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WhiteOak Capital Banking & Financial Services Fund - NAV, Returns, Investment Guide 2025

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Explore WhiteOak Capital Banking & Financial Services Fund - Current NAV ₹12.71, minimum SIP ₹100, expense ratio details, fund manager information, and complete investment guide.

Investment Objective and Approach

The fund aims to provide long-term capital appreciation by investing predominantly in equity and equity related instruments of banks & companies engaged in Financial Services Sector. The category of WhiteOak Capital Banking & Financial Services Fund is Equity - Sectoral Fund - Banks & Financial Service.

WhiteOak Capital follows a performance-first investment philosophy built on four core pillars: stock selection-based philosophy, high calibre research team, disciplined analytical process, and balanced portfolio construction framework. The fund management believes in bottom-up stock selection philosophy - outsized returns are earned over time by investing in great businesses at attractive values.

The investment approach focuses on investing in great businesses at attractive values. A great business is one that is well managed, scalable, and generates superior returns on incremental capital. Valuation is attractive when the current market price is at a substantial discount to intrinsic value.

The fund's portfolio construction is driven by stock selection rather than betting on macro, with asset allocation of Stocks : 96.60%, Debt : 3.39% and Gold : 0% as of latest available data.

Fund Managers

Ashish Agrawal serves as the Current Fund Manager of WhiteOak Capital Banking & Financial Services Fund. Agrawal brings significant experience in equity research and fund management.

Trupti Agrawal also manages the fund alongside Ashish. Trupti Agrawal, a Chartered Accountant and a Commerce graduate from Osmania University, is an Investment Analyst at WhiteOak Capital Mutual Fund. With 15 years of experience, she has worked at L&T Infrastructure Finance Co. Ltd. and Ernst & Young, and also ran her own ecommerce venture.

Ramesh Mantri is another fund manager associated with the scheme. Mr. Mantri is an MBA, CFA and CA and has worked with various financial institutions before joining WhiteOak Capital.

The fund management team operates under WhiteOak's philosophy to believe in "The Art and Science of Investing," with a team of 35 investment professionals and processes regulated by our trademark OpcoFincoTM Model.

About the Fund House (AMC)

WhiteOak Capital Asset Management Limited was established as a mutual fund company with strong institutional backing. WhiteOak Capital Management is an investment management and advisory firm established by Mr. Prashant Khemka in June 2017, envisioning a performance-centric organization with a strong investment culture. With operations across India, Singapore, Mauritius, the UK, and Switzerland, White Oak Capital has attracted among the largest Foreign Portfolio Investment inflows into India over the last three years.

Key Facts about WhiteOak Capital AMC:

- AUM: AUM ₹13,160.74 Cr as per Angel One data

- Total Schemes: 28 schemes across various categories

- Leadership: The company is led by its CEO Aashish P Somaiyaa

- Global Presence: White Oak group entities collectively have Assets Under Management (AUM) of 9.77 Billion USD/85,576 CR INR as of July 2025 with a global client base that includes sovereign wealth funds, pension plans, endowments, individuals and family offices

- Investment Philosophy: The motto of WhiteOak Capital Asset Management Limited is 'Experience our Expertise'. It strives to combine investor's interests and the company's relentless endeavours to provide the optimum solution

The fund house emphasizes performance-first investment culture founded upon stock selection-based philosophy, high calibre research team, disciplined analytical process, and balanced portfolio construction framework.

Should I Invest in WhiteOak Capital Banking & Financial Services Fund?

Key Investment Metrics (as of latest available data):

- Current NAV: ₹12.71 as of 20 Jun 2025

- AUM: ₹21,189 Cr (Direct plan) / 282.29 crore (Regular plan)

- Risk Rating: Very High risk

- Minimum SIP: ₹100

- Minimum Lumpsum: ₹500

- Exit Load: 1%, if redeemed within 1 month

- Expense Ratio: 0.67% (Direct), 2.37% (Regular)

Investment Considerations:

Suitable For:

- Investors seeking exposure to banking and financial services sector

- Those with high risk tolerance given the sectoral concentration

- Long-term wealth creation through equity investments

- Investors comfortable with sector-specific volatility

Key Risks:

- High concentration in banking and financial services sector

- Very High risk rating due to sectoral focus

- Performance highly dependent on banking sector performance

Fund Performance Notes:

The fund has delivered a CAGR of 18.23 since inception as per Angel One data. However, It is better to invest in a fund with a longer track record as WhiteOak Capital Banking & Financial Services Fund cannot be assessed for consistency of out-performance. However, funds returns unlikely to be different than its benchmark Nifty Financial Services, as the Funds portfolio is similar to its benchmark.

The fund was launched on 03 Jul 2018 and represents a relatively newer offering in the banking sector fund category.

FAQs

What is today's NAV of WhiteOak Capital Banking & Financial Services Fund?

The current NAV varies between regular and direct plans. The latest available NAVs are approximately ₹11-12 range, updated daily on the fund house website and financial platforms.

What is the AUM of WhiteOak Capital Banking & Financial Services Fund?

The fund has an AUM of approximately ₹282-21,189 crores depending on the plan variant, as per latest available data from various financial platforms.

What is the expense ratio of WhiteOak Capital Banking & Financial Services Fund?

The expense ratio is 0.67% for the direct plan and 2.37% for the regular plan, making the direct plan more cost-effective for investors.

What are the returns of WhiteOak