WhiteOak Capital Banking & Financial Services Fund - Direct 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

: ₹ 13.236 -0.32%
(as on 11th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 483.64 Cr

(0.09% of Investment in Category)

Expense Ratio

: 0.66%

(0.89% Category average)

Risk-O-Meter

Very High Risk

Sectoral/Thematic :Sectoral/Thematic : The fund has 92.93% investment in domestic equities of which 36.14% is in Large Cap stocks, 8.96% is in Mid Cap stocks, 8.78% in Small Cap stocks.The fund has 3.81% investment in Debt, of which 3.81% 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
1Y
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ALL

This Scheme

VS

Benchmark
Nifty Financial Services TRI

1.66%

3.55%

7.92%

14.98%

19.19%

15.44%

20.29%
NA
0.94%

4.69%

11.5%

5.15%

20.43%

22.3%

14.09%

NA
Gold

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VIP (Value Avg)

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Returns (NAV as on 11th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	04-Nov-25	9966.90	-0.33%	-	-0.36%	107/231
1 Month	10-Oct-25	10210.60	2.11%	-	0.94%	55/227
3 Month	11-Aug-25	10356.00	3.56%	-	4.69%	148/224
6 Month	09-May-25	11134.90	11.35%	-	11.50%	95/213
YTD	01-Jan-25	11350.70	13.51%	-	4.88%	30/201
1 Year	11-Nov-24	11554.80	15.55%	15.55%	5.15%	14/187
Since Inception	06-Feb-24	13236.00	32.36%	17.22%	14.09%	79/199

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 11th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	11-Nov-24	12000	13305.07	10.88 %	20.65 %

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 30th Sep,2025)

Portfolio Turnover Ratio : 234.00% | Category average turnover ratio is 57.31%

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 : 92.93% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 92.93%

No of Stocks : 38 (Category Avg - 44.01) | Large Cap Investments : 36.14%| Mid Cap Investments : 8.96% | Small Cap Investments : 8.78% | Other : 39.05%

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
ICICI Bank Ltd.	Private sector bank	928.7	19.20%	-1.37%	21.28% (Jul 2025)	15.29% (Feb 2025)	6.89 L	0.00
HDFC Bank Ltd.	Private sector bank	745.8	15.42%	1.78%	20.16% (Oct 2024)	12.1% (Nov 2024)	7.84 L	1.13 L
Kotak Mahindra Bank Ltd.	Private sector bank	380.1	7.86%	1.35%	8.01% (Apr 2025)	3.15% (Dec 2024)	1.91 L	35.29 k
State Bank Of India	Public sector bank	347.3	7.18%	1.18%	7.18% (Sep 2025)	5% (Jun 2025)	3.98 L	47.89 k
Bajaj Finserv Ltd	Holding company	236	4.88%	0.07%	8.43% (Feb 2025)	4.05% (Apr 2025)	1.18 L	0.00
Aadhar Housing Finance Ltd.	Housing finance company	161.6	3.34%	-0.06%	3.51% (Jul 2025)	1% (Feb 2025)	3.17 L	0.00
Bajaj Finance Ltd.	Non banking financial company (nbfc)	118.3	2.45%	0.23%	2.69% (Mar 2025)	0% (Oct 2024)	1.18 L	0.00
Computer Age Management Services Pvt Ltd.	Depositories, clearing houses and other intermediaries	118.1	2.44%	-0.05%	3.01% (Jun 2025)	0.02% (Apr 2025)	31.41 k	0.00
PB Fintech Ltd.	Financial technology (fintech)	117.3	2.43%	-0.18%	2.91% (May 2025)	1.29% (Oct 2024)	68.93 k	0.00
Max Financial Services Ltd.	Life insurance	97.2	2.01%	-0.05%	2.06% (Aug 2025)	1.18% (Feb 2025)	61.69 k	1.55 k

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

Detailed Portfolio Analysis

No of Debt Holding 12 (Category Avg - 0.79) | 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	3.81%	0.33%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	3.81%	0.35%
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 (%)
TREPS	TREPS	3.27%
Net Receivables	Net Receivables	-0.01%

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 - Direct Plan - Growth	NA	421.51	1.23	15.73	53.96	40.74	38.90
Aditya Birla Sun Life International Equity Fund - Direct Plan - Growth	NA	273.51	2.31	5.74	19.20	28.72	16.90
Quant BFSI Fund - Direct Plan - Growth	NA	655.17	4.03	7.83	25.70	23.32	0.00
HDFC Transportation and Logistics Fund - Direct Plan - Growth	NA	1651.55	0.54	12.24	28.64	21.74	0.00
Franklin Asian Equity Fund - Direct - Growth	NA	279.13	2.21	11.24	23.52	21.46	15.05
Nippon India Japan Equity Fund - Direct Plan - Growth	NA	292.35	1.47	4.07	12.97	19.61	18.10
DSP Banking & Financial Services Fund - Direct Plan - Growth	NA	1419.62	2.89	6.92	12.25	18.55	0.00
ITI Banking and Financial Services Fund - Direct Plan - Growth	NA	333.18	4.09	7.72	12.34	18.52	15.35
SBI Banking & Financial Services Fund - Direct Plan - Growth	NA	9273.44	2.64	5.70	13.80	17.27	20.36
HDFC Defence Fund - Direct Plan - Growth	NA	7024.28	0.53	7.87	18.29	17.15	0.00

Detailed Comparison

More Funds from YES Asset Management (India) Ltd.

Out of 19 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 2 is/are ranked 4 * , and 15 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 - Direct Plan - Growth	4	6003.13	2.13	5.42	11.75	8.76	20.58
WhiteOak Capital Multi Asset Allocation Fund - Direct Plan - Growth	NA	3942.58	1.12	5.65	10.02	17.89	0.00
WhiteOak Capital Mid Cap Fund - Direct Plan - Growth	5	3731.43	3.58	7.57	18.87	11.85	27.64
WhiteOak Capital Multi Cap Fund - Direct Plan - Growth	NA	2405.40	2.52	5.98	15.70	10.99	0.00
WhiteOak Capital Large & Mid Cap Fund - Direct Plan - Growth	NA	1958.86	2.51	6.10	13.84	10.39	0.00
WhiteOak Capital Balanced Advantage Fund - Direct Plan - Growth	NA	1897.02	1.33	3.54	7.65	9.68	0.00
WhiteOak Capital Special Opportunities Fund - Direct Plan - Growth	NA	1186.55	2.60	4.85	14.45	13.07	0.00
WhiteOak Capital Large Cap Fund - Direct Plan - Growth	NA	1046.93	1.53	4.96	9.94	8.76	0.00
WhiteOak Capital Arbitrage Fund - Direct Plan - Growth	5	735.66	0.60	1.52	3.27	7.33	0.00
WhiteOak Capital Quality Equity Fund - Direct Plan - Growth	NA	645.81	1.36	3.34	6.96	0.00	0.00