WhiteOak Capital Ultra Short Duration 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.

Fund House : YES Asset Management (India) Ltd.

No of Debt Holding 22 (Category Avg - 63.84) | Modified Duration 0.41 Years (Category Avg - 0.42)| Yield to Maturity 6.37% (Category Avg - 6.42%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	0.00%	3.13%
CD	26.03%	33.23%
T-Bills	6.38%	7.37%
CP	0.00%	9.20%
NCD & Bonds	63.94%	39.42%
PTC	0.00%	1.02%

Category - Ultra Short Duration Fund

Security Type	% Weight	Category Average
Government Backed	6.38%	10.50%
Low Risk	89.97%	82.86%
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 - Ultra Short Duration Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	482.52	9.09%	480.00
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	388.92	7.32%	790.00
Bond - Sundaram Finance Limited	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	252.76	4.76%	2.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	251.53	4.74%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	251.01	4.73%	2.50 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	250.87	4.72%	2.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	250.78	4.72%	250.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	250.61	4.72%	250.00
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	250.31	4.71%	250.00
Bond - Aditya Birla Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	248.98	4.69%	250.00
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	248.38	4.68%	500.00
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	246.46	4.64%	500.00
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	246.10	4.63%	500.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	240.50	4.53%	240.00
Bond - Godrej Industries Ltd	NCD & Bonds	Animal feed	AA+	CRISIL	231.81	4.37%	2.30 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	231.40	4.36%	2.30 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	201.59	3.80%	2.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	193.22	3.64%	400.00
Bond - T-Bill	T-Bills	Other			149.73	2.82%	15.00 L
Bond - T-Bill	T-Bills	Other			138.89	2.62%	14.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	59.55	1.12%	120.00
Bond - T-Bill	T-Bills	Other			49.76	0.94%	5.00 L