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WhiteOak Capital Banking & Financial Services Fund - Direct Growth is an equity scheme managed by WhiteOak Capital Mutual Fund. The total expense ratio is 0.79% on assets of ₹592Cr. The fund is currently managed by Ms. Trupti Agarwal, appointed within the last year.
Lower is better.
This scheme classifies as Large-Value on the 3x3 equity style box, with 85% of its portfolio classified as of 2026-05-29.
| Holding | Sector |
|---|
| Window | Min | P25 | Median |
|---|
Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| Weight |
|---|
| ICICI BANK LIMITED | Financial Services | 12.40% |
| HDFC BANK LIMITED | Financial Services | 11.81% |
| STATE BANK OF INDIA | Financial Services | 4.61% |
| AXIS BANK LIMITED | Financial Services | 3.69% |
| Shriram Finance Limited | Financial Services | 3.17% |
| BAJAJ FINSERV LIMITED | Financial Services | 3.09% |
| PNB HOUSING FINANCE LTD | Financial Services | 2.66% |
| UJJIVAN SMALL FINANCE BANK LIMITED | Financial Services | 2.30% |
| FIVE-STAR BUSINESS FINANCE LIMITED | Financial Services | 2.28% |
| ADITYA BIRLA CAPITAL LIMITED | Financial Services | 2.06% |
| REPCO HOME FINANCE LTD. | Financial Services | 2.06% |
| CITY UNION BANK LIMITED | Financial Services | 2.05% |
| MAX FINANCIAL SERVICES LIMITED | Financial Services | 2.00% |
| PB FINTECH LIMITED | Financial Services | 1.68% |
| CANARA HSBC LIFE INSURANCE COMPANY LIMITED | Financial Services | 1.62% |
| POWER FINANCE CORPORATION LTD. | Financial Services | 1.59% |
| BSE LIMITED | Financial Services | 1.59% |
| MUTHOOT FINANCE LIMITED | Financial Services | 1.37% |
| AADHAR HOUSING FINANCE LIMITED | Financial Services | 1.32% |
| BAJAJ HOLDINGS AND INVESTMENT LTD. | Financial Services | 1.28% |
| SBI LIFE INSURANCE COMPANY LIMITED | Financial Services | 1.26% |
| THE FEDERAL BANK LIMITED | Financial Services | 1.03% |
| LIC HOUSING FINANCE LIMITED | Financial Services | 1.01% |
| MANAPPURAM FINANCE LIMITED | Financial Services | 0.80% |
| CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED | Financial Services | 0.79% |
| Sector | Holdings | Weight |
|---|---|---|
| Financial Services | 34 | 94.05% |
Active bets vs the average Equity fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -1.39% | 10.49% | 15.27% | 19.13% | 28.37% | 99.7% |
Top-10 weight 48.1% means concentration is in line with most actively-managed Indian equity funds. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Equity.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
What an investor SIPping into this fund actually got during named market shocks.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
Does the fund get worse as it gets bigger? Each dot is one historical manager-tenure: AUM at tenure-end vs alpha delivered during that tenure.
Correlation is too weak to confirm or rule out capacity-driven alpha decay. Re-evaluate as more manager-tenure data accumulates.
Each dot is one manager-tenure: X = AUM at tenure end, Y = alpha during that tenure. Connecting line in chronological order. Pearson r measures the linear relationship between AUM and alpha across the historical record. n = 5 data points.