Should I invest in WhiteOak Capital Flexi Cap Fund Direct Plan IDCW?

We don't give personal investment advice. WhiteOak Capital Flexi Cap Fund Direct Plan IDCW is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding.

WhiteOak Capital

WhiteOak Capital Flexi Cap Fund Direct Plan IDCW

Latest NAV

₹17.8230

As of

3 Jun 2026

940 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.41%	-0.75%	+1.16	19 / 105	Q1
1W	-1.34%	-1.81%	+0.47	66 / 104	Q3
2W	+0.28%	-1.11%	+1.40	43 / 104	Q2
1M	-0.51%	-1.16%	+0.65	55 / 104	Q3
3M	+0.63%	+1.00%	-0.38	56 / 103	Q3
6M	-5.56%	+1.92%	-7.47	70 / 100	Q3
YTD	-4.49%	-1.23%	-3.26	61 / 98	Q3
1Y	+1.01%	+9.43%	-8.42	54 / 88	Q3
2Y	+7.06%	+5.85%	+1.21	28 / 82	Q2
3Y	+17.03%	+10.05%	+6.98	11 / 71	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+16.25%	+8.04%	+8.20	9 / 105	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-4.49%	-6.20%	+1.72	18 / 46
2025	+5.24%	+1.97%	+3.27	14 / 43
2024	+25.32%	+18.83%	+6.49	11 / 42
2023	+32.83%	+26.32%	+6.51	5 / 36
2022	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+20.99%

35 windows

min 1.0% · max 44.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+19.78%

11 windows

min 17.0% · max 21.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

13.22%

3-year · annualised

Sharpe ratio

0.77

vs risk-free 6.5%

Sortino ratio

1.23

Downside-only deviation

Max drawdown

-15.59%

Dec 2024 → Feb 2025

% positive months

72.2%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - IDCW Option - Direct Plan	HDFC	₹85.5390	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹58.6919	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹16.7500	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹17.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹49.6510	3 Jun 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹80.8500	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹224.7300	3 Jun 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹31.2807	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹66.6106	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.8230
2 Jun 2026	₹17.8340
1 Jun 2026	₹17.7620
29 May 2026	₹17.9080
27 May 2026	₹18.0680
26 May 2026	₹18.0770
25 May 2026	₹18.0850
22 May 2026	₹17.8950
21 May 2026	₹17.8390
20 May 2026	₹17.8030

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of WhiteOak Capital Flexi Cap Fund Direct Plan IDCW is ₹17.8230. It's a Flexi Cap Fund from WhiteOak Capital, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

WhiteOak Capital Flexi Cap Fund Direct Plan IDCW has NAV history starting from 03 Aug 2022, a track record of about 3 years 10 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

WhiteOak Capital Flexi Cap Fund Direct Plan IDCW is managed by WhiteOak Capital. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, WhiteOak Capital Flexi Cap Fund Direct Plan IDCW has delivered a absolute return of 1.01% — -8.42 pp behind the Flexi Cap Fund category average of 9.43%. The fund ranks #54 of 88 in its category — the third (Q3) quartile.

Over the trailing 3-year window, WhiteOak Capital Flexi Cap Fund Direct Plan IDCW has delivered a CAGR of 17.03% — +6.98 pp ahead of the Flexi Cap Fund category average of 10.05%. The fund ranks #11 of 71 in its category — the top (Q1) quartile.

WhiteOak Capital Flexi Cap Fund Direct Plan IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in WhiteOak Capital Flexi Cap Fund Direct Plan IDCW exactly 3 years ago would be worth approximately ₹160,291 today — a multiplier of 1.60×, based on the 3-year CAGR of 17.03%. The category average over the same window would have grown ₹1 lakh to ₹133,288.

A ₹10,000 monthly SIP in WhiteOak Capital Flexi Cap Fund Direct Plan IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹409,934 today. That's an XIRR (money-weighted annualised return) of 8.61%.

WhiteOak Capital Flexi Cap Fund Direct Plan IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹409,934 — XIRR 8.61%.

On a 3-year basis, WhiteOak Capital Flexi Cap Fund Direct Plan IDCW ranks #11 out of 71 funds in the Flexi Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.05%; this fund delivered 17.03%.

The worst peak-to-trough decline WhiteOak Capital Flexi Cap Fund Direct Plan IDCW has experienced over the last 3-year window is 15.59% — its NAV fell from a high on 16 Dec 2024 to a low on 28 Feb 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, WhiteOak Capital Flexi Cap Fund Direct Plan IDCW averaged 19.78% (best 21.53%, worst 17.03%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.77 — reasonable risk-adjusted performance.

In calendar year 2025, WhiteOak Capital Flexi Cap Fund Direct Plan IDCW returned 5.24% — beating the Flexi Cap Fund category average of 1.97% by 3.27 pp. It ranked #14 of 43 in its category that year.

WhiteOak Capital Flexi Cap Fund Direct Plan IDCW is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. WhiteOak Capital Flexi Cap Fund Direct Plan IDCW is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.