WhiteOak Capital Banking & Financial Services Fund - Regular Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Sectoral/Thematic

Fund House : YES Asset Management (India) Ltd.

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 12.941 0.27%
(as on 14th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 523.06 Cr

(0.1% of Investment in Category)

Expense Ratio

: 2.37%

(2.15% Category average)

Risk-O-Meter

Very High Risk

Sectoral/Thematic :Sectoral/Thematic : The fund has 94.52% investment in domestic equities of which 33.18% is in Large Cap stocks, 9.04% is in Mid Cap stocks, 9.25% in Small Cap stocks.The fund has 2.28% investment in Debt, of which 2.28% in Government securities.

Suitable For : Investors who have advanced knowledge of macro trends and prefer to take selective bets for higher returns compared to other Equity funds. At the same time, these investors should also be ready for possibility of moderate to high losses in their investments even though overall market is performing better.

1M
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6M
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ALL

This Scheme

VS

Benchmark
Nifty Financial Services TRI

2.5%

4.45%

6.09%

19.67%

19.73%

15.7%

20.33%
NA
2.06%

4.44%

7.28%

7.19%

18.93%

20.93%

12.63%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 13th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	06-Nov-25	10109.70	1.10%	-	1.08%	117/242
1 Month	13-Oct-25	10233.10	2.33%	-	1.56%	76/239
3 Month	13-Aug-25	10403.00	4.03%	-	4.31%	136/236
6 Month	13-May-25	10758.60	7.59%	-	8.08%	109/226
YTD	01-Jan-25	11242.20	12.42%	-	4.39%	32/213
1 Year	13-Nov-24	11790.60	17.91%	17.91%	7.43%	14/199
Since Inception	06-Feb-24	12906.00	29.06%	15.50%	12.58%	88/218

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 13th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	13-Nov-24	12000	13264	10.53 %	19.98 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 31st Oct,2025)

Portfolio Turnover Ratio : 227.00% | Category average turnover ratio is 96.83%

Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)

Equity Holding : 94.52% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 94.52%

No of Stocks : 43 (Category Avg - 44.17) | Large Cap Investments : 33.18%| Mid Cap Investments : 9.04% | Small Cap Investments : 9.25% | Other : 43.05%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
HDFC Bank Ltd.	Private sector bank	787.2	15.05%	-0.37%	15.42% (Sep 2025)	12.1% (Nov 2024)	7.97 L	13.10 k
ICICI Bank Ltd.	Private sector bank	775	14.82%	-4.38%	21.28% (Jul 2025)	14.82% (Oct 2025)	5.76 L	-1.13 L
Kotak Mahindra Bank Ltd.	Private sector bank	401	7.67%	-0.19%	8.01% (Apr 2025)	3.15% (Dec 2024)	1.91 L	0.00
State Bank Of India	Public sector bank	394.4	7.54%	0.36%	7.54% (Oct 2025)	5% (Jun 2025)	4.21 L	22.85 k
Bajaj Finserv Ltd	Holding company	232.8	4.45%	-0.43%	8.43% (Feb 2025)	4.05% (Apr 2025)	1.11 L	-6.16 k
Aadhar Housing Finance Ltd.	Housing finance company	156.3	2.99%	-0.35%	3.51% (Jul 2025)	1% (Feb 2025)	3.07 L	-0.10 L
Five-Star Business Finance Ltd.	Non banking financial company (nbfc)	137.7	2.63%	1.88%	2.63% (Oct 2025)	0% (Nov 2024)	2.11 L	1.44 L
# Shriram Finance Ltd.	Non banking financial company (nbfc)	126.7	2.42%	2.42%	2.8% (Nov 2024)	0% (Nov 2024)	1.69 L	1.69 L
Bajaj Finance Ltd.	Non banking financial company (nbfc)	123.5	2.36%	-0.09%	2.69% (Mar 2025)	0% (Nov 2024)	1.18 L	0.00
PB Fintech Ltd.	Financial technology (fintech)	112.3	2.15%	-0.28%	2.91% (May 2025)	1.33% (Jan 2025)	62.88 k	-6.05 k

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 7 (Category Avg - 0.87) | Modified Duration 0.00 Years (Category Avg - 0.00)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	0.02%
T-Bills	2.28%	0.43%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	2.28%	0.44%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	1.65%
TREPS	TREPS	1.55%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 01st January, 1970)

No data available. Ratios are only available for the funds which are 3 years old.

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Taiwan Equity Fund - Regular Plan - Growth	NA	421.51	4.08	13.63	45.22	42.71	35.95
Aditya Birla Sun Life International Equity Fund - Regular Plan - Growth	NA	273.51	-0.62	2.54	16.57	29.20	15.18
Franklin Asian Equity Fund - Growth	NA	297.12	5.11	10.28	19.43	25.87	13.80
Quant BFSI Fund - Regular Plan - Growth	NA	680.73	4.64	8.71	19.52	24.41	0.00
HDFC Transportation and Logistics Fund - Regular Plan - Growth	NA	1733.63	0.11	9.74	20.55	22.94	0.00
Nippon India Japan Equity Fund - Growth	NA	292.35	3.63	4.19	14.10	22.76	16.94
SBI Banking & Financial Services Fund - Regular Plan - Growth	NA	9273.44	4.16	6.60	11.67	21.62	19.73
ITI Banking and Financial Services Fund - Regular Plan - Growth	NA	333.18	4.90	8.15	8.87	20.95	13.54
DSP Banking & Financial Services Fund - Regular Plan - Growth	NA	1518.73	2.91	7.31	8.10	20.86	0.00
Mirae Asset Banking and Financial Services Fund - Growth	NA	2130.33	4.21	6.79	9.39	19.60	17.39

Detailed Comparison

More Funds from YES Asset Management (India) Ltd.

Out of 20 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 1 is/are ranked 4 * , 1 is/are ranked 3 * , and 16 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
WhiteOak Capital Flexi Cap Fund - Regular Plan - Growth	4	6481.36	3.28	5.20	8.07	10.60	19.03
WhiteOak Capital Multi Asset Allocation Fund - Regular Plan - Growth	NA	4530.34	0.00	0.00	0.00	0.00	0.00
WhiteOak Capital Multi Asset Allocation Fund - Regular Plan - Growth	NA	4530.34	1.37	5.86	9.22	18.63	0.00
WhiteOak Capital Mid Cap Fund - Regular Plan - Growth	5	4075.13	3.37	6.99	12.86	13.36	25.75
WhiteOak Capital Multi Cap Fund - Regular Plan - Growth	NA	2638.72	3.40	5.73	10.87	12.67	0.00
WhiteOak Capital Balanced Advantage Fund - Regular Plan - Growth	NA	2015.14	1.86	3.22	4.98	9.91	0.00
WhiteOak Capital Large & Mid Cap Fund - Regular Plan - Growth	NA	1958.86	2.57	5.54	9.09	11.78	0.00
WhiteOak Capital Special Opportunities Fund - Regular Plan - Growth	NA	1274.61	3.92	4.63	9.75	15.07	0.00
WhiteOak Capital Large Cap Fund - Regular Plan - Growth	NA	1103.81	2.51	4.55	6.43	10.11	0.00
WhiteOak Capital Arbitrage Fund - Regular Plan - Growth	5	735.66	0.47	1.36	2.98	6.54	0.00