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WhiteOak Capital Liquid Fund - Direct Plan - Growth Option

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity by investing in high quality debt and money market instruments. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.Read more

AMC websiteScheme documentsNAV history (AMFI)हिंदी में

WhiteOak Capital Mutual FundLiquid FundsDirect · GrowthRiskometer: Low to Moderate Risk
NAV · 16 Oct 2026₹1,528.38▲ 0.01% (1 day)
  • Current NAV₹1,528.38
  • Fund Size (AUM)₹ 727 Cr.
  • Expense Ratio0.12 %
  • 1Y Return+6.39%
  • 3Y Return (CAGR)+6.83%
  • 5Y Return (CAGR)+6.22%
  • Category Rank (3Y)—
  • RiskometerLow to Moderate Risk
  • Min. SIP / Lump sum₹ 500 / ₹ 500
More figures (11)
  • Since Launch (CAGR)+5.62%
  • Benchmark—
  • Volatility (3Y)0.22 %
  • Sharpe Ratio (3Y)1.48
  • Beta (3Y)—
  • 52-week High / Low₹1,528.43 / ₹1,436.56
  • Max Drawdown-0.1 %
  • Launched16 Jan 2019
  • Lock-inNone
  • Portfolio Turnover—
  • Fund ManagersPiyush Baranwal

Performance chart

Past performance may or may not be sustained in future.

Quick take

  • Over 5 years it returned 6.2% a year.
  • Volatility over 3 years was 0.2% a year, with a Sharpe ratio of 1.48.
  • Its biggest fall from a peak was 0.1% (3 May 2022 to 5 May 2022).
  • Across all 3-year periods since launch, yearly returns ranged from 3.7% to 7.0% and were positive 100% of the time.
  • Expense ratio 0.12%, fund size ₹727 crore.

Pros

  • Every 3-year period since launch gave a positive return (lowest 3.7% a year).
  • Sharpe ratio of 1.48 over 3 years: good return for the volatility taken.

Cons

No standout weaknesses in its record so far.

Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.

AI analysis

Plenitude AI reads the figures on this page and explains them in plain language.

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Returns vs benchmark and category

Returns (%)1W1M3M6MYTD1Y2Y3Y5Y7Y10YSince launch
This fund+0.05%+0.45%+1.55%+3.10%+5.13%+6.39%+6.57%+6.83%+6.22%+5.47%—+5.62%

Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Direct Growth plans in Liquid Funds. Q1 = top quarter by return over that period.

Calendar-year returns

Year2026 YTD202520242023202220212020
This fund+5.13%+6.49%+7.36%+6.98%+4.54%+3.01%+3.69%

January to December each year; the current year is to date.

Month-by-month returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDecYear
20260.40.50.50.70.50.60.50.60.50.3
20250.60.60.70.60.50.50.50.50.50.50.50.56.5
20240.60.60.70.60.60.60.60.50.60.60.60.67.4
20230.60.50.60.50.70.50.60.60.50.60.60.67.0
20220.30.20.30.30.30.40.40.40.40.50.50.54.6
20210.30.20.30.20.30.20.20.20.20.30.30.33.0
20200.40.40.40.30.30.30.20.30.20.30.30.23.7
20190.50.70.60.60.60.60.50.50.50.40.5

Change in NAV from the last business day of one month to the last business day of the next. Positive in 93 of 93 months shown (100%). "Year" is shown for complete calendar years.

Risk and consistency

Risk measure3 years5 years
Volatility (standard deviation) ?0.22%0.23%
Sharpe ratio ?1.48-1.22
Sortino ratio ?2.46-1.76
Maximum drawdown-0.01%-0.05%

Rolling 3-year returns (yearly)

Lowest+3.67%
Median+5.47%
Highest+6.98%
Positive100% of periods
Above 12% a year0% of periods

Rolling 5-year returns (yearly)

Lowest+4.99%
Median+5.33%
Highest+6.23%
Positive100% of periods
Above 12% a year0% of periods

Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.

SIP returns: ₹10,000 every month

SIP forInvestedValue todayGainXIRR
1Y₹1,20,000₹1,24,170₹4,170+6.48%
3Y₹3,60,000₹3,97,910₹37,910+6.61%
5Y₹6,00,000₹7,09,534₹1,09,534+6.64%

A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.

What your investment would be worth

Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.

Compare with all Liquid Funds (44)

