WhiteOak Capital Ultra Short Term Fund Direct Growth NAV today
AMFI: 147311ISIN: INF03VN01209MUTF_IN: WHIT_CAPI_ULTR_981YMMWhiteOak Capital Mutual FundUltra Short Duration funds
Formerly 1, WhiteOak Capital Ultra Short Duration Fund
NAV ₹1,527.5946up ₹0.20 (0.01%)
NAV for 30 Oct 2026, against 29 Oct 2026. Declared once a day.
Other plans: Direct IDCW ₹1,006.7842 · Regular IDCW ₹1,004.9926 · Regular Growth ₹1,465.2577, 0.01%
- Fund sizeAssets under management. The money the fund manages for all its investors, across every plan, at the end of the month. Assets under management in the glossary
- ₹549 CrSep 2026
- Expense ratioTotal expense ratio. What the fund charges each year as a share of the money invested, taken out of the NAV every day, so the returns shown are already after it. Total expense ratio: how it is worked out
- 0.28%26 Oct 2026
- Exit loadExit load. A charge, as a share of the amount redeemed, on units sold before a set period has passed since they were bought. Exit load in the glossary
- None
- Yield to maturityYield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each. Yield to maturity in the glossary
- 7.05%30 Sep 2026
- Risk levelRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month. Riskometer in the glossary
- Low to ModerateAug 2026
- HoldingsHoldings. The number of different securities in the fund's latest monthly portfolio: shares, bonds, money market paper and units of other funds, not cash, overnight lending or futures. Holdings in the glossary
- 2230 Sep 2026
- LaunchedLaunch date. The day the fund first allotted units to investors, at the close of its new fund offer. Launch date in the glossary
- 6 Jun 2019
WhiteOak Capital Ultra Short Term Fund returns
Direct Growth plan
Over each window to 30 Oct 2026
| Over | Direct GrowthTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). Trailing return: how it is worked out | Regular Growth | BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back. Benchmark in the glossary | Rank in categoryRank in category. The fund's place among the funds of its category with a return over the same window, highest return first. Rank in category in the glossary | Category medianCategory median. The middle return of the funds in the category over the same window: half returned more, half less. Category median in the glossary | Middle halfMiddle half of the category. The returns of the fund a quarter of the way down the category and the fund a quarter of the way up, over the same window: half the category's funds returned between the two. Middle half of the category in the glossary |
|---|---|---|---|---|---|---|
| 1 week | +0.14% | +0.13% | – | – | – | – |
| 1 month | +0.29% | +0.25% | – | 23 of 26 | +0.33% | +0.3% to +0.4% |
| 3 months | +1.43% | +1.29% | – | 16 of 25 | +1.45% | +1.4% to +1.5% |
| 6 months | +3.16% | +2.88% | – | 19 of 25 | +3.20% | +3.2% to +3.3% |
| 1 year | +6.20% | +5.64% | +6.40%to 30 Sep 2026 | 22 of 25 | +6.36% | +6.3% to +6.5% |
| 3 years | +6.92% | +6.35% | +7.08%to 30 Sep 2026 | 22 of 24 | +7.15% | +7.1% to +7.3% |
| 5 years | +6.35% | +5.73% | +6.54%to 30 Sep 2026 | 20 of 24 | +6.61% | +6.5% to +6.7% |
| 10 years | Needs 10 years | – | – | – | +6.52% | +6.2% to +6.7% |
₹10,000 put in on 10 Jun 2019 is ₹15,264 at the NAV of 30 Oct 2026Growth of ₹10,000. What ₹10,000 put in at the NAV of the first day would be worth at the latest NAV, after the fund's expenses and before tax and any exit load. Growth of ₹10,000 in the glossaryOver a year and longer, a return is the yearly rate. Benchmark: CRISIL Ultra Short Duration Debt A-I Index, over the same days as the fund, or to the month end its cell names. Rank, median and middle half among the Direct plans of Ultra Short Term Fun funds, each fund's return to its latest NAV on or before 1 Nov 2026.
At the month end, 30 Sep 2026
| Over | Fund | BenchmarkBenchmark return. The change in the benchmark index's total return level over the same dates as the fund's return, as a yearly rate over a year and longer. Benchmark return in the glossary |
|---|---|---|
| 7 days yearly rate | +3.69% | +3.75% |
| 15 days yearly rate | +5.58% | +5.05% |
| 1 month yearly rate | +6.40% | +6.00% |
| 3 months yearly rate | +6.41% | +6.22% |
| 6 months yearly rate | +7.14% | +6.76% |
| 1 year | +6.38% | +6.40% |
| 3 years | +7.00% | +7.08% |
| 5 years | +6.34% | +6.54% |
| Since launch | +5.91% | +6.24% |
Benchmark: CRISIL Ultra Short Duration Debt A-I Index. Both as the fund house states them for the month.
Return in each calendar year
- Fund, Direct GrowthCalendar year return. The change in NAV from the last NAV of one year to the last NAV of the next.
