mutual funds whiteoak capital multi asset allocation fund directgrowth

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WhiteOak Capital Multi Asset Allocation Fund Direct-Growth

Hybrid: Multi Asset Allocation - Growth (Open ended)

WhiteOak Capital Multi Asset Allocation Fund Direct-GrowthNAV: 16.44 as on 06 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: HighCategory: Hybrid: Multi Asset Allocation

NAV: ₹16.44-0.13%

07 Jul 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 May 2026

Debt

34.89%

Equity

27.80%

Real estate

15.90%

Others

11.50%

Commodities

9.94%

Market Cap Distribution

Large Cap (70.5%)

Mid Cap (12.2%)

Small Cap (17.4%)

Historical Asset Allocation

Asset	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026	31 Dec 2025
Equity	27.80%	30.52%	31.01%	27.70%	27.57%	35.98%
Debt	34.89%	34.01%	33.82%	37.86%	35.40%	45.93%
Others (incl. cash)	11.50%	9.89%	11.66%	11.15%	16.06%	-1.67%
Commodities	9.94%	10.03%	10.28%	9.80%	7.88%	9.95%
Real Estate	15.90%	15.56%	13.24%	13.49%	13.10%	9.82%

Portfolio Snapshot

No. of Securities

188

P/E Ratio

27.16

P/B Ratio

3.95

Top Holding %

11.39%

Top 5 Holdings %

32.89%

Top 10 Holdings %

43.62%

Modified Duration

1.56 yrs

Avg. Maturity

1.93 yrs

Yield to Maturity

6.74%

AUM

₹7,498 Cr

Expense Ratio

0.65%

Since Inception

17.16%

Max Drawdown

-0.06%

Sharpe Ratio

1.94

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	15,54,293	195.28	2.60%	-0.03%↓
HDFC Bank Ltd.	Financial	21,28,921	158.51	2.11%	-0.08%↓
Bharti Airtel Ltd.	Communication	5,77,200	105.57	1.41%	-0.81%↓
Nestle India Ltd.	Consumer Staples	5,24,403	74.54	0.99%	-0.08%↓
Reliance Industries Ltd.	Energy	5,18,073	68.45	0.91%	-0.03%↓
Mahindra & Mahindra Ltd.	Automobile	2,20,195	67.06	0.89%	0.03%↑
Coforge Ltd.	Technology	4,36,607	62.08	0.83%	0.65%↑
Kotak Mahindra Bank Ltd.	Financial	15,16,615	58.27	0.78%	-0.04%↓
Bharat Electronics Ltd.	Capital Goods	13,31,048	54.67	0.73%	-0.08%↓
Eternal Ltd.	Services	21,85,611	54.77	0.73%	-0.03%↓
Maruti Suzuki India Ltd.	Automobile	33,269	43.67	0.58%	-0.04%↓
Titan Company Ltd.	Consumer Discretionary	91,318	37.21	0.50%	-0.06%↓
State Bank of India	Financial	3,85,066	37.14	0.50%	-0.17%↓
Hindalco Industries Ltd.	Metals & Mining	2,81,858	31.76	0.42%	0.01%↑
Larsen & Toubro Ltd.	Construction	61,520	25.08	0.33%	-0.02%↓
Oil And Natural Gas Corporation Ltd.	Energy	8,94,523	23.74	0.32%	-0.06%↓
Tata Steel Ltd.	Metals & Mining	10,99,555	22.87	0.31%	-0.02%↓
Muthoot Finance Ltd.	Financial	69,235	23.14	0.31%	-0.07%↓
Max Healthcare Institute Ltd.	Healthcare	2,38,208	22.99	0.31%	0.02%↑
Power Grid Corporation Of India Ltd.	Energy	7,68,202	22.32	0.30%	-0.04%↓

