mutual funds whiteoak capital multi asset allocation fund directgrowth

holdings

WhiteOak Capital Multi Asset Allocation Fund Direct-Growth

Hybrid: Multi Asset Allocation - Growth (Open ended)

WhiteOak Capital Multi Asset Allocation Fund Direct-GrowthNAV: 16.81 as on 06 Sep, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: HighCategory: Hybrid: Multi Asset AllocationCheck Portfolio Overlap →

NAV: ₹16.81-0.09%

07 Sept 2026

Holdings Analysis

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

Asset Allocation

As on 31 Jul 2026

Debt

36.35%

Equity

29.06%

Commodities

19.28%

Real estate

17.28%

Market Cap Distribution

Large Cap (73.0%)

Mid Cap (12.5%)

Small Cap (14.5%)

Historical Asset Allocation

Asset	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026
Equity	29.06%	29.32%	27.80%	30.52%	31.01%	27.70%
Debt	36.35%	38.90%	34.89%	34.01%	33.82%	37.86%
Others (incl. cash)	-1.98%	2.31%	11.50%	9.89%	11.66%	11.15%
Commodities	19.28%	10.89%	9.94%	10.03%	10.28%	9.80%
Real Estate	17.28%	18.58%	15.90%	15.56%	13.24%	13.49%

Portfolio Snapshot

No. of Securities

194

P/E Ratio

26.06

P/B Ratio

3.65

Top Holding %

14.49%

Top 5 Holdings %

32.16%

Top 10 Holdings %

41.37%

Modified Duration

1.94 yrs

Avg. Maturity

2.36 yrs

Yield to Maturity

6.75%

AUM

₹8,187 Cr

Expense Ratio

0.64%

Since Inception

17.09%

Max Drawdown

-0.06%

Sharpe Ratio

2.07

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	16,42,209	235.72	2.88%	-0.30%↓
HDFC Bank Ltd.	Financial	19,72,031	147.54	1.80%	-0.64%↓
Bharti Airtel Ltd.	Communication	6,31,598	124.55	1.52%	-0.02%↓
Nestle India Ltd.	Consumer Staples	6,33,784	95.68	1.17%	0.08%↑
Mahindra & Mahindra Ltd.	Automobile	2,57,428	87.49	1.07%	0.06%↑
Adani Enterprises Ltd.	Services	2,60,342	78.35	0.96%	-
Coforge Ltd.	Technology	4,37,107	75.23	0.92%	0.02%↑
State Bank of India	Financial	7,31,323	75.14	0.92%	0.36%↑
Reliance Industries Ltd.	Energy	5,18,073	67.75	0.83%	-0.12%↓
Eternal Ltd.	Services	21,53,495	65.13	0.80%	-0.05%↓
Kotak Mahindra Bank Ltd.	Financial	15,16,615	59.19	0.72%	-0.11%↓
Torrent Pharmaceuticals Ltd.	Healthcare	1,14,574	58.69	0.72%	0.31%↑
Maruti Suzuki India Ltd.	Automobile	39,219	55.82	0.68%	0.02%↑
Titan Company Ltd.	Consumer Discretionary	1,07,469	52.39	0.64%	0.02%↑
Bharat Electronics Ltd.	Capital Goods	11,32,787	43.94	0.54%	-0.29%↓
Infosys Ltd.	Technology	3,08,151	34.82	0.43%	0.42%↑
Tata Consultancy Services Ltd.	Technology	1,27,453	30.15	0.37%	0.11%↑
Hindalco Industries Ltd.	Metals & Mining	2,81,858	27.47	0.34%	-0.04%↓
Larsen & Toubro Ltd.	Construction	67,871	26.73	0.33%	-0.03%↓
Tech Mahindra Ltd.	Technology	1,60,955	26.58	0.32%	0.32%↑

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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	9.38%	9.93%	8.99%	9.29%	9.58%	8.38%
Healthcare	2.64%	2.45%	2.08%	2.00%	2.00%	1.54%
Services	2.23%	2.22%	1.97%	2.17%	2.17%	2.78%
Technology	2.21%	1.44%	1.68%	2.55%	2.85%	2.44%
Automobile	2.01%	1.95%	1.83%	1.89%	2.04%	2.04%
Energy	1.84%	1.90%	2.12%	2.28%	2.47%	1.47%
Communication	1.68%	1.73%	1.72%	2.52%	2.48%	2.21%
Consumer Staples	1.65%	1.44%	1.34%	1.63%	1.25%	1.13%
Capital Goods	1.50%	2.07%	1.91%	1.98%	1.62%	1.58%
Metals & Mining	1.17%	1.24%	1.34%	1.30%	1.43%	0.91%
Consumer Discretionary	0.91%	0.94%	0.83%	0.83%	0.91%	0.90%
Construction	0.50%	0.59%	0.59%	0.61%	0.55%	0.50%
Chemicals	0.46%	0.38%	0.33%	0.28%	0.27%	0.31%
Materials	0.33%	0.43%	0.47%	0.58%	0.60%	0.51%
Insurance	0.06%	0.06%	0.08%	0.08%	0.25%	0.24%
Textiles	0.03%	-	-	-	-	-