Highest year to Dec 2024, +7.5%; lowest year to Dec 2020, +4.1%
WhiteOak Capital Ultra Short Term Fund SIP returns
₹10,000 on the 1st of every month, valued at the NAV of 30 Oct 2026SIP calculator
| Period | InvestedAmount invested. ₹10,000 on the 1st of every month, or the next day the fund priced, added up over the period. Amount invested in the glossary | Value todayValue today. What the units bought by every instalment are worth at the latest NAV. Value today in the glossary | Invested against value today | SIP returnSIP return (XIRR). The yearly rate that, applied to each monthly instalment from the day it was invested, gives the value of all the units today. SIP return (XIRR) in the glossary | After stamp dutySIP return after stamp duty. The same SIP return with stamp duty of 0.005% taken from every instalment since 1 Jul 2020, so ₹10,000 buys ₹9,999.50 of units. SIP return after stamp duty in the glossary | Stamp dutyStamp duty paid. The stamp duty on all the instalments, in rupees: 0.005% of each purchase made since 1 Jul 2020. Stamp duty paid in the glossary |
|---|---|---|---|---|---|---|
| 1 year12 instalments | ₹1,20,000 | ₹1,23,998₹1,23,991 after stamp duty | +6.28% | +6.27% | ₹6 | |
| 3 years36 instalments | ₹3,60,000 | ₹3,98,001₹3,97,981 after stamp duty | +6.64% | +6.64% | ₹18 | |
| 5 years60 instalments | ₹6,00,000 | ₹7,10,831₹7,10,796 after stamp duty | +6.72% | +6.72% | ₹30 | |
| Since Jun 201988 instalments | ₹8,80,000 | ₹11,12,883₹11,12,836 after stamp duty | +6.30% | +6.30% | ₹38 |
10 years: Launched 6 Jun 2019, needs 10 years of history.
A SIP that rises every year: Step-up SIP calculator
Rolling returns
Per cent a year, every window from 10 Jun 2019 to 30 Oct 2026
Lowest to highestAverage
LowestLowest rolling return. The lowest yearly return of any window of this length in the fund's history, one window starting on each day it priced. Lowest rolling return in the glossaryAverageAverage rolling return. The average of the yearly returns of every window of this length in the fund's history. Average rolling return in the glossaryHighestHighest rolling return. The highest yearly return of any window of this length in the fund's history. Highest rolling return in the glossaryEnded higherWindows that ended higher. The share of all the windows of this length in which the NAV ended above where it started. Windows that ended higher in the glossary
1 year1,554 windows+3.6%+5.8%+7.8%100.0%
3 years1,065 windows+4.3%+5.9%+7.2%100.0%
5 years583 windows+5.4%+5.9%+6.5%100.0%
10 yearsLaunched 6 Jun 2019, needs 11 years of history
Every 1, 3 and 5-year window ended higher than it started.
WhiteOak Capital Ultra Short Term Fund expense ratio and exit load
Per cent of the money invested, a year. Each month shows its last day filed; the parts were redefined from Apr 2026.
- Regular over directDirect and regular plan cost gap. The regular plan's expense ratio less the direct plan's: what buying through a distributor costs each year, since both plans own the same portfolio. Direct and regular plan cost gap in the glossary
- 0.54 ptsA year, on 26 Oct 2026
- Direct, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies. Expense ratio, 30-day average in the glossary
- 0.27%Over the last 30 days filed
- Regular, 30-day average
- 0.82%Over the last 30 days filed
Total expense ratio, month by month
- Regular plan
- Direct plan
Direct plan highest 0.82%, Jul 2020.Direct plan lowest 0.25%, Apr 2020.
What the expense ratio is made of
| Part | Direct | Regular |
|---|---|---|
| Base expense ratioBase expense ratio. The part of the expense ratio that pays the fund house and the distributor, before brokerage, transaction costs, levies and GST. Base expense ratio in the glossary | 0.23% | 0.69% |
| Brokerage | 0.01% | 0.01% |
| Transaction costs | None | None |
| Statutory levies | 0.04% | 0.12% |
Per cent of assets a year, filed for 26 Oct 2026. The parts add up to that day's total.
Buying and selling
- Lump-sum purchases
- Accepted
- Minimum investmentMinimum investment. The smallest amount the plan accepts for a first purchase. Minimum investment in the glossary
- ₹500
- Minimum top-up
- ₹500
- Minimum redemption
- ₹500
- SIP
- Accepted
- STP, transfers to another fund
- Not accepted
- SWP, regular withdrawals
- Accepted
- Switches
- Accepted
- Lock-inLock-in. The time after each purchase during which those units cannot be sold. Lock-in in the glossary
- None
- SIP minimum
- Daily/Weekly/Fortnightly/Monthly - Rs.500, Quarterly - Rs. 1500
- SIP instalments, at least
- Daily/Weekly/Fortnightly/Monthly - 6, Quarterly - 4
- SIP dates
- Daily - All business days, Weekly - Any day from Monday to Friday (Monday will be the default day), Fortnightly - 1st and 16th day of each month, as applicable (1st and 16th of the month will be the default dates), Monthly - Any date of every month (between 1st & 28th) (10th will be the default date), Quarterly - Any date of every quarter (between 1st & 28th)
As listed for this plan on 31 Oct 2026.