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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	8.99%	9.29%	9.58%	8.38%	9.44%	11.40%
Energy	2.12%	2.28%	2.47%	1.47%	1.54%	1.38%
Healthcare	2.08%	2.00%	2.00%	1.54%	1.57%	2.06%
Services	1.97%	2.17%	2.17%	2.78%	1.98%	4.08%
Capital Goods	1.91%	1.98%	1.62%	1.58%	1.45%	1.62%
Automobile	1.83%	1.89%	2.04%	2.04%	2.05%	2.25%
Communication	1.72%	2.52%	2.48%	2.21%	1.21%	2.91%
Technology	1.68%	2.55%	2.85%	2.44%	2.24%	2.62%
Consumer Staples	1.34%	1.63%	1.25%	1.13%	1.18%	1.00%
Metals & Mining	1.34%	1.30%	1.43%	0.91%	1.53%	1.46%
Consumer Discretionary	0.83%	0.83%	0.91%	0.90%	0.87%	0.96%
Construction	0.59%	0.61%	0.55%	0.50%	0.54%	0.59%
Materials	0.47%	0.58%	0.60%	0.51%	0.60%	0.48%
Chemicals	0.33%	0.28%	0.27%	0.31%	0.31%	2.18%
Insurance	0.08%	0.08%	0.25%	0.24%	0.26%	0.18%

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	12.67%	6.43%
Cash	11.85%	2.61%
Cash & Call Money	10.25%	5.01%
SOV	7.41%	8.03%
AA+	3.69%	1.02%
A1+	0.41%	1.78%
A	-	0.02%
A+	-	0.10%
AA	-	0.59%
AA-	-	0.17%
Others	-	0.05%
Term Deposits	-	0.11%

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

46.0 / 100

Weighted average Value score is 46.0. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

52.5 / 100

Weighted average Price Momentum score is 52.5. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

67.8 / 100

Weighted average Quality score is 67.8. This indicates that portfolio has average quality using composite of quality measures.

QVM score

63.0 / 100

Weighted average QVM score is 63.0. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Declining revenues

Following companies have seen their sales decline for 2 consecutive quarters (measured on yoy basis): Tata Motors Passenger Vehicles Ltd.

