | Liquid | 0.99 | 6.9% |
| LIC MF Liquid Fund | Liquid | 0.99 | 6.8% |
Questions about WhiteOak Capital Liquid Fund
- What is the latest NAV of WhiteOak Capital Liquid Fund?
- The NAV of the Regular plan (growth option) was ₹1,514.2095 on 2 Oct 2026, as published by AMFI.
- Which category is WhiteOak Capital Liquid Fund in?
- It is classified as Liquid in AMFI's daily NAV file; a Liquid scheme invests in securities maturing in up to 91 days. MFIC compares it with 73 Liquid schemes (Regular plans).
- What returns has WhiteOak Capital Liquid Fund delivered?
- Over one year the NAV changed by 6.3%. The 3-year CAGR is 6.8% (category median 6.8%) and the 5-year CAGR is 6.1% (category median 6.2%). 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 5.4%, the lowest was 3.6%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in WhiteOak Capital Liquid Fund's NAV?
- The largest peak-to-trough fall in its available history was 0.1%; within the last five years it was 0.1% (category median 0.0%).
- How volatile is WhiteOak Capital Liquid Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 0.4%, which is above the Liquid category median of 0.4%.
- What would a monthly SIP in WhiteOak Capital Liquid Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,07,812 on 2 Oct 2026, an annualised return (XIRR) of 6.5%. This uses the Regular 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 Liquid Fund?
- The total expense ratio of the Regular plan is 0.23% a year, as disclosed to AMFI (median of Liquid Regular plans: 0.25%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is WhiteOak Capital Liquid Fund?
- Assets under management of the whole scheme were ₹727 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of WhiteOak Capital Liquid Fund?
- AMFI lists the scheme's riskometer as “Low to Moderate”, and its benchmark's as “Low to Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of WhiteOak Capital Liquid Fund and how has it compared?
- Its official benchmark is the CRISIL Liquid Debt A-I Index. Over 3 years AMFI reports a return of 6.7% for this plan against 6.8% for the benchmark total return index; over 5 years 6.1% against 6.3%. Past performance does not indicate future results.
- How often has WhiteOak Capital Liquid Fund beaten its category?
- At 0% of the 57 month-ends compared over the last 10 years, its 3-year return was above the median of Liquid schemes (Regular plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- 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 6.4% and the Regular plan's by 6.3%. 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 2 Oct 2026. Category medians use Regular 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.