How WhiteOak Capital Ultra Short Term Fund is taxed
Gains on units bought on or after 1 Apr 2023 are taxed at the income tax slab rate however long they are held; gains on units bought earlier are taxed at 12.5% when held over 24 months, or over 12 months for a listed fund such as an ETF, and at the slab rate otherwise.
IDCW payouts are added to the holder's income and taxed at the income tax slab rate. The fund deducts 10% tax at source for a resident when its payouts to them in a year counted from April to March are above ₹10,000.
Rules in force from 23 Jul 2024, checked 27 Oct 2026. Surcharge and cess are not included.
WhiteOak Capital Ultra Short Term Fund AUM
₹ crore, every plan of the fund together.
- Average assetsAverage assets under management. The money the fund managed, averaged over every day of the quarter, added up across its plans.
- ₹556 CrQuarter to Sep 2026
- In the direct plansShare of assets in the direct plans. The direct plans' average assets for the quarter as a percentage of the fund's total; the rest is in the regular plans, bought through distributors. Share of assets in the direct plans in the glossary
- 17.6%Of the quarter's average
Average assets by quarter, by plan
- Regular plans
- Direct plans
Largest ₹567 Cr, quarter to Jun 2026.
Assets at each month end
Highest ₹586 Cr, Mar 2026.Lowest ₹1 Cr, Jan 2021.
WhiteOak Capital Ultra Short Term Fund portfolio
Portfolio disclosed for 30 Sep 2026.
- Yield to maturity
- 7.05%Lines stating a yield: 94.46% of the bond book
- Yield after expensesYield after expenses. The yield to maturity less the plan's expense ratio. Yield after expenses in the glossary
- 6.78%Direct plan
- Macaulay durationMacaulay duration. The weighted average time, in years, until the fund's bonds pay back their interest and principal. Macaulay duration in the glossary
- 152days
- Modified durationModified duration. Roughly how much the bonds' value changes, in per cent, for each one point change in interest rates. Modified duration in the glossary
- 145days
- Average maturityAverage maturity. The weighted average time, in years, until the fund's bonds are repaid. Average maturity in the glossary
- 152days
- Maturity date knownMaturity date known. The share of the bond book, perpetual bonds left out, whose repayment date is known: the bonds the durations and the maturity profile are taken over. Maturity date known in the glossary
- 100.00%Of the bond book, perpetual bonds left out
- Perpetual bondsPerpetual bonds. Bonds with no maturity date: the issuer pays interest with no fixed day to repay. Their share of the bond book; they are in no duration and no maturity window. Perpetual bonds in the glossary
- None
The bond book is the fund's bonds, bills and overnight lending.
Holdings on 30 Sep 2026
| Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. Weight in the fund in the glossary | Held since. The first month end of the fund's current run of holding this position; marked "or earlier" where that month is the fund's first portfolio on record or the first after a gap in its portfolios. Held since in the glossary | |||||
|---|---|---|---|---|---|---|
| National Bank For Agriculture and Rural Development (17/02/2027)CRISIL A1+, repaid 17 Feb 2027 | Bonds and bills | 8.87% | 48.71 | 1,000 | 6.93% | Jun 2026 |
| Bank of BarodaBank of Baroda (08/03/2027), CARE A1+, repaid 8 Mar 2027 | Bonds and bills | 8.49% | 46.61 | 960 | 6.86% | May 2026 |
| Muthoot Finance8.9% Muthoot Finance Limited (17/06/2027), CRISIL AA+, 8.90% coupon, repaid 17 Jun 2027 | Bonds and bills | 4.56% | 25.07 | 2,500 | 8.27% | Nov 2025 |
| LIC Housing Finance7.9% LIC Housing Finance Limited (23/06/2027), CRISIL AAA, 7.90% coupon, repaid 23 Jun 2027 | Bonds and bills | 4.55% | 25.01 | 250 | 7.66% | Aug 2026 |
| Bajaj Housing Finance7.14% Bajaj Housing Finance Limited (26/02/2027), CRISIL AAA, repaid 26 Feb 2027 | Bonds and bills | 4.54% | 24.96 | 2,500 | 7.24% | Mar 2026 |
| Canara BankCanara Bank (29/01/2027), CRISIL A1+, repaid 29 Jan 2027 | Bonds and bills | 4.45% | 24.46 | 500 | 6.69% | Sep 2026 |
