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WhiteOak Capital Balanced Hybrid Fund Direct-Growth

Hybrid: Balanced Hybrid - Growth (Open ended)

WhiteOak Capital Balanced Hybrid Fund Direct-GrowthNAV: 13.97 as on 06 Sep, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Very HighCategory: Hybrid: Balanced HybridBenchmark: CRISIL Hybrid 50+50 Moderate IndexCheck Portfolio Overlap →

NAV: ₹13.97-0.14%

07 Sept 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for WhiteOak Capital Balanced Hybrid Fund Direct-Growth.

Asset Allocation

As on 31 Jul 2026

Equity

52.72%

Debt

41.35%

Real estate

3.75%

Others

2.18%

Market Cap Distribution

Large Cap (67.9%)

Mid Cap (11.9%)

Small Cap (20.2%)

Historical Asset Allocation

Asset	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026
Equity	52.72%	51.26%	52.10%	51.44%	49.65%	52.68%
Debt	41.35%	44.06%	45.02%	44.43%	46.15%	45.10%
Others (incl. cash)	2.18%	0.95%	-0.81%	0.51%	0.86%	-0.50%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	3.75%	3.72%	3.70%	3.62%	3.34%	2.73%

Portfolio Snapshot

No. of Securities

144

P/E Ratio

25.90

P/B Ratio

3.67

Top Holding %

5.61%

Top 5 Holdings %

20.16%

Top 10 Holdings %

31.41%

Modified Duration

2.68 yrs

Avg. Maturity

3.37 yrs

Yield to Maturity

7.28%

AUM

₹295 Cr

Expense Ratio

0.71%

Since Inception

12.37%

Max Drawdown

-0.08%

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
ICICI Bank Ltd.	Financial	1,15,421	16.57	5.61%	0.36%↑
HDFC Bank Ltd.	Financial	1,31,133	9.81	3.32%	-0.65%↓
Bharti Airtel Ltd.	Communication	39,340	7.76	2.63%	0.15%↑
Nestle India Ltd.	Consumer Staples	39,692	5.99	2.03%	0.22%↑
Mahindra & Mahindra Ltd.	Automobile	15,534	5.28	1.79%	0.17%↑
Eternal Ltd.	Services	1,52,419	4.61	1.56%	0.15%↑
Reliance Industries Ltd.	Energy	33,289	4.35	1.47%	0.01%↑
State Bank of India	Financial	40,993	4.21	1.43%	0.39%↑
Kotak Mahindra Bank Ltd.	Financial	98,150	3.83	1.30%	-0.01%↓
Titan Company Ltd.	Consumer Discretionary	7,508	3.66	1.24%	0.17%↑
Maruti Suzuki India Ltd.	Automobile	2,392	3.4	1.15%	0.01%↑
Torrent Pharmaceuticals Ltd.	Healthcare	6,538	3.35	1.13%	0.79%↑
Bharat Electronics Ltd.	Capital Goods	74,499	2.89	0.98%	-0.36%↓
Coforge Ltd.	Technology	15,756	2.71	0.92%	0.13%↑
Persistent Systems Ltd.	Technology	3,480	1.93	0.65%	0.14%↑
Hindalco Industries Ltd.	Metals & Mining	18,748	1.83	0.62%	0.01%↑
Larsen & Toubro Ltd.	Construction	4,623	1.82	0.62%	-0.03%↓
Infosys Ltd.	Technology	14,942	1.69	0.57%	0.06%↑
Bajaj Finance Ltd.	Financial	14,690	1.68	0.57%	0.13%↑
NTPC Ltd.	Energy	45,783	1.59	0.54%	-0.02%↓

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Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.