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Vedanta Power Ltd.	3.03
Interglobe Aviation Ltd.	11.15
Awfis Space Solutions Ltd.	2.72
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
Others	CBLO	0.00%	0	-	10.71%
National Bank For Agriculture & Rural Development	Bonds	7.48%	15/09/2028	CRISIL AAA	1.64%
GOI	GOI Securities	6.28%	14/07/2032	SOV	1.39%
Indian Railway Finance Corporation Ltd.	Bonds	6.65%	20/05/2030	CRISIL AAA	1.12%
Reserve Bank of India	Treasury Bills	0.00%	91-D 13/08/2026	SOV	1.06%
Reserve Bank of India	Treasury Bills	0.00%	91-D 20/08/2026	SOV	1.04%
GOI	GOI Securities	6.94%	11/05/2036	SOV	0.93%
Muthoot Finance Ltd.	Non Convertible Debenture	7.88%	22/11/2028	CRISIL AA+	0.92%
Small Industries Devp. Bank of India Ltd.	Debenture	7.22%	10/04/2029	CRISIL AAA	0.92%
Reserve Bank of India	Treasury Bills	0.00%	91-D 16/07/2026	SOV	0.66%
Small Industries Devp. Bank of India Ltd.	Bonds	7.49%	11/06/2029	CRISIL AAA	0.66%
National Bank For Agriculture & Rural Development	Bonds	7.01%	26-D 16/03/2029	CRISIL AAA	0.65%
Reserve Bank of India	Treasury Bills	0.00%	182-D 18/06/2026	SOV	0.60%
Bajaj Housing Finance Ltd.	Non Convertible Debenture	7.02%	26/05/2028	CRISIL AAA	0.59%
Power Finance Corporation Ltd.	Non Convertible Debenture	7.40%	08/05/2030	CRISIL AAA	0.58%
Cholamandalam Investment and Finance Company Ltd.	Debenture	8.19%	26/03/2027	ICRA AA+	0.57%
Bajaj Finance Ltd.	Debenture	7.11%	10/07/2028	CRISIL AAA	0.54%
GOI	GOI Securities	7.02%	18/06/2031	SOV	0.54%
Bajaj Finance Ltd.	Debenture	7.38%	26/06/2028	CRISIL AAA	0.54%
National Bank For Agriculture & Rural Development	Bonds	7.53%	24/03/2028	ICRA AAA	0.53%
GOI	GOI Securities	6.54%	17/01/2032	SOV	0.52%
Bajaj Housing Finance Ltd.	Debenture	7.10%	16/10/2028	CRISIL AAA	0.51%
Cholamandalam Investment and Finance Company Ltd.	Bonds	8.40%	09/08/2028	ICRA AA+	0.47%
LIC Housing Finance Ltd.	Debenture	7.95%	29/01/2028	CRISIL AAA	0.47%
Power Finance Corporation Ltd.	Bonds	7.44%	15/01/2030	CRISIL AAA	0.46%
Bajaj Finance Ltd.	Non Convertible Debenture	7.77%	17/04/2029	CRISIL AAA	0.46%
Muthoot Finance Ltd.	Bonds	8.85%	20/12/2028	CRISIL AA+	0.44%
National Bank For Agriculture & Rural Development	Bonds	7.40%	25-D 29/04/2030	CRISIL AAA	0.43%
REC Ltd.	Bonds	7.44%	29/02/2028	CRISIL AAA	0.42%
Small Industries Devp. Bank of India Ltd.	Bonds	7.39%	21/03/2030	CRISIL AAA	0.42%
LIC Housing Finance Ltd.	Bonds	7.07%	29/04/2030	CRISIL AAA	0.41%
Reserve Bank of India	Treasury Bills	0.00%	182-D 04/06/2026	SOV	0.39%
Torrent Pharmaceuticals Ltd.	Debenture	7.45%	19/01/2028	ICRA AA+	0.33%
Small Industries Devp. Bank of India Ltd.	Bonds/NCDs	7.42%	12/03/2029	CRISIL AAA	0.33%
National Bank For Agriculture & Rural Development	Bonds	7.44%	17/07/2029	CRISIL AAA	0.32%
Godrej Industries Ltd.	Non Convertible Debenture	8.10%	22/05/2028	CRISIL AA+	0.29%
Reliance Industries Ltd.	Debenture	8.95%	09/11/2028	CRISIL AAA	0.27%
Cholamandalam Investment and Finance Company Ltd.	Bonds	8.54%	12/04/2029	ICRA AA+	0.24%
Cholamandalam Investment and Finance Company Ltd.	Debenture	8.40%	18/09/2027	ICRA AA+	0.23%
Small Industries Devp. Bank of India Ltd.	Bonds	7.51%	12/06/2028	CRISIL AAA	0.20%
GOI	GOI Securities	6.68%	07/07/2040	SOV	0.20%
National Housing Bank	Debenture	7.59%	14/07/2027	CRISIL AAA	0.20%
Godrej Industries Ltd.	Non Convertible Debenture	8.40%	27/08/2027	CRISIL AA+	0.20%
Bank Of Baroda	Certificate of Deposit	0.00%	15/06/2026	FITCH A1+	0.15%
Kotak Mahindra Bank Ltd.	Certificate of Deposit	0.00%	31/08/2026	CRISIL A1+	0.10%
Muthoot Finance Ltd.	Commercial Paper	0.00%	216-D 17/06/2026	CRISIL A1+	0.08%
GOI	GOI Securities	6.48%	06/10/2035	SOV	0.05%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	21/09/2026	CRISIL A1+	0.05%
GOI	GOI Securities	6.36%	16/02/2031	SOV	0.03%
Bank Of Baroda	Certificate of Deposit	0.00%	08/03/2027	CARE A1+	0.03%
GOI	GOI Securities	6.33%	05/05/2035	SOV	0.00%

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 sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.

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 188 securities in its portfolio. The top 5 holdings account for 32.89% of the portfolio and the top 10 for 43.62% — a well-diversified portfolio that minimises stock-specific risk.

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

The sector allocation of WhiteOak Capital Multi Asset Allocation 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 Multi Asset Allocation Fund Direct-Growth?

As of 31 May 2026, WhiteOak Capital Multi Asset Allocation Fund Direct-Growth has 27.80% in equity, 34.89% in debt and 11.50% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 6.74%.

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

WhiteOak Capital Multi Asset Allocation Fund Direct-Growth's equity portfolio — Large Cap: 70.48%, Mid Cap: 12.15%, Small Cap: 17.37%. 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 Multi Asset Allocation Fund Direct-Growth a concentrated or diversified fund?

WhiteOak Capital Multi Asset Allocation Fund Direct-Growth holds 188 securities, with the top 10 accounting for 43.62% of the portfolio and the top 5 for 32.89%. With 188 holdings, this is a well-diversified fund — stock-specific risk is limited.

What is the credit quality of WhiteOak Capital Multi Asset Allocation Fund Direct-Growth?

The debt holdings of WhiteOak Capital Multi Asset Allocation Fund Direct-Growth are rated as follows — AAA: 12.67%, Cash: 11.85%, Cash & Call Money: 10.25%, SOV: 7.41%, 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 Multi Asset Allocation Fund Direct-Growth change its portfolio?