| Small Industries Dev Bank of India (04/02/2027)CRISIL A1+, repaid 4 Feb 2027 | Bonds and bills | 4.45% | 24.41 | 500 | 6.95% | Jul 2026 |
| Bank of IndiaBank of India (17/02/2027), CRISIL A1+, repaid 17 Feb 2027 | Bonds and bills | 4.44% | 24.36 | 500 | 6.89% | Sep 2026 |
| HDFC BankHDFC Bank Limited (15/02/2027), CARE A1+, repaid 15 Feb 2027 | Bonds and bills | 4.44% | 24.38 | 500 | 6.79% | Mar 2026 |
| ICICI BankICICI Bank Limited (12/02/2027), ICRA A1+, repaid 12 Feb 2027 | Bonds and bills | 4.44% | 24.40 | 500 | 6.68% | Jul 2026 |
| Mahindra & Mahindra Financial ServicesMahindra & Mahindra Financial Services Limited (18/02/2027), CRISIL A1+, repaid 18 Feb 2027 | Bonds and bills | 4.43% | 24.32 | 500 | 7.27% | Jun 2026 |
| Toyota Financial Services India Limited (17/02/2027)CRISIL A1+, repaid 17 Feb 2027 | Bonds and bills | 4.43% | 24.31 | 500 | 7.40% | Aug 2026 |
| Canara BankCanara Bank (04/03/2027), CRISIL A1+, repaid 4 Mar 2027 | Bonds and bills | 4.42% | 24.30 | 500 | 6.87% | May 2026 |
| RECREC Limited (19/03/2027), CRISIL A1+, repaid 19 Mar 2027 | Bonds and bills | 4.41% | 24.23 | 500 | 6.88% | Sep 2026 |
| Indian BankIndian Bank (21/06/2027), CRISIL A1+, repaid 21 Jun 2027 | Bonds and bills | 4.33% | 23.76 | 500 | 7.22% | Sep 2026 |
Weight is per cent of the fund's net assets; value in ₹ crore.
Cash and receivables on 30 Sep 2026
| Clearing Corporation of India Ltd | 5.53% | 30.38 |
| Net Receivables / (Payables) | −0.05% | −0.31 |
Weight is per cent of the fund's net assets; value in ₹ crore.
- Largest holdingLargest holding. The share of the fund in its single largest position, cash and futures not counted as positions. Largest holding in the glossary
- 8.87%National Bank For Agriculture and Rural Development (17/02/2027)
- Top 5 holdingsTop 5 holdings. The share of the fund held in its five largest positions. Top 5 holdings in the glossary
- 31.01%
- Top 10 holdingsTop 10 holdings. The share of the fund held in its ten largest positions. Top 10 holdings in the glossary
- 53.23%
- Effective holdingsEffective number of holdings. The number of equal-sized positions that would be as concentrated as the fund's actual weights. Effective number of holdings in the glossary
- 18.9Taken over 94.52% of the fund
Asset allocation
Asset allocation. What the fund owns, by kind of asset, each as a share of its net assets; futures and options are shown beside it, not in it, since they are contracts rather than assets bought. Asset allocation in the glossary- Bonds and bills94.23%
- Units of other funds0.29%
- Cash and receivables5.48%
Per cent of the fund's net assets.
Credit rating
Credit rating. A rating agency's grade for how likely the borrower is to repay on time: AAA down to D for loans of over a year, A1+ down to A4 for loans of under a year, two scales that are never compared. Credit rating in the glossaryLoans of over a year
- Sovereign1.79%
- AAA9.09%
- AA7.30%
Loans of under a year
- A1+76.05%
Other
- Overnight lending5.53%
Per cent of the fund's net assets. A grade is stated for 100.00% of the bonds.
Maturity profile
Maturity profile. The fund's bonds grouped by how long until each is repaid, as a share of the fund's net assets; a bond with no known maturity date is left off. Maturity profile in the glossary- Up to 1 month5.53%
- 1 to 3 months3.32%
- 3 to 6 months74.73%
- 6 to 12 months16.18%
- 1 to 3 yearsNone
- 3 to 5 yearsNone
- 5 to 10 yearsNone
- Over 10 yearsNone
Per cent of the fund's net assets, over the bonds whose maturity date is known; perpetual bonds have none.
- Largest borrowerLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out. Lending to one borrower in the glossary
- 8.87%Canara Bank
- Top 5 borrowers
- 32.77%
- Top 10 borrowers
- 55.06%
Per cent of the fund's net assets. Lent outside the government: 92.44% of the fund, to 16 borrowers; the borrower is named for 85.59% of it, its group for 13.37%.
Bought and sold
Sep 2026 against Aug 2026, position by position.