Sector	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026
Financial	17.60%	17.42%	16.81%	16.72%	15.83%	17.70%
Services	4.33%	4.01%	3.94%	4.17%	4.38%	4.43%
Healthcare	4.17%	4.17%	4.00%	3.53%	3.47%	3.44%
Automobile	3.99%	3.91%	4.01%	3.83%	4.06%	4.49%
Technology	3.50%	3.02%	3.43%	3.35%	3.75%	3.81%
Energy	3.25%	2.75%	3.20%	3.32%	3.29%	3.18%
Consumer Staples	3.10%	2.61%	2.58%	2.98%	2.24%	2.44%
Communication	2.94%	2.86%	3.09%	2.96%	2.48%	2.32%
Capital Goods	2.92%	3.79%	4.00%	3.94%	3.49%	3.68%
Metals & Mining	2.08%	2.09%	2.37%	2.13%	2.11%	2.11%
Consumer Discretionary	1.82%	1.70%	1.67%	1.34%	1.31%	1.39%
Chemicals	1.14%	0.74%	0.68%	0.67%	0.52%	0.53%
Construction	0.90%	1.09%	1.10%	1.09%	1.02%	1.15%
Materials	0.54%	0.72%	0.78%	0.98%	0.93%	1.08%
Insurance	0.16%	0.15%	0.17%	0.17%	0.44%	0.48%
Textiles	0.01%	-	-	-	-	-

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
AAA	20.90%	14.47%
SOV	8.72%	7.18%
AA+	8.11%	1.85%
Cash & Call Money	3.11%	9.76%
A1+	2.69%	0.86%
AA	-	1.83%
AA-	-	0.04%
B+	-	0.01%
Cash	-	-0.01%
Others	-	0.00%
Term Deposits	-	0.15%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

47.6 / 100

Weighted average Value score is 47.6. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

54.9 / 100

Weighted average Price Momentum score is 54.9. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

72.4 / 100

Weighted average Quality score is 72.4. This indicates that portfolio has average quality using composite of quality measures.

QVM score

65.2 / 100

Weighted average QVM score is 65.2. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Earnings manipulation risk (Beneish M-score)

Following stocks have high risk of potential earnings manipulation (Beneish M-score > -1.78):

Name	Value
Adani Enterprises Ltd.	-1.63
CG Power and Industrial Solutions Ltd.	-0.65
Abbott India Ltd.	-1.38
Neuland Laboratories Ltd.	-1.62
Safari Industries (India) Ltd.	-1.6
Torrent Pharmaceuticals Ltd.	-0.63
Ajanta Pharma Ltd.	-1.58
Navin Fluorine International Ltd.	-1.38
Solar Industries India Ltd.	-1.01
Tube Investments of India Ltd.	-1.47
SJS Enterprises Ltd.	-1.72
Rainbow Childrens Medicare Ltd.	-1.46
Aditya Infotech Ltd.	-1.45
Sudeep Pharma Ltd.	0.66
Clean Max Enviro Energy Solutions Ltd.	-1.15

Declining revenues

Following companies have seen their sales decline for 2 consecutive quarters (measured on yoy basis): Nucleus Software Exports Ltd.

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Awfis Space Solutions Ltd.	2.72
Indiqube Spaces Ltd.	10.12
Clean Max Enviro Energy Solutions Ltd.	3.11
Juniper Green Energy Ltd.	4.02