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	16.10%	6.41%
SOV	7.01%	7.23%
Cash & Call Money	5.33%	6.40%
AA+	4.32%	1.62%
Cash	1.41%	1.67%
A1+	0.11%	1.57%
A	-	0.00%
A+	-	0.10%
AA	-	0.80%
AA-	-	0.23%
Others	-	0.06%
Term Deposits	-	0.16%

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

46.9 / 100

Weighted average Value score is 46.9. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

46.9 / 100

Weighted average Price Momentum score is 46.9. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

66.0 / 100

Weighted average Quality score is 66.0. This indicates that portfolio has average quality using composite of quality measures.

QVM score

59.2 / 100

Weighted average QVM score is 59.2. 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
Neuland Laboratories Ltd.	-1.62
Safari Industries (India) Ltd.	-1.6
Tata Motors Passenger Vehicles Ltd.	-1.66
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
Max Healthcare Institute Ltd.	-1.68
SJS Enterprises Ltd.	-1.72
Rainbow Childrens Medicare Ltd.	-1.46
Aditya Infotech Ltd.	-1.45
Sudeep Pharma Ltd.	0.66
CORONA Remedies Ltd.	-1.4
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., REC Ltd., Tata Motors Passenger Vehicles 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
Others	CBLO	0.00%	0	-	8.82%
Indian Railway Finance Corporation Ltd.	Bonds	6.65%	20/05/2030	CRISIL AAA	1.65%
Power Finance Corporation Ltd.	Bonds	7.44%	15/01/2030	CRISIL AAA	1.65%
National Bank For Agriculture & Rural Development	Bonds	7.44%	17/07/2029	CRISIL AAA	1.58%
GOI	GOI Securities	6.28%	14/07/2032	SOV	1.30%
Small Industries Devp. Bank of India Ltd.	Bonds	7.49%	11/06/2029	CRISIL AAA	1.22%
GOI	GOI Securities	6.94%	11/05/2036	SOV	1.16%
Bajaj Housing Finance Ltd.	Non Convertible Debenture	7.83%	18/05/2029	CRISIL AAA	1.04%
Reserve Bank of India	Treasury Bills	0.00%	91-D 13/08/2026	SOV	0.98%
Reserve Bank of India	Treasury Bills	0.00%	91-D 20/08/2026	SOV	0.96%
Small Industries Devp. Bank of India Ltd.	Debenture	7.22%	10/04/2029	CRISIL AAA	0.85%
Muthoot Finance Ltd.	Non Convertible Debenture	7.88%	22/11/2028	CRISIL AA+	0.84%
LIC Housing Finance Ltd.	Non Convertible Debenture	0.08%	0	CRISIL AAA	0.77%
Godrej Industries Ltd.	Debenture	7.54%	04/05/2029	CRISIL AA+	0.76%
Reserve Bank of India	Treasury Bills	0.00%	91-D 10/09/2026	SOV	0.73%
REC Ltd.	Bonds	6.87%	31/05/2030	ICRA AAA	0.72%
National Bank For Agriculture & Rural Development	Bonds	7.64%	06/12/2029	ICRA AAA	0.61%
Reserve Bank of India	Treasury Bills	0.00%	91-D	SOV	0.60%
Power Finance Corporation Ltd.	Non Convertible Debenture	7.40%	08/05/2030	CRISIL AAA	0.54%
Bajaj Housing Finance Ltd.	Non Convertible Debenture	7.02%	26/05/2028	CRISIL AAA	0.54%
Cholamandalam Investment and Finance Company Ltd.	Debenture	8.19%	26/03/2027	ICRA AA+	0.53%
GOI	GOI Securities	7.02%	18/06/2031	SOV	0.50%
Bajaj Finance Ltd.	Debenture	7.38%	26/06/2028	CRISIL AAA	0.50%
Bajaj Finance Ltd.	Bonds	8.06%	15/05/2029	CRISIL AAA	0.49%
GOI	GOI Securities	6.54%	17/01/2032	SOV	0.48%
Bajaj Housing Finance Ltd.	Debenture	7.10%	16/10/2028	CRISIL AAA	0.47%
Bajaj Finance Ltd.	Non Convertible Debenture	7.77%	17/04/2029	CRISIL AAA	0.43%
Cholamandalam Investment and Finance Company Ltd.	Bonds	8.40%	09/08/2028	ICRA AA+	0.43%
Muthoot Finance Ltd.	Bonds	8.85%	20/12/2028	CRISIL AA+	0.41%
National Bank For Agriculture & Rural Development	Bonds	7.40%	25-D 29/04/2030	CRISIL AAA	0.40%
Small Industries Devp. Bank of India Ltd.	Bonds	7.39%	21/03/2030	CRISIL AAA	0.39%
LIC Housing Finance Ltd.	Bonds	7.07%	29/04/2030	CRISIL AAA	0.38%
REC Ltd.	Bonds	7.38%	28/02/2029	CRISIL AAA	0.31%
Indian Railway Finance Corporation Ltd.	Debenture	7.50%	09/09/2029	CRISIL AAA	0.31%
LIC Housing Finance Ltd.	Debenture	7.75%	23/08/2029	CRISIL AAA	0.31%
Torrent Pharmaceuticals Ltd.	Debenture	7.45%	19/01/2028	ICRA AA+	0.30%
National Bank For Agriculture & Rural Development	Bonds	7.01%	26-D 16/03/2029	CRISIL AAA	0.30%
Muthoot Finance Ltd.	Non Convertible Debenture	8.45%	26/06/2029	CRISIL AA+	0.30%
Godrej Industries Ltd.	Non Convertible Debenture	8.10%	22/05/2028	CRISIL AA+	0.27%
Reliance Industries Ltd.	Debenture	8.95%	09/11/2028	CRISIL AAA	0.25%
Cholamandalam Investment and Finance Company Ltd.	Bonds	8.54%	12/04/2029	ICRA AA+	0.22%
Godrej Industries Ltd.	Non Convertible Debenture	8.40%	27/08/2027	CRISIL AA+	0.18%
Reserve Bank of India	Treasury Bills	0.00%	91-D 08/10/2026	SOV	0.18%
Small Industries Devp. Bank of India Ltd.	Bonds	7.51%	12/06/2028	CRISIL AAA	0.18%
HDB Financial Services Ltd.	Debenture	8.23%	05/07/2029	CRISIL AAA	0.18%
Cholamandalam Investment and Finance Company Ltd.	Debenture	8.40%	18/09/2027	ICRA AA+	0.07%
Canara Bank	Certificate of Deposit	0.00%	05/10/2026	CRISIL A1+	0.06%
GOI	GOI Securities	6.48%	06/10/2035	SOV	0.05%
GOI	GOI Securities	6.68%	07/07/2040	SOV	0.05%
GOI	GOI Securities	6.36%	16/02/2031	SOV	0.02%
Bank Of Baroda	Certificate of Deposit	0.00%	08/03/2027	CARE A1+	0.02%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	21/09/2026	CRISIL A1+	0.02%