Positions changed, month by month
- New
- Added
- Trimmed
- Sold out
- New positionsNew positions. Holdings in this month's portfolio that were not in the month before. New positions in the glossary
- 625.04% of the fund
- Sold outSold out. Holdings in last month's portfolio that are gone from this one, other than a bond or deposit repaid on its due date. Sold out in the glossary
- 315.96% of the fund before
- MaturedMatured. Bonds and deposits whose repayment date fell between the two portfolios, so they were repaid rather than sold. One sold in its last days reads the same. Matured in the glossary
- 6
- Added toAdded to. Holdings with more units than the month before. Where the fund states no units, a weight that rose by more than a tenth. Added to in the glossary
- 0
- TrimmedTrimmed. Holdings with fewer units than the month before. Where the fund states no units, a weight that fell by more than a tenth. Trimmed in the glossary
- 0
- UnchangedUnchanged. Holdings with the same number of units as the month before. Their weight can still move with the price. Unchanged in the glossary
- 16
- Traded at leastTraded at least. The smaller of the weight bought in new positions and the weight sold out of old ones, cash left out: the least the fund must have bought and sold in the month. Traded at least in the glossary
- 15.96%
- Weight that movedWeight that moved. Half the sum of every position's change in weight between the two month ends, new and sold positions included; price moves alone raise it. Weight that moved in the glossary
- 29.46%
Changes in Sep 2026
| What changed. New: not held the month before. Added or trimmed: more or fewer units than the month before, or, where no units are stated, a weight that moved by more than a tenth. Sold out: held the month before, gone now. Matured: a bond or deposit whose repayment date fell between the two portfolios, so it was repaid rather than sold (one sold in its last days reads the same). What changed in the glossary | Change in weight. The holding's weight this month less its weight the month before, in percentage points; a price move alone changes it. Change in weight in the glossary | ||||
|---|---|---|---|---|---|
| Indian BankIndian Bank (04/12/2026) | Sold out | – | 8.42% | −8.42 pts | −1,000 |
| Canara BankCanara Bank (29/01/2027) | New | 4.45% | 0.00% | +4.45 pts | +500 |
| Bank of IndiaBank of India (17/02/2027) | New | 4.44% | 0.00% | +4.44 pts | +500 |
| RECREC Limited (19/03/2027) | New | 4.41% | 0.00% | +4.41 pts | +500 |
| Indian BankIndian Bank (21/06/2027) | New | 4.33% | 0.00% | +4.33 pts | +500 |
| Canara BankCanara Bank (14/09/2026) | Matured | – | 4.27% | −4.27 pts | – |
| Punjab National BankPunjab National Bank (15/09/2026) | Matured | – | 4.27% | −4.27 pts | – |
| Axis BankAxis Bank Limited (07/12/2026) | Sold out | – | 4.21% | −4.21 pts | −500 |
| Punjab National BankPunjab National Bank (04/02/2027) | New | 4.09% | 0.00% | +4.09 pts | +460 |
| 182 Days Tbill (MD 26/02/2027) | Sold out | – | 3.33% | −3.33 pts | −20,00,000 |
| Kotak Mahindra BankKotak Mahindra Bank Limited (21/12/2026) | New | 3.32% | 0.00% | +3.32 pts | +370 |
| Godrej IndustriesGodrej Industries Limited (29/09/2026) | Matured | – | 1.36% | −1.36 pts | – |
| HDFC BankHDFC Bank Limited (21/09/2026) | Matured | – | 1.36% | −1.36 pts | – |
| Kotak Securities Limited (24/09/2026) | Matured | – | 1.11% | −1.11 pts | – |
| Bank of BarodaBank of Baroda (16/09/2026) | Matured | – | 0.77% | −0.77 pts | – |
Weights are per cent of the fund's net assets; a change in weight is in percentage points.
Holdings month by month
| Holding | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 | Apr 26 | May 26 | Jun 26 | Jul 26 | Aug 26 | Sep 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| National Bank For Agriculture and Rural Development (17/02/2027) | – | – | – | – | – | – | – | – | 8.96%Bought | 8.73% | 8.30% | 8.87% |
| Bank of BarodaBank of Baroda (08/03/2027) | – | – | – | – | – | – | – | 8.09%Bought | 8.58% | 8.36% | 7.94% | 8.49% |
| Muthoot Finance8.9% Muthoot Finance Limited (17/06/2027) | – | 4.42%Bought | 4.43% | 4.60% | 4.68% | 4.30% | 4.34% | 4.48% | 4.71% | 4.55% | 4.29% | 4.56% |
| LIC Housing Finance7.9% LIC Housing Finance Limited (23/06/2027) | – | – | – | – | – | – | – | – | – | – | 4.29%Bought | 4.55% |
| Bajaj Housing Finance7.14% Bajaj Housing Finance Limited (26/02/2027) | – | – | – | – | – | 4.25%Bought | 4.30% | 4.43% | 4.67% | 4.52% | 4.27% | 4.54% |
| Canara BankCanara Bank (29/01/2027) | – | – | – | – | – | – | – | – | – | – | – | 4.45%Bought |
| Small Industries Dev Bank of India (04/02/2027) | – | – | – | – | – | – | – | – | – | 4.37%Bought | 4.16% | 4.45% |
| Bank of IndiaBank of India (17/02/2027) | – | – | – | – | – | – | – | – | – | – | – | 4.44%Bought |
| HDFC BankHDFC Bank Limited (15/02/2027) | – | – | – | – | – | 4.01%Bought | 4.07% | 4.23% | 4.48% | 4.37% | 4.15% | 4.44% |
| ICICI BankICICI Bank Limited (12/02/2027) | – | – | – | – | – | – | – | – | – | 4.37%Bought | 4.15% | 4.44% |
| Mahindra & Mahindra Financial ServicesMahindra & Mahindra Financial Services Limited (18/02/2027) | – | – | – | – | – | – | – | – | 4.47%Bought | 4.36% | 4.14% | 4.43% |
| Toyota Financial Services India Limited (17/02/2027) | – | – | – | – | – | – | – | – | – | – | 4.14%Bought | 4.43% |
| Canara BankCanara Bank (04/03/2027) | – | – | – | – | – | – | – | 4.22%Bought | 4.47% | 4.36% | 4.14% | 4.42% |
| RECREC Limited (19/03/2027) | – | – | – | – | – | – | – | – | – | – | – | 4.41%Bought |
| Indian BankIndian Bank (21/06/2027) | – | – | – | – | – | – | – | – | – | – | – | 4.33%Bought |
Per cent of the fund's net assets at each month end, Oct 2025 to Sep 2026. Under it, the change on the fund's previous month. "After a gap" is a holding after a month with no portfolio on record, so when it was bought is not known; "Not filed" is one gone across such a gap.