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
GOI	GOI Securities	6.94%	11/05/2036	SOV	5.14%
Bajaj Finance Ltd.	Bonds	8.06%	15/05/2029	CRISIL AAA	3.40%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	21/09/2026	CRISIL A1+	2.69%
LIC Housing Finance Ltd.	Non Convertible Debenture	0.08%	0	CRISIL AAA	2.37%
Reliance Industries Ltd.	Debenture	8.95%	09/11/2028	CRISIL AAA	1.75%
Power Finance Corporation Ltd.	Non Convertible Debenture	7.40%	08/05/2030	CRISIL AAA	1.70%
Cholamandalam Investment and Finance Company Ltd.	Debenture	8.19%	26/03/2027	ICRA AA+	1.70%
National Bank For Agriculture & Rural Development	Bonds	7.64%	06/12/2029	ICRA AAA	1.70%
Bajaj Housing Finance Ltd.	Non Convertible Debenture	7.83%	18/05/2029	CRISIL AAA	1.70%
National Bank For Agriculture & Rural Development	Bonds	7.40%	25-D 29/04/2030	CRISIL AAA	1.69%
Small Industries Devp. Bank of India Ltd.	Bonds	7.39%	21/03/2030	CRISIL AAA	1.69%
Bajaj Housing Finance Ltd.	Non Convertible Debenture	7.02%	26/05/2028	CRISIL AAA	1.68%
Muthoot Finance Ltd.	Non Convertible Debenture	7.88%	22/11/2028	CRISIL AA+	1.67%
GOI	GOI Securities	6.28%	14/07/2032	SOV	1.60%
Cholamandalam Investment and Finance Company Ltd.	Debenture	8.40%	18/09/2027	ICRA AA+	1.36%
Small Industries Devp. Bank of India Ltd.	Bonds	7.51%	12/06/2028	CRISIL AAA	1.02%
National Bank For Agriculture & Rural Development	Bonds	7.44%	17/07/2029	CRISIL AAA	1.02%
Godrej Industries Ltd.	Non Convertible Debenture	8.10%	22/05/2028	CRISIL AA+	1.02%
Godrej Industries Ltd.	Debenture	7.54%	04/05/2029	CRISIL AA+	1.00%
Others	CBLO	0.00%	0	-	0.93%
GOI	GOI Securities	7.02%	18/06/2031	SOV	0.69%
Muthoot Finance Ltd.	Bonds	8.85%	20/12/2028	CRISIL AA+	0.68%
Godrej Industries Ltd.	Debenture	8.36%	28/08/2026	CRISIL AA+	0.68%
Reserve Bank of India	Treasury Bills	0.00%	91-D 20/08/2026	SOV	0.68%
Bajaj Finance Ltd.	Debenture	7.38%	26/06/2028	CRISIL AAA	0.67%
GOI	GOI Securities	6.54%	17/01/2032	SOV	0.61%
Indian Railway Finance Corporation Ltd.	Bonds	6.65%	20/05/2030	CRISIL AAA	0.50%

Frequently Asked Questions

What are the top holdings of WhiteOak Capital Balanced Hybrid Fund Direct-Growth?

The top holdings of WhiteOak Capital Balanced Hybrid Fund Direct-Growth as of 31 Jul 2026 are ICICI Bank Ltd. (5.61%), GOI (5.14%), Bajaj Finance Ltd. (3.40%), HDFC Bank Ltd. (3.32%), HDFC Bank Ltd. (2.69%). These top 5 stocks together account for 20.16% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does WhiteOak Capital Balanced Hybrid Fund Direct-Growth hold in its portfolio?

WhiteOak Capital Balanced Hybrid Fund Direct-Growth holds 144 stocks in its portfolio as of 31 Jul 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.

What is the sector allocation of WhiteOak Capital Balanced Hybrid Fund Direct-Growth?

As of 31 Jul 2026, WhiteOak Capital Balanced Hybrid Fund Direct-Growth's top sector allocations are Financial (17.60%), Services (4.33%), Healthcare (4.17%). You can find detailed sector allocation above.

What is the equity and debt allocation of WhiteOak Capital Balanced Hybrid Fund Direct-Growth?

As of 31 Jul 2026, WhiteOak Capital Balanced Hybrid Fund Direct-Growth has 52.72% allocated to equity, and 41.35% to debt. You can also check the historical trends above.

What is the market cap allocation of WhiteOak Capital Balanced Hybrid Fund Direct-Growth?

As of 31 Jul 2026, WhiteOak Capital Balanced Hybrid Fund Direct-Growth's market cap allocation is 67.91% in large caps, 11.85% in mid caps, and 20.24% in small caps.

What is the PE ratio of WhiteOak Capital Balanced Hybrid Fund Direct-Growth's portfolio?

The portfolio PE ratio of WhiteOak Capital Balanced Hybrid Fund Direct-Growth is 25.90 as of 31 Jul 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.

What is the credit quality of WhiteOak Capital Balanced Hybrid Fund Direct-Growth?

As of 31 Jul 2026, WhiteOak Capital Balanced Hybrid Fund Direct-Growth's debt portfolio has 20.90% in AAA-rated instruments, 8.11% in AA-rated, and 8.72% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.

When is the latest portfolio disclosure for WhiteOak Capital Balanced Hybrid Fund Direct-Growth?

The latest portfolio disclosure for WhiteOak Capital Balanced Hybrid Fund Direct-Growth is as of 31 Jul 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.