Frequently Asked Questions

What are the top holdings of WhiteOak Capital Multi Asset Allocation Fund Direct-Growth?

The top holdings of WhiteOak Capital Multi Asset Allocation Fund Direct-Growth as of 31 Jul 2026 are Others (14.49%), Others (8.82%), ICICI Prudential Gold Exchange Traded Fund (3.02%), Nexus Select Trust (2.96%), ICICI Bank Ltd. (2.88%). These top 5 stocks together account for 32.16% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does WhiteOak Capital Multi Asset Allocation Fund Direct-Growth hold in its portfolio?

WhiteOak Capital Multi Asset Allocation Fund Direct-Growth holds 194 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 Multi Asset Allocation Fund Direct-Growth?

As of 31 Jul 2026, WhiteOak Capital Multi Asset Allocation Fund Direct-Growth's top sector allocations are Financial (9.38%), Healthcare (2.64%), Services (2.23%). You can find detailed sector allocation above.

What is the equity and debt allocation of WhiteOak Capital Multi Asset Allocation Fund Direct-Growth?

As of 31 Jul 2026, WhiteOak Capital Multi Asset Allocation Fund Direct-Growth has 29.06% allocated to equity, and 36.35% to debt. You can also check the historical trends above.

What is the market cap allocation of WhiteOak Capital Multi Asset Allocation Fund Direct-Growth?