S.No.Scheme (Direct plans, Growth)6M %1Y %3Y % CAGR5Y % CAGRExpense ratio %Fund size ₹ Cr
1.360 ONE Liquid Fund360 ONE Mutual Fund————0.23529
2.Abakkus Liquid FundAbakkus Mutual Fund——————
3.Aditya Birla Sun Life Liquid FundAditya Birla Sun Life Mutual Fund————0.2161,167
4.ASK Liquid FundASK MUTUAL FUND——————
5.Axis Liquid FundAxis Mutual Fund————0.1353,470
6.Bajaj Finserv Liquid FundBajaj Finserv Mutual Fund————0.086,863
7.BANDHAN LIQUID FundBandhan Mutual Fund————0.0716,269
8.BANK OF INDIA LIQUID FUNDBank of India Mutual Fund————0.091,874
9.BARODA BNP PARIBAS LIQUID FUNDBaroda BNP Paribas Mutual Fund————0.1012,914
10.Canara Robeco Liquid FundCanara Robeco Mutual Fund————0.085,027
11.Capitalmind Liquid FundCapitalmind Mutual Fund——————
12.DSP Liquid FundDSP Mutual Fund————0.1224,726
13.Edelweiss Liquid FundEdelweiss Mutual Fund————0.1011,741
14.Franklin India Liquid FundFranklin Templeton Mutual Fund————0.144,811
15.Groww Liquid FundGroww Mutual Fund————0.11301
16.HDFC Liquid FundHDFC Mutual Fund————0.2066,295
17.ICICI Prudential Liquid FundICICI Prudential Mutual Fund————0.2055,340
18.Invesco India Liquid FundInvesco Mutual Fund————0.1522,395
19.Invesco India Liquid FundInvesco Mutual Fund——————
20.Invesco India Liquid FundInvesco Mutual Fund——————
21.Invesco India Liquid FundInvesco Mutual Fund——————
22.Invesco India Liquid FundInvesco Mutual Fund——————
23.ITI Liquid FundITI Mutual Fund————0.1652
24.JioBlackRock Liquid FundJio BlackRock Mutual Fund——————
25.JM Liquid FundJM Financial Mutual Fund————0.161,701
26.Kotak Liquid FundKotak Mahindra Mutual Fund————0.1542,047
27.LIC MF Liquid FundLIC Mutual Fund————0.1312,872
28.Mahindra Manulife Liquid FundMahindra Manulife Mutual Fund————0.151,041
29.Mirae Asset Liquid FundMirae Asset Mutual Fund————0.0914,887
30.Nippon India Liquid FundNippon India Mutual Fund————0.2040,490
31.Parag Parikh Liquid FundPPFAS Mutual Fund————0.105,228
32.PGIM India Liquid FundPGIM India Mutual Fund————0.111,438
33.Quant Liquid Fundquant Mutual Fund————0.311,149
34.Quantum Liquid FundQuantum Mutual Fund————0.15543
35.SBI LIQUID FUNDSBI Mutual Fund————0.2077,481
36.Shriram Liquid FundShriram Mutual Fund————0.16547
37.Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund)Sundaram Mutual Fund————0.146,727
38.Tata Liquid FundTata Mutual Fund————0.2328,037
39.The Wealth Company Liquid FundThe Wealth Company Mutual Fund——————
40.TRUSTMF Liquid FundTrust Mutual Fund————0.10748
41.UNIFI LIQUID FUNDUnifi Mutual Fund——————
42.Union Liquid FundUnion Mutual Fund————0.075,014
43.UTI - Liquid FundUTI Mutual Fund——————
44.WhiteOak Capital Liquid FundWhiteOak Capital Mutual Fund————0.12727
Median: 44 schemes————0.146,727

Detailed comparison with another fund About Liquid Funds

Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.

Scheme details

Investment objective
The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity by investing in high quality debt and money market instruments. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.
Fund manager
Piyush Baranwal
Fund house
WhiteOak Capital Mutual Fund
Category
Liquid Funds · Debt
Plan / option
Direct · Growth
AMFI scheme code
145971
ISIN
INF03VN01043
Scheme documents
SID, KIM and factsheets (fund house website) · exit load and full portfolio are in these documents.

About Liquid Funds

Liquid Funds invest in debt and money-market securities maturing within 91 days. They are commonly used for emergency funds and short-term parking.

Generally used by money needed within weeks to a few months.

Other plans of this scheme

Tax on your gains

Likely tax treatment: Debt-oriented fund ("specified mutual fund")

  • Units bought on or after 1 April 2023: gains are added to your income and taxed at your slab rate, however long you hold them.
  • No long-term rate or indexation benefit for these units.
  • Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
  • Switching from one scheme or plan to another counts as selling and buying.
  • Surcharge and 4% health and education cess apply on top of these rates.
Fund typeShort-termLong-term
Equity-oriented20% (up to 12 months)12.5% above ₹1.25 lakh
Debt-oriented (bought from Apr 2023)Slab rateSlab rate
Gold, international, other hybridSlab rate12.5% (after 12 or 24 months)

Exit load, if any, is set out in the scheme's KIM (scheme documents). Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.

Fund manager

PB

From the scheme details published by the fund house. "Also manages" lists schemes we have on record and grows as more schemes are viewed.

Latest news: WhiteOak Capital Mutual Fund

Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.

Questions about this scheme

What is the NAV of WhiteOak Capital Liquid Fund today?
The latest NAV of WhiteOak Capital Liquid Fund - Direct Plan - Growth Option is ₹1,528.38 as on 16 Oct 2026, as published by AMFI. NAVs are updated every business day evening.
What returns has WhiteOak Capital Liquid Fund given?
As on 16 Oct 2026: 1 year +6.39%, 3 years +6.83% a year, 5 years +6.22% a year. Past returns may or may not be sustained in future.
What is the expense ratio of WhiteOak Capital Liquid Fund?
The expense ratio of the Direct plan is 0.12% (as of Aug 2026). It is already deducted in the NAV.
How risky is this fund?
Its riskometer level is Low to Moderate Risk. Over 3 years its volatility was 0.2% a year and its biggest fall from a peak was 0.0%. Mutual fund investments are subject to market risks.
What is the difference between Direct and Regular plans?
Both plans hold the same portfolio. A Direct plan is bought straight from the fund house and has a lower expense ratio. A Regular plan is bought through a distributor, who is paid a commission from the expense ratio, so its NAV grows slightly slower.
What are Liquid Funds?
Liquid Funds invest in debt and money-market securities maturing within 91 days. They are commonly used for emergency funds and short-term parking.
How are gains from WhiteOak Capital Liquid Fund taxed?
It is taxed as a debt-oriented fund: for units bought on or after 1 April 2023, gains are taxed at your income-tax slab rate however long you hold them.
Important. NAVs are from AMFI and mfapi.in; benchmark closes from Yahoo Finance; expense ratio, fund size and managers from published scheme data (Kuvera). Figures may be delayed; confirm with the fund house before transacting. Ranks and quartiles are positions by past return and are not a rating or recommendation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934) and earns commission from fund houses on Regular plans (see Disclosures).
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