The portfolio currently holds 188 securities with the top 10 accounting for 43.62% 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 Multi Asset Allocation Fund Direct-Growth's portfolio?

The weighted average PE ratio of WhiteOak Capital Multi Asset Allocation Fund Direct-Growth's portfolio is 27.16 and the PB ratio is 3.95. The debt portfolio has a modified duration of 1.56 years and an average maturity of 1.93 years. These metrics reflect the overall valuation and interest rate sensitivity 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 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

27.80%

30.52%

31.01%

27.70%

27.57%

35.98%

Debt

34.89%

34.01%

33.82%

37.86%

35.40%

45.93%

Others (incl. cash)

11.50%

9.89%

11.66%

11.15%

16.06%

-1.67%

Commodities

9.94%

10.03%

10.28%

9.80%

7.88%

9.95%

Real Estate

15.90%

15.56%

13.24%

13.49%

13.10%

9.82%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

ICICI Bank Ltd.

Financial

15,54,293

195.28

2.60%

-0.03%↓

HDFC Bank Ltd.

Financial

21,28,921

158.51

2.11%

-0.08%↓

Bharti Airtel Ltd.

Communication

5,77,200

105.57

1.41%

-0.81%↓

Nestle India Ltd.

Consumer Staples

5,24,403

74.54

0.99%

-0.08%↓

Reliance Industries Ltd.

Energy

5,18,073

68.45

0.91%

-0.03%↓

Mahindra & Mahindra Ltd.

Automobile

2,20,195

67.06

0.89%

0.03%↑

Coforge Ltd.

Technology

4,36,607

62.08

0.83%

0.65%↑

Kotak Mahindra Bank Ltd.

Financial

15,16,615

58.27

0.78%

-0.04%↓

Bharat Electronics Ltd.

Capital Goods

13,31,048

54.67

0.73%

-0.08%↓

Eternal Ltd.

Services

21,85,611

54.77

0.73%

-0.03%↓

Maruti Suzuki India Ltd.

Automobile

33,269

43.67

0.58%

-0.04%↓

Titan Company Ltd.

Consumer Discretionary

91,318

37.21

0.50%

-0.06%↓

State Bank of India

Financial

3,85,066

37.14

0.50%

-0.17%↓

Hindalco Industries Ltd.

Metals & Mining

2,81,858

31.76

0.42%

0.01%↑

Larsen & Toubro Ltd.

Construction

61,520

25.08

0.33%

-0.02%↓

Oil And Natural Gas Corporation Ltd.

Energy

8,94,523

23.74

0.32%

-0.06%↓

Tata Steel Ltd.

Metals & Mining

10,99,555

22.87

0.31%

-0.02%↓

Muthoot Finance Ltd.

Financial

69,235

23.14

0.31%

-0.07%↓

Max Healthcare Institute Ltd.

Healthcare

2,38,208

22.99

0.31%

0.02%↑

Power Grid Corporation Of India Ltd.

Energy

7,68,202

22.32

0.30%

-0.04%↓

Sector

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

31 Dec 2025

Financial

8.99%

9.29%

9.58%

8.38%

9.44%

11.40%

Energy

2.12%

2.28%

2.47%

1.47%

1.54%

1.38%

Healthcare

2.08%

2.00%

1.54%

1.57%

2.06%

Services

1.97%

2.17%

2.78%

1.98%

4.08%

Capital Goods

1.91%

1.98%

1.62%

1.58%

1.45%

1.62%

Automobile

1.83%

1.89%

2.04%

2.05%

2.25%

Communication

1.72%

2.52%

2.48%

2.21%

1.21%

2.91%

Technology

1.68%

2.55%

2.85%

2.44%

2.24%

2.62%

Consumer Staples

1.34%

1.63%

1.25%

1.13%

1.18%

1.00%

Metals & Mining

1.34%

1.30%

1.43%

0.91%

1.53%

1.46%

Consumer Discretionary

0.83%

0.91%

0.90%

0.87%

0.96%

Construction

0.59%

0.61%

0.55%

0.50%

0.54%

0.59%

Materials

0.47%

0.58%

0.60%

0.51%

0.60%

0.48%

Chemicals

0.33%

0.28%

0.27%

0.31%

2.18%

Insurance

0.08%

0.25%

0.24%

0.26%

0.18%

Rating

Fund