As of 31 Jul 2026, WhiteOak Capital Multi Asset Allocation Fund Direct-Growth's market cap allocation is 73.04% in large caps, 12.48% in mid caps, and 14.48% in small caps.

What is the PE ratio of WhiteOak Capital Multi Asset Allocation Fund Direct-Growth's portfolio?

The portfolio PE ratio of WhiteOak Capital Multi Asset Allocation Fund Direct-Growth is 26.06 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 Multi Asset Allocation Fund Direct-Growth?

As of 31 Jul 2026, WhiteOak Capital Multi Asset Allocation Fund Direct-Growth's debt portfolio has 16.10% in AAA-rated instruments, 4.32% in AA-rated, and 7.01% 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 Multi Asset Allocation Fund Direct-Growth?

The latest portfolio disclosure for WhiteOak Capital Multi Asset Allocation 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.

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Asset

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

Equity

29.06%

29.32%

27.80%

30.52%

31.01%

27.70%

Debt

36.35%

38.90%

34.89%

34.01%

33.82%

37.86%

Others (incl. cash)

-1.98%

2.31%

11.50%

9.89%

11.66%

11.15%

Commodities

19.28%

10.89%

9.94%

10.03%

10.28%

9.80%

Real Estate

17.28%

18.58%

15.90%

15.56%

13.24%

13.49%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

ICICI Bank Ltd.

Financial

16,42,209

235.72

2.88%

-0.30%↓

HDFC Bank Ltd.

Financial

19,72,031

147.54

1.80%

-0.64%↓

Bharti Airtel Ltd.

Communication

6,31,598

124.55

1.52%

-0.02%↓

Nestle India Ltd.

Consumer Staples

6,33,784

95.68

1.17%

0.08%↑

Mahindra & Mahindra Ltd.

Automobile

2,57,428

87.49

1.07%

0.06%↑

Adani Enterprises Ltd.

Services

2,60,342

78.35

0.96%

Coforge Ltd.

Technology

4,37,107

75.23

0.92%

0.02%↑

State Bank of India

Financial

7,31,323

75.14

0.92%

0.36%↑

Reliance Industries Ltd.

Energy

5,18,073

67.75

0.83%

-0.12%↓

Eternal Ltd.

Services

21,53,495

65.13

0.80%

-0.05%↓

Kotak Mahindra Bank Ltd.

Financial

15,16,615

59.19

0.72%

-0.11%↓

Torrent Pharmaceuticals Ltd.

Healthcare

1,14,574

58.69

0.72%

0.31%↑

Maruti Suzuki India Ltd.

Automobile

39,219

55.82

0.68%

0.02%↑

Titan Company Ltd.

Consumer Discretionary

1,07,469

52.39

0.64%

0.02%↑

Bharat Electronics Ltd.

Capital Goods

11,32,787

43.94

0.54%

-0.29%↓

Infosys Ltd.

Technology

3,08,151

34.82

0.43%

0.42%↑

Tata Consultancy Services Ltd.

Technology

1,27,453

30.15

0.37%

0.11%↑

Hindalco Industries Ltd.

Metals & Mining

2,81,858

27.47

0.34%

-0.04%↓

Larsen & Toubro Ltd.

Construction

67,871

26.73

0.33%

-0.03%↓

Tech Mahindra Ltd.

Technology

1,60,955

26.58

0.32%

0.32%↑

Sector

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

Financial

9.38%

9.93%

8.99%

9.29%

9.58%

8.38%

Healthcare

2.64%

2.45%

2.08%

2.00%

1.54%

Services

2.23%

2.22%

1.97%

2.17%

2.78%

Technology

2.21%

1.44%

1.68%

2.55%

2.85%

2.44%

Automobile

2.01%

1.95%

1.83%

1.89%

2.04%

Energy

1.84%

1.90%

2.12%

2.28%

2.47%

1.47%

Communication

1.68%

1.73%

1.72%

2.52%

2.48%

2.21%

Consumer Staples

1.65%

1.44%

1.34%

1.63%

1.25%

1.13%

Capital Goods

1.50%

2.07%

1.91%

1.98%

1.62%

1.58%

Metals & Mining

1.17%

1.24%

1.34%

1.30%

1.43%

0.91%

Consumer Discretionary

0.91%

0.94%

0.83%

0.91%

0.90%

Construction

0.50%

0.59%

0.61%

0.55%

0.50%

Chemicals

0.46%

0.38%

0.33%

0.28%

0.27%

0.31%

Materials

0.33%

0.43%

0.47%

0.58%

0.60%

0.51%

Insurance

0.06%

0.08%

0.25%

0.24%

Textiles

0.03%

Rating

Fund