mutual funds whiteoak capital equity savings fund directgrowth

holdings

WhiteOak Capital Equity Savings Fund Direct-Growth

Hybrid: Equity Savings - Growth (Open ended)

WhiteOak Capital Equity Savings Fund Direct-GrowthNAV: 11.63 as on 07 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: ModerateCategory: Hybrid: Equity SavingsBenchmark: NIFTY Equity Savings Total Return Index

NAV: ₹11.63-0.42%

08 Jul 2026

Holdings Analysis

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

Asset Allocation

As on 31 May 2026

Others

47.69%

Debt

23.50%

Equity

19.39%

Real estate

9.43%

Market Cap Distribution

Large Cap (75.2%)

Mid Cap (18.0%)

Small Cap (6.8%)

Historical Asset Allocation

Asset	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026	31 Dec 2025
Equity	19.39%	19.05%	21.49%	26.17%	25.97%	24.86%
Debt	23.50%	21.90%	25.97%	23.99%	20.87%	24.46%
Others (incl. cash)	47.69%	47.39%	42.48%	40.01%	42.85%	41.09%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	9.43%	11.66%	10.05%	9.83%	10.31%	9.58%

Portfolio Snapshot

No. of Securities

139

P/E Ratio

24.54

P/B Ratio

3.27

Top Holding %

47.69%

Top 5 Holdings %

69.48%

Top 10 Holdings %

84.89%

Modified Duration

3.87 yrs

Avg. Maturity

5.17 yrs

Yield to Maturity

6.83%

AUM

₹290 Cr

Expense Ratio

1.55%

Since Inception

12.11%

Max Drawdown

-0.04%

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	1,53,329	19.26	6.65%	1.56%↑
HDFC Bank Ltd.	Financial	2,49,680	18.59	6.42%	-0.68%↓
Vodafone Idea Ltd.	Communication	80,05,200	11.2	3.87%	0.49%↑
Bharti Airtel Ltd.	Communication	53,295	9.75	3.37%	-0.72%↓
Maruti Suzuki India Ltd.	Automobile	7,321	9.61	3.32%	0.97%↑
Axis Bank Ltd.	Financial	55,921	7.19	2.48%	-0.06%↓
TVS Motor Company Ltd.	Automobile	21,175	7.11	2.45%	0.35%↑
State Bank of India	Financial	70,009	6.75	2.33%	-0.76%↓
Reliance Industries Ltd.	Energy	45,528	6.02	2.08%	-0.01%↓
SBI Life Insurance Company Ltd.	Insurance	28,920	5.29	1.83%	-0.34%↓
Kotak Mahindra Bank Ltd.	Financial	1,32,165	5.08	1.75%	-0.34%↓
Coforge Ltd.	Technology	30,246	4.3	1.49%	0.99%↑
Cummins India Ltd.	Capital Goods	6,600	3.88	1.34%	-0.10%↓
Eternal Ltd.	Services	1,52,463	3.82	1.32%	-0.15%↓
Bajaj Finserv Ltd.	Financial	19,724	3.52	1.21%	0.09%↑
Mahindra & Mahindra Ltd.	Automobile	11,379	3.47	1.20%	-0.20%↓
HDFC Life Insurance Co Ltd.	Insurance	50,600	3.01	1.04%	0.08%↑
Biocon Ltd.	Healthcare	62,500	2.68	0.93%	0.41%↑
Steel Authority Of India Ltd.	Metals & Mining	1,26,900	2.59	0.90%	-0.07%↓
Hindalco Industries Ltd.	Metals & Mining	22,464	2.53	0.87%	-0.06%↓

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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 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026	31 Dec 2025
Financial	6.44%	6.05%	6.73%	9.01%	9.15%	8.34%
Technology	1.57%	1.45%	1.69%	1.85%	2.38%	2.22%
Services	1.43%	1.32%	1.64%	1.87%	2.00%	2.04%
Energy	1.37%	1.29%	1.42%	1.52%	1.54%	1.32%
Automobile	1.32%	1.36%	1.71%	2.11%	1.96%	2.09%
Capital Goods	1.31%	1.41%	1.40%	1.73%	1.37%	1.42%
Communication	1.13%	1.16%	1.24%	1.23%	1.12%	1.43%
Healthcare	1.08%	1.13%	1.58%	1.65%	1.62%	1.61%
Consumer Staples	1.03%	1.25%	1.06%	1.20%	1.04%	0.88%
Metals & Mining	0.85%	0.85%	0.97%	1.30%	1.12%	0.87%
Consumer Discretionary	0.55%	0.47%	0.50%	0.64%	0.59%	0.63%
Construction	0.53%	0.49%	0.46%	0.70%	0.58%	0.61%
Materials	0.43%	0.45%	0.47%	0.56%	0.66%	0.60%
Chemicals	0.27%	0.30%	0.30%	0.31%	0.32%	0.36%
Insurance	0.06%	0.05%	0.21%	0.25%	0.27%	0.16%
Textiles	-	-	0.00%	-	-	-

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
Cash	48.99%	27.42%
SOV	16.91%	8.15%
AAA	2.37%	6.01%
Cash & Call Money	2.23%	15.49%
AA+	0.69%	1.29%
A+	-	0.12%
A1+	-	4.52%
AA	-	0.59%
AA-	-	0.25%
D	-	7.13%
Others	-	0.18%
Term Deposits	-	0.03%

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

Score not available.

