Should I invest in WhiteOak Capital Ultra Short Duration Fund?

We don't give personal investment advice. WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.2%. 5-year CAGR: 6.18%.

WhiteOak Capital

WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option

Latest NAV

₹1,486.7953

As of

3 Jun 2026

1,692 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	+0.03%	+0.03%	+0.01	3 / 27	Q1
1W	+0.23%	-3.38%	+3.60	4 / 28	Q1
2W	+0.23%	+0.19%	+0.03	5 / 27	Q1
1M	+0.31%	+0.31%	+0.00	15 / 27	Q3
3M	+1.51%	+1.58%	-0.07	12 / 27	Q2
6M	+2.81%	+3.00%	-0.19	22 / 27	Q4
YTD	+2.34%	+2.64%	-0.30	21 / 27	Q4
1Y	+5.97%	+2.55%	+3.42	24 / 28	Q4
2Y	+6.77%	+3.03%	+3.74	24 / 27	Q4
3Y	+6.93%	+7.07%	-0.15	23 / 26	Q4
4Y	+6.76%	+6.96%	-0.20	22 / 26	Q4
5Y	+6.18%	+6.42%	-0.24	20 / 25	Q4
7Y	+5.82%	+6.39%	-0.57	17 / 20	Q4
10Y	—	—	—	—	—
Inception	+5.83%	+2.98%	+2.85	25 / 28	Q4

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	+2.34%	+2.39%	-0.05	19 / 25
2025	+6.91%	+7.21%	-0.30	24 / 25
2024	+7.39%	+7.61%	-0.22	21 / 24
2023	+7.06%	+7.20%	-0.14	20 / 24
2022	+4.60%	+4.77%	-0.16	19 / 25
2021	+4.50%	+0.07%	+4.43	5 / 24
2020	+4.05%	+4.63%	-0.58	22 / 23
2019	—	—	—	—

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

+5.78%

73 windows

min 3.7% · max 7.7%

100% positive

3-Year rolling

+5.81%

49 windows

min 4.3% · max 7.2%

100% positive

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

5-Year rolling

+5.79%

25 windows

min 5.4% · max 6.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

0.32%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.07%

May 2026 → May 2026

% positive months

100.0%

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 Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Ultra Short Term Fund - Direct Plan-Growth Option	HDFC	₹16.3326	3 Jun 2026
Nippon India Ultra Short Duration Fund- Direct Plan- Growth Option	Nippon India	₹4,713.2064	3 Jun 2026
SBI ULTRA SHORT DURATION FUND - DIRECT PLAN - GROWTH	SBI	₹6,418.2058	3 Jun 2026
ICICI Prudential Ultra Short Term Fund - Direct Plan - Growth	ICICI Prudential	₹31.7072	3 Jun 2026
Invesco India Ultra Short Duration Fund - Direct Plan - Growth	Invesco	₹3,045.4367	3 Jun 2026
BANDHAN ULTRA SHORT DURATION FUND - DIRECT PLAN GROWTH	Bandhan	₹16.2708	3 Jun 2026
Aditya Birla Sun Life Savings Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹590.3559	3 Jun 2026
Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth	Motilal Oswal	₹18.3824	3 Jun 2026
Franklin India Ultra Short Duration Fund - Direct - Growth	Franklin India	₹11.2823	3 Jun 2026
Mirae Asset Ultra Short Duration Fund Direct Growth	Mirae Asset	₹1,398.9872	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,486.7953
2 Jun 2026	₹1,486.7205
1 Jun 2026	₹1,486.2143
29 May 2026	₹1,484.9811
27 May 2026	₹1,483.6698
26 May 2026	₹1,483.3783
25 May 2026	₹1,483.2504
22 May 2026	₹1,482.4831
21 May 2026	₹1,482.3081
20 May 2026	₹1,482.8474

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 Ultra Short Duration Fund- Direct plan-Growth Option is ₹1,486.7953. It's a Ultra Short Duration Fund from WhiteOak Capital, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option has NAV history starting from 10 Jun 2019, a track record of about 6 years 11 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option is managed by WhiteOak Capital. It's classified by AMFI under the 'Ultra Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option has delivered a absolute return of 5.97% — +3.42 pp ahead of the Ultra Short Duration Fund category average of 2.55%. The fund ranks #24 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option has delivered a CAGR of 6.93% — -0.15 pp behind the Ultra Short Duration Fund category average of 7.07%. The fund ranks #23 of 26 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option has delivered a CAGR of 6.18% — -0.24 pp behind the Ultra Short Duration Fund category average of 6.42%. The fund ranks #20 of 25 in its category — the bottom (Q4) quartile.

₹1 lakh invested in WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option exactly 5 years ago would be worth approximately ₹134,965 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.18%. The category average over the same window would have grown ₹1 lakh to ₹136,516.

A ₹10,000 monthly SIP in WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹709,512 today. That's an XIRR (money-weighted annualised return) of 6.64%.

WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹709,512 — XIRR 6.64%.

On a 5-year basis, WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option ranks #20 out of 25 funds in the Ultra Short Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.42%; this fund delivered 6.18%.

The worst peak-to-trough decline WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option has experienced over the last 5-year window is 0.16% — its NAV fell from a high on 02 May 2022 to a low on 11 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option averaged 5.79% (best 6.18%, worst 5.43%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.90 — negative risk-adjusted performance.

In calendar year 2025, WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option returned 6.91% — lagging the Ultra Short Duration Fund category average of 7.21% by 0.30 pp. It ranked #24 of 25 in its category that year.

WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.2%. 5-year CAGR: 6.18%.

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

WhiteOak Capital Ultra Short Duration Fund- Direct plan-Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Ultra Short Duration Fund

Recent NAVs

Frequently asked questions

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