Portfolio turnover, per cent of assets a year
- TurnoverPortfolio turnover. How much of the portfolio the fund bought or sold over the last year, as a share of its assets, as the fund house states it. Portfolio turnover in the glossary
Highest 255.0% in Sep 2026
Risk ratios
NAV to 30 Oct 2026
Each bar runs from the lowest to the highest figure among the Direct plans of Ultra Short Term Fun funds (24 funds) over the same 3 years; the tick is their average and the dot this fund.
How much the NAV moves
Standard deviationStandard deviation. How far the fund's monthly returns spread around their average, stated as a yearly figure: the wider the spread, the more the NAV moves. Standard deviation in the glossary0.42%
0.31%Lowest0.43%Average0.50%Highest
Downside deviationDownside deviation. Standard deviation counting only the months in which the fund lost money, stated as a yearly figure. Downside deviation in the glossaryNo losing month
0.00%Lowest0.00%Average0.00%Highest
Sharpe ratioSharpe ratio. The monthly return above the 91-day Treasury bill yield, divided by its standard deviation and stated for a year: the extra return for each unit of movement in the NAV. Sharpe ratio in the glossary2.13
0.96Lowest2.53Average3.44Highest
Sortino ratioSortino ratio. The monthly return above the 91-day Treasury bill yield, divided by how far it fell below that yield and stated for a year: the extra return for each unit of movement on the way down. Sortino ratio in the glossary5.63
2.25Lowest8.29Average15.70Highest
Largest falls
| Largest over | FallLargest fall. The biggest drop in NAV from a high to the low that followed, before the NAV went back above that high. Largest fall in the glossary | High on | Low on | Back at the highBack at the high. The first day the NAV closed at or above the high it had fallen from. Back at the high in the glossary |
|---|---|---|---|---|
| 1 and 3 years | −0.10% | 13 Oct 2026 | 22 Oct 2026 | 27 Oct 2026 |
| 5 years and since Jun 2019 | −0.16% | 2 May 2022 | 11 May 2022 | 24 May 2022 |
Risk level by month
| Months | Fund | BenchmarkBenchmark's risk level. The riskometer level of the fund's benchmark index for the same month, on the same six-step scale as the fund's own. Benchmark's risk level in the glossary |
|---|---|---|
| Feb 2024 to Aug 202631 months | Low to Moderate | Low to ModerateCRISIL Ultra Short Duration Debt A-I Index |
| Dec 2022 to Jan 202414 months | Low to Moderate | ModerateCRISIL Ultra Short Duration Debt A-I Index |
| Oct 2022 to Nov 20222 months | Low to Moderate | Low to ModerateCRISIL Ultra Short Duration Debt A-I Index |
| Aug 2022 to Sep 20222 months | Low to Moderate | ModerateCRISIL Ultra Short Duration Debt A-I Index |
| Feb 2022 to Jul 20226 months | Low | ModerateCRISIL Ultra Short Duration Debt A-I Index |
| Dec 2021 to Jan 20222 months | Low | Moderately HighNIFTY Ultra Short Duration Debt Index A-I |
| Nov 20211 month | Low | ModerateNIFTY Ultra Short Duration Debt Index A-I |
| Oct 20211 month | Low | Moderately HighNIFTY Ultra Short Duration Debt Index A-I |
The riskometer at each month end, the fund's and its benchmark's. A month with none on record is left out.
