WhiteOak Capital Banking & Financial Services Fund - Regular Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Generated +3.1% annualized alpha (excess return) over its benchmark.
- Downside capture of 122% indicates larger drops during broader market downturns.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +7.21% | +6.32% | +0.89% |
| 3 Months | +0.76% | -0.20% | +0.96% |
| 6 Months | +6.62% | +5.98% | +0.64% |
| 1 Year | +3.25% | +3.90% | -0.65% |
| Since Inception | +10.68% | - | - |
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +1.80% | +4.03% | -2.23% |
| 2025 | +14.08% | +1.43% | +12.65% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -8.20% | +10.16% | +10.38% | +26.20% | 91.5% | 95.6% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2026-02-18 | 2026-03-30 | -16.3% | 1 months | 4 months |
| 2024-09-26 | 2025-03-03 | -12.0% | 5 months | 2 months |
| 2026-08-03 | 2026-10-27 | -11.0% | 3 months | Not yet recovered |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity & Equity related Instruments of Banks & companies engaged in financial services sector | 80% - 100%; Equity & Equity related Instruments companies (including REITs) other than above: 0% - 20%;Money Market Instruments##, Other Liquid Instruments^, Gold and Silver ETFs and Units of Domestic Mutual Fund Schemes@: 0% - 20%; Units issued by InvITs: 0% - 10% ##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 permitted only in Overnight funds, Liquid funds and Money Market funds. As per Para 3.8.1.c of SEBI Master Circular on Mutual Funds dated March 20, 2026, the Scheme will invest residual portion in equity and equity related instruments, money market instruments and other liquid instruments, gold and silver instruments (ETFs) as permitted by SEBI and in InvITs, subject to the ceilings laid out in SEBI (Mutual Fund) Regulations, 2026 with respect to the respective asset class. |
Investment Objective & Strategy
The primary objective of the Scheme is to provide long-term capital appreciation by investing predominantly in equity and equity related instruments of banks & companies engaged in Financial Services Sector. There is no assurance that the investment objective of the Scheme will be achieved
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 683 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Sectoral / Thematic schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Sectoral / Thematic Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Quant Fund | 4.8 | - | 2.53% | 87.8% | Rs 1,950 cr | Compare → |
| Motilal Oswal Infrastructure Fund | 5.5 | - | - | 55.9% | Rs 156 cr | Compare → |
| Edelweiss Business Cycle Fund | 4.2 | - | 2.67% | 91.9% | Rs 1,388 cr | Compare → |
| Invesco India Technology Fund | 4.7 | - | 2.50% | 36.9% | Rs 348 cr | Compare → |
| quant Consumption Fund | 3.9 | - | 3.09% | 80.6% | Rs 181 cr | Compare → |
Frequently Asked Questions about WhiteOak Capital Banking & Financial Services Fund
What is the expense ratio of WhiteOak Capital Banking & Financial Services Fund?
WhiteOak Capital Banking & Financial Services Fund has a total expense ratio (TER) of 2.75% with a base expense ratio of 2.05%, compared to the Sectoral / Thematic category median of 2.52%.
Who manages WhiteOak Capital Banking & Financial Services Fund?
WhiteOak Capital Banking & Financial Services Fund is managed by Ramesh Mantri (tenure: 2.8 years since 2024-02-06).
What are the historical returns of WhiteOak Capital Banking & Financial Services Fund?
WhiteOak Capital Banking & Financial Services Fund has a 1-year return of +3.25%.
How large is WhiteOak Capital Banking & Financial Services Fund?
WhiteOak Capital Banking & Financial Services Fund manages assets of Rs 683 cr, placing it in the 'comfortable' size band relative to Sectoral / Thematic peers.
How is WhiteOak Capital Banking & Financial Services Fund scored on MFIQ?
WhiteOak Capital Banking & Financial Services Fund holds an MFIQ Score of 3.6/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is WhiteOak Capital Banking & Financial Services Fund?
WhiteOak Capital Banking & Financial Services Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 18.06% with a maximum historical drawdown of -16.33%.