WhiteOak Capital Liquid 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 : Liquid Fund

Fund House : YES Asset Management (India) Ltd.

No of Debt Holding 24 (Category Avg - 64.50) | Modified Duration 0.15 Years (Category Avg - 0.15)| Yield to Maturity 5.89% (Category Avg - 5.96%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	0.00%	0.67%
CD	34.52%	36.56%
T-Bills	17.13%	18.69%
NCD & Bonds	3.14%	4.83%
CP	43.47%	42.16%

Category - Liquid Fund

Security Type	% Weight	Category Average
Government Backed	17.13%	19.36%
Low Risk	81.13%	83.45%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Liquid Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Godrej Industries Ltd	CP	Animal feed	P1+	CRISIL	394.61	7.07%	800.00
Bond - T-Bill	T-Bills	Other			349.23	6.26%	35.00 L
Bond - HDFC Securities Ltd.	CP	Stockbroking & allied	A1+	ICRA	297.71	5.33%	600.00
Bond - Godrej Agrovet Ltd.	CP	Animal feed	A1+	ICRA	248.77	4.46%	500.00
Bond - Indian Oil Corporation Ltd.	CP	Refineries & marketing	P1+	CRISIL	248.52	4.45%	500.00
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	248.32	4.45%	500.00
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	248.29	4.45%	500.00
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	247.58	4.44%	500.00
Bond - Indian Oil Corporation Ltd.	CP	Refineries & marketing	P1+	CRISIL	247.53	4.44%	500.00
Bond - Small Industries Development Bank Of India	CP	Financial institution	P1+	CRISIL	247.17	4.43%	500.00
Bond - Kotak Securities Ltd.	CP	Stockbroking & allied	A1+	ICRA	247.11	4.43%	500.00
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	247.07	4.43%	500.00
Bond - Punjab National Bank	CD	Public sector bank	F1+	FITCH	246.99	4.43%	500.00
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	246.99	4.43%	500.00
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	246.97	4.43%	500.00
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	246.95	4.43%	500.00
Bond - Bajaj Financial Securities Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	246.33	4.41%	500.00
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	194.03	3.48%	392.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	175.31	3.14%	175.00
Bond - T-Bill	T-Bills	Other			149.82	2.68%	15.00 L
Bond - T-Bill	T-Bills	Other			149.36	2.68%	15.00 L
Bond - T-Bill	T-Bills	Other			108.63	1.95%	11.00 L
Bond - T-Bill	T-Bills	Other			99.37	1.78%	10.00 L
Bond - T-Bill	T-Bills	Other			99.06	1.78%	10.00 L