WhiteOak Capital Ultra Short Term Fund managers
Managers now
| Manager | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. Return in the manager's time in the glossary | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. Benchmark over the same days in the glossary | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. Difference from the benchmark in the glossary | Portfolio changed after the handover. How much of the portfolio was different three months after the manager took over: half the sum of every holding's change in weight, with each side's holdings scaled to add up to 100 so a move into cash does not count. Portfolio changed after the handover in the glossary | Portfolio changed before the handover. The same measure over the three months before the manager took over, since portfolios change anyway. Portfolio changed before the handover in the glossary | Assets the manager runs. The latest monthly size of every fund the manager runs now, added up; a fund run with others counts in full for each of its managers, and the line under it counts only the funds they run alone. Assets the manager runs in the glossary | ||
|---|---|---|---|---|---|---|---|---|
| Piyush BaranwalPrimary | Jun 2019 | +5.88%a year | – | – | – | – | 22 | ₹46,803 Cr₹1,276 Cr alone |
Returns are the direct plan's growth NAV, from the day each took over to the latest NAV, beside the benchmark over the same days.
Other funds they run
| Fund | |||||
|---|---|---|---|---|---|
| WhiteOak Capital Flexi Cap FundPiyush Baranwal | Aug 2022 | +14.87%a year | – | – | ₹9,325 Cr |
| WhiteOak Capital Multi Asset Allocation FundPiyush Baranwal | May 2023 | +14.94%a year | – | – | ₹9,111 Cr |
| WhiteOak Capital Mid Cap FundPiyush Baranwal | Sep 2022 | +20.29%a year | – | – | ₹7,540 Cr |
| WhiteOak Capital Multi Cap FundPiyush Baranwal | Sep 2023 | +16.06%a year | +9.68% | +6.38 pts | ₹4,308 Cr |
| WhiteOak Capital Arbitrage FundPiyush Baranwal | Sep 2024 | +7.27%a year | +7.39% | −0.13 pts | ₹2,623 Cr |
| Whiteoak Capital Large & Mid Cap FundPiyush Baranwal | Dec 2023 | +10.90%a year | – | – | ₹2,376 Cr |
| WhiteOak Capital Balanced Advantage FundPiyush Baranwal | Feb 2023 | +11.84%a year | – | – | ₹2,256 Cr |
| WhiteOak Capital Special Opportunities FundPiyush Baranwal | Jun 2024 | +14.44%a year | – | – | ₹1,959 Cr |
| WhiteOak Capital Large Cap FundPiyush Baranwal | Dec 2022 | +11.04%a year | – | – | ₹1,208 Cr |
| WhiteOak Capital Pharma and Healthcare FundPiyush Baranwal | Feb 2024 | +19.93%a year | – | – | ₹927 Cr |
The ten largest by assets, by manager. Returns are the direct plan's.
Portfolio overlap
Funds holding the most of the same securities, by weight.
Closest funds in the category
| Portfolio overlap. The share of the two funds' portfolios that is the same: for every holding they share, the smaller of its two weights, added up. Portfolio overlap in the glossary | Shared holdings. The number of securities both funds hold, cash and futures left out. Shared holdings in the glossary | |
|---|---|---|
| LIC MF Ultra Short Term FundLIC Mutual Fund | 15.00% | 6 |
| Canara Robeco Ultra Short Term FundCanara Robeco Mutual Fund | 12.67% | 4 |
| DSP Ultra Short Term FundDSP Mutual Fund | 12.30% | 10 |
| Baroda BNP Paribas Ultra Short Term FundBaroda BNP Paribas Mutual Fund | 11.75% | 5 |
| HSBC Ultra Short Term FundHSBC Mutual Fund | 8.93% | 5 |
| Invesco India Ultra Short Term FundInvesco Mutual Fund | 8.22% | 4 |
| Sundaram Ultra Short TermSundaram Mutual Fund | 7.51% | 6 |
| Mahindra Manulife Ultra Short Term FundMahindra Manulife Mutual Fund | 7.18% | 3 |
| Aditya Birla Sun Life Ultra Short Term FundAditya Birla Sun Life Mutual Fund | 7.04% | 4 |
| ICICI Prudential Ultra Short Term FundICICI Prudential Mutual Fund | 7.02% | 8 |
Portfolios for Sep 2026. Overlap is per cent of the portfolio the two funds hold in common.
Overlap with the fund house's other funds
| WhiteOak Capital Liquid FundWhiteOak Capital Mutual Fund | 2.15% |
As the fund house states it, for Sep 2026.