Price Momentum score

Score not available.

Quality score

Score not available.

QVM score

Score not available.

Red Flags

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Ashok Leyland Ltd.	4.49
Grasim Industries Ltd.	2.2
TVS Motor Company Ltd.	3.43
Vedanta Power Ltd.	3.03
Interglobe Aviation Ltd.	11.15
Indiqube Spaces Ltd.	10.12
Clean Max Enviro Energy Solutions Ltd.	2.73

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	6.28%	14/07/2032	SOV	4.85%
Others	CBLO	0.00%	0	-	3.53%
GOI	GOI Securities	6.36%	16/02/2031	SOV	2.71%
GOI	GOI Securities	6.68%	07/07/2040	SOV	1.95%
GOI	GOI Securities	6.94%	11/05/2036	SOV	1.72%
GOI	GOI Securities	6.54%	17/01/2032	SOV	1.70%
GOI	GOI Securities	6.01%	21/07/2030	SOV	1.69%
GOI	GOI Securities	6.33%	05/05/2035	SOV	0.72%
Cholamandalam Investment and Finance Company Ltd.	Debenture	8.19%	26/03/2027	ICRA AA+	0.69%
GOI	GOI Securities	7.02%	18/06/2031	SOV	0.69%
Bajaj Finance Ltd.	Debenture	7.38%	26/06/2028	CRISIL AAA	0.68%
National Bank For Agriculture & Rural Development	Bonds	7.40%	25-D 29/04/2030	CRISIL AAA	0.68%
GOI	GOI Securities	6.48%	06/10/2035	SOV	0.40%
Power Finance Corporation Ltd.	Non Convertible Debenture	7.40%	08/05/2030	CRISIL AAA	0.34%
Bajaj Finance Ltd.	Debenture	7.11%	10/07/2028	CRISIL AAA	0.34%
Indian Railway Finance Corporation Ltd.	Bonds	6.65%	20/05/2030	CRISIL AAA	0.33%
Reserve Bank of India	Treasury Bills	0.00%	182-D 04/06/2026	SOV	0.24%
Reserve Bank of India	Treasury Bills	0.00%	91-D 20/08/2026	SOV	0.24%

Frequently Asked Questions

What are the top holdings of WhiteOak Capital Equity Savings Fund Direct-Growth?

The top holdings of WhiteOak Capital Equity Savings Fund Direct-Growth sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.

How many stocks does WhiteOak Capital Equity Savings Fund Direct-Growth hold in its portfolio?

WhiteOak Capital Equity Savings Fund Direct-Growth holds 139 securities in its portfolio. The top 5 holdings account for 69.48% of the portfolio and the top 10 for 84.89% — a well-diversified portfolio that minimises stock-specific risk.

What is the sector allocation of WhiteOak Capital Equity Savings Fund Direct-Growth?

The sector allocation of WhiteOak Capital Equity Savings Fund Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.

What is the equity and debt allocation of WhiteOak Capital Equity Savings Fund Direct-Growth?

As of 31 May 2026, WhiteOak Capital Equity Savings Fund Direct-Growth has 19.39% in equity, 23.50% in debt and 47.69% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 6.83%.

What is the market cap allocation of WhiteOak Capital Equity Savings Fund Direct-Growth?

WhiteOak Capital Equity Savings Fund Direct-Growth's equity portfolio — Large Cap: 75.21%, Mid Cap: 18.01%, Small Cap: 6.78%. Market cap allocation determines the fund's risk profile — large cap offers stability while mid and small cap offer higher growth potential with higher volatility.

Is WhiteOak Capital Equity Savings Fund Direct-Growth a concentrated or diversified fund?

WhiteOak Capital Equity Savings Fund Direct-Growth holds 139 securities, with the top 10 accounting for 84.89% of the portfolio and the top 5 for 69.48%. With 139 holdings, this is a well-diversified fund — stock-specific risk is limited.

What is the credit quality of WhiteOak Capital Equity Savings Fund Direct-Growth?

