Should I invest in WhiteOak Capital Ultra Short Duration Fund?

We don't give personal investment advice. WhiteOak Capital Ultra Short Duration Fund- Regular 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: 5.57%.

WhiteOak Capital

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

Latest NAV

₹1,429.2670

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%	+0.02%	+0.01	2 / 13	Q1
1W	+0.22%	+0.19%	+0.03	4 / 13	Q2
2W	+0.21%	+0.18%	+0.03	3 / 13	Q1
1M	+0.27%	+0.28%	-0.01	7 / 13	Q3
3M	+1.38%	+1.34%	+0.04	8 / 13	Q3
6M	+2.54%	+2.56%	-0.02	10 / 13	Q4
YTD	+2.12%	+2.05%	+0.07	10 / 13	Q4
1Y	+5.41%	+5.48%	-0.07	9 / 13	Q3
2Y	+6.21%	+6.29%	-0.08	10 / 13	Q4
3Y	+6.34%	+6.62%	-0.28	10 / 13	Q4
4Y	+6.15%	+6.45%	-0.30	10 / 13	Q4
5Y	+5.57%	+5.79%	-0.22	10 / 13	Q4
7Y	+5.22%	+5.49%	-0.27	6 / 7	Q4
10Y	—	—	—	—	—
Inception	+5.24%	+5.75%	-0.51	11 / 13	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	+2.12%	+2.21%	-0.09	10 / 12
2025	+6.34%	+6.58%	-0.24	10 / 12
2024	+6.83%	+7.04%	-0.21	10 / 12
2023	+6.38%	+6.60%	-0.22	9 / 12
2022	+3.90%	+3.92%	-0.02	10 / 13
2021	+3.98%	+3.28%	+0.71	1 / 12
2020	+3.54%	+4.97%	-1.43	10 / 10
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

+5.19%

73 windows

min 3.0% · max 7.2%

100% positive

3-Year rolling

+5.19%

49 windows

min 3.7% · max 6.6%

100% positive

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

5-Year rolling

+5.18%

25 windows

min 4.8% · max 5.6%

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

-0.09%

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
Invesco India Ultra Short Duration Fund - Regular Plan - Growth	Invesco	₹2,839.8271	3 Jun 2026
BANDHAN ULTRA SHORT DURATION FUND - REGULAR PLAN GROWTH	Bandhan	₹16.0457	3 Jun 2026
Motilal Oswal Ultra Short Term Fund (MOFUSTF)-Regular Plan- Growth	Motilal Oswal	₹17.2295	3 Jun 2026
Mirae Asset Ultra Short Duration Fund Regular Growth	Mirae Asset	₹1,380.8494	3 Jun 2026
HSBC Ultra Short Duration Fund - Regular Growth	HSBC	₹1,428.3776	3 Jun 2026
Baroda BNP Paribas Ultra Short Duration Fund - Regular Plan - Growth	Baroda BNP Paribas	₹1,627.5671	3 Jun 2026
Axis Ultra Short Duration Fund - Regular Plan Growth	Axis	₹15.4712	3 Jun 2026
ITI Ultra Short Duration Fund - Regular Plan - Growth Option	ITI	₹1,297.5221	3 Jun 2026
LIC MF Ultra Short Duration Fund-Regular Plan-Growth	LIC	₹1,387.5299	3 Jun 2026
Mahindra Manulife Ultra Short Duration Fund - Regular Plan - Growth	Mahindra Manulife	₹1,449.9287	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,429.2670
2 Jun 2026	₹1,429.2161
1 Jun 2026	₹1,428.7503
29 May 2026	₹1,427.6273
27 May 2026	₹1,426.4083
26 May 2026	₹1,426.1489
25 May 2026	₹1,426.0468
22 May 2026	₹1,425.3714
21 May 2026	₹1,425.2236
20 May 2026	₹1,425.7629

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- Regular plan-Growth Option is ₹1,429.2670. It's a Ultra Short Duration Fund from WhiteOak Capital, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

WhiteOak Capital Ultra Short Duration Fund- Regular 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- Regular 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- Regular plan-Growth Option has delivered a absolute return of 5.41% — -0.07 pp behind the Ultra Short Duration Fund category average of 5.48%. The fund ranks #9 of 13 in its category — the third (Q3) quartile.

Over the trailing 3-year window, WhiteOak Capital Ultra Short Duration Fund- Regular plan-Growth Option has delivered a CAGR of 6.34% — -0.28 pp behind the Ultra Short Duration Fund category average of 6.62%. The fund ranks #10 of 13 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, WhiteOak Capital Ultra Short Duration Fund- Regular plan-Growth Option has delivered a CAGR of 5.57% — -0.22 pp behind the Ultra Short Duration Fund category average of 5.79%. The fund ranks #10 of 13 in its category — the bottom (Q4) quartile.

₹1 lakh invested in WhiteOak Capital Ultra Short Duration Fund- Regular plan-Growth Option exactly 5 years ago would be worth approximately ₹131,115 today — a multiplier of 1.31×, based on the 5-year CAGR of 5.57%. The category average over the same window would have grown ₹1 lakh to ₹132,482.

A ₹10,000 monthly SIP in WhiteOak Capital Ultra Short Duration Fund- Regular plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹698,951 today. That's an XIRR (money-weighted annualised return) of 6.04%.

WhiteOak Capital Ultra Short Duration Fund- Regular 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 ₹698,951 — XIRR 6.04%.

On a 5-year basis, WhiteOak Capital Ultra Short Duration Fund- Regular plan-Growth Option ranks #10 out of 13 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 5.79%; this fund delivered 5.57%.

The worst peak-to-trough decline WhiteOak Capital Ultra Short Duration Fund- Regular plan-Growth Option has experienced over the last 5-year window is 0.17% — 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- Regular plan-Growth Option averaged 5.18% (best 5.57%, worst 4.82%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.96 — negative risk-adjusted performance.

In calendar year 2025, WhiteOak Capital Ultra Short Duration Fund- Regular plan-Growth Option returned 6.34% — lagging the Ultra Short Duration Fund category average of 6.58% by 0.24 pp. It ranked #10 of 12 in its category that year.

WhiteOak Capital Ultra Short Duration Fund- Regular 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- Regular 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: 5.57%.

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- Regular 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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