WhiteOak Capital Ultra Short Term Fund dividend history
IDCW (income distribution cum capital withdrawal), once called a dividend: rupees per unit, paid to holders on the record date and taken out of the NAV. Paid by the fund's Direct IDCW plan.Every fund's payouts
Every payout
| IDCW payout. Rupees paid out per unit to holders on the record date; the money comes out of the fund, so the plan's NAV falls by the same amount. IDCW payout in the glossary | IDCW yield. A payout as a share of the plan's NAV on the record date, before the NAV fell by the amount paid. IDCW yield in the glossary | NAV before | NAV after | |
|---|---|---|---|---|
| 13 Oct 2026 | ₹0.276311 | 0.027% | ₹1,004.9898 | ₹1,004.9898 |
| 12 Oct 2026 | ₹0.201744 | 0.020% | ₹1,004.9898 | ₹1,004.9898 |
| 9 Oct 2026 | ₹0.393298 | 0.039% | ₹1,004.9898 | ₹1,004.9898 |
| 8 Oct 2026 | ₹0.178952 | 0.018% | ₹1,004.9898 | ₹1,004.9898 |
| 7 Oct 2026 | ₹0.16672 | 0.017% | ₹1,004.9898 | ₹1,004.9898 |
| 6 Oct 2026 | ₹0.122596 | 0.012% | ₹1,004.9898 | ₹1,004.9898 |
| 5 Oct 2026 | ₹0.764418 | 0.076% | ₹1,004.9898 | ₹1,004.9898 |
| 1 Oct 2026 | ₹0.405964 | 0.040% | ₹1,004.9898 | ₹1,004.9898 |
| 30 Sep 2026 | ₹0.408344 | 0.041% | ₹1,004.9898 | ₹1,004.9898 |
| 29 Sep 2026 | ₹0.087153 | 0.009% | ₹1,004.9898 | ₹1,004.9898 |
| 28 Sep 2026 | ₹0.244841 | 0.024% | ₹1,004.8368 | ₹1,004.9898 |
| 23 Sep 2026 | ₹0.251345 | 0.025% | ₹1,004.9898 | ₹1,004.9898 |
The latest 120 of 1,075 payouts since 3 Jan 2022.
Changes to the fund
Newest first.
2026
- 30 SepCategoryCategory: Debt / Ultra Short Duration to Debt / Ultra Short Term Fun
- 1 JulExpenseBase expense ratio, regular plan: 0.97% to 0.69%−0.28 ptsExpense ratio change. The plan's typical expense ratio (the middle of its daily figures) in the month the change took effect, against the month before, in percentage points. Expense ratio change in the glossary
- 1 AprExpenseExpense ratio stated under the new rules: a base ratio, with brokerage, levies and GST on top
2022
- 30 AprBenchmarkBenchmark: NIFTY Ultra Short Duration Debt Index A-I to CRISIL Ultra Short Duration Debt A-I Index
Fund details
Objective
The investment objective of the scheme is to generate reasonable income with low volatility through investment in a portfolio comprising of debt and money market instruments. There is no assurance that the investment objective of the Scheme will be achieved.
Asset allocation
- Money market instruments (including Tri party repo and Repo) and Debt Securities (including securitized debt): 0% - 100%
Type of scheme
An open ended ultra-short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3 months to 6 months. A relatively Low Interest Rate Risk and Moderate Credit Risk.
- Benchmark
- CRISIL Ultra Short Duration Debt A-I Index
- Potential risk classPotential risk class. The most risk a debt fund says it may take, as a letter and a numeral: the letter is credit risk, from A (relatively low) to C (relatively high), and the numeral is interest rate risk, from I (relatively low) to III (relatively high). Potential risk class in the glossary
- B-I
- Risk level at launch
- Low to Moderate Risk
- New fund offer
- 24 May 2019 to 6 Jun 2019
- Units first allotted
- 6 Jun 2019
- Open for sale again
- 10 Jun 2019
- Price at the offer
- ₹1,000 a unit
- Minimum at the offer
- ₹1,000
Plans and codes
| Plan | AMFI code | ISIN | ISIN, reinvestment | MUTF_IN | First NAV |
|---|---|---|---|---|---|
| Direct Growth | 147311 | INF03VN01209 | WHIT_CAPI_ULTR_981YMM | 10 Jun 2019 | |
| Regular Growth | 147307 | INF03VN01282 | WHIT_CAPI_ULTR_ARD32L | 10 Jun 2019 | |
| Direct IDCW | 147312 | INF03VN01217 | INF03VN01225 | WHIT_CAPI_ULTR_4WTVC1 | 10 Jun 2019 |
| Regular IDCW | 147308 | INF03VN01258 | WHIT_CAPI_ULTR_1V9L6HI | 10 Jun 2019 |
This fund
- Scheme information documentThe fund's objective, terms, costs and risks in full
Factsheet
- Factsheet as at September 30, 2026WhiteOak Capital Mutual Fund, Sep 2026
Statement of additional information
- SAI WhiteOak Capital Mutual FundWhiteOak Capital Mutual Fund, Oct 2026
Annual report
- WhiteOak Capital Mutual Fund Annual Report 2025-26WhiteOak Capital Mutual Fund, Jul 2026
- WhiteOak Capital Mutual Fund Abridged Annual Report 2025-26WhiteOak Capital Mutual Fund, Jul 2026
Riskometer disclosure
- Disclosure of Risk-o-meter - FY 2025-2026WhiteOak Capital Mutual Fund, Apr 2026
Portfolio overlap disclosure
- Monthly Portfolio Overlap - Sep 30, 2026WhiteOak Capital Mutual Fund, Sep 2026