The debt holdings of WhiteOak Capital Equity Savings Fund Direct-Growth are rated as follows — Cash: 48.99%, SOV: 16.91%, AAA: 2.37%, Cash & Call Money: 2.23%, and others. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.

How often does WhiteOak Capital Equity Savings Fund Direct-Growth change its portfolio?

The portfolio currently holds 139 securities with the top 10 accounting for 84.89% as of 31 May 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.

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

The weighted average PE ratio of WhiteOak Capital Equity Savings Fund Direct-Growth's portfolio is 24.54 and the PB ratio is 3.27. The debt portfolio has a modified duration of 3.87 years and an average maturity of 5.17 years. These metrics reflect the overall valuation and interest rate sensitivity of the portfolio.

When is the latest portfolio disclosure for WhiteOak Capital Equity Savings Fund Direct-Growth?

The latest portfolio disclosure for WhiteOak Capital Equity Savings Fund Direct-Growth is as of 31 May 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.

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Asset

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

31 Dec 2025

Equity

19.39%

19.05%

21.49%

26.17%

25.97%

24.86%

Debt

23.50%

21.90%

25.97%

23.99%

20.87%

24.46%

Others (incl. cash)

47.69%

47.39%

42.48%

40.01%

42.85%

41.09%

Commodities

0.00%

Real Estate

9.43%

11.66%

10.05%

9.83%

10.31%

9.58%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

ICICI Bank Ltd.

Financial

1,53,329

19.26

6.65%

1.56%↑

HDFC Bank Ltd.

Financial

2,49,680

18.59

6.42%

-0.68%↓

Vodafone Idea Ltd.

Communication

80,05,200

11.2

3.87%

0.49%↑

Bharti Airtel Ltd.

Communication

53,295

9.75

3.37%

-0.72%↓

Maruti Suzuki India Ltd.

Automobile

7,321

9.61

3.32%

0.97%↑

Axis Bank Ltd.

Financial

55,921

7.19

2.48%

-0.06%↓

TVS Motor Company Ltd.

Automobile

21,175

7.11

2.45%

0.35%↑

State Bank of India

Financial

70,009

6.75

2.33%

-0.76%↓

Reliance Industries Ltd.

Energy

45,528

6.02

2.08%

-0.01%↓

SBI Life Insurance Company Ltd.

Insurance

28,920

5.29

1.83%

-0.34%↓

Kotak Mahindra Bank Ltd.

Financial

1,32,165

5.08

1.75%

-0.34%↓

Coforge Ltd.

Technology

30,246

4.3

1.49%

0.99%↑

Cummins India Ltd.

Capital Goods

6,600

3.88

1.34%

-0.10%↓

Eternal Ltd.

Services

1,52,463

3.82

1.32%

-0.15%↓

Bajaj Finserv Ltd.

Financial

19,724

3.52

1.21%

0.09%↑

Mahindra & Mahindra Ltd.

Automobile

11,379

3.47

1.20%

-0.20%↓

HDFC Life Insurance Co Ltd.

Insurance

50,600

3.01

1.04%

0.08%↑

Biocon Ltd.

Healthcare

62,500

2.68

0.93%

0.41%↑

Steel Authority Of India Ltd.

Metals & Mining

1,26,900

2.59

0.90%

-0.07%↓

Hindalco Industries Ltd.

Metals & Mining

22,464

2.53

0.87%

-0.06%↓

Sector

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

31 Dec 2025

Financial

6.44%

6.05%

6.73%

9.01%

9.15%

8.34%

Technology

1.57%

1.45%

1.69%

1.85%

2.38%

2.22%

Services

1.43%

1.32%

1.64%

1.87%

2.00%

2.04%

Energy

1.37%

1.29%

1.42%

1.52%

1.54%

1.32%

Automobile

1.32%

1.36%

1.71%

2.11%

1.96%

2.09%

Capital Goods

1.31%

1.41%

1.40%

1.73%

1.37%

1.42%

Communication

1.13%

1.16%

1.24%

1.23%

1.12%

1.43%

Healthcare

1.08%

1.13%

1.58%

1.65%

1.62%

1.61%

Consumer Staples

1.03%

1.25%

1.06%

1.20%

1.04%

0.88%

Metals & Mining

0.85%

0.97%

1.30%

1.12%

0.87%

Consumer Discretionary

0.55%

0.47%

0.50%

0.64%

0.59%

0.63%

Construction

0.53%

0.49%

0.46%

0.70%

0.58%

0.61%

Materials

0.43%

0.45%

0.47%

0.56%

0.66%

0.60%

Chemicals

0.27%

0.30%

0.31%

0.32%

0.36%

Insurance

0.06%

0.05%

0.21%

0.25%

0.27%

0.16%

Textiles

0.00%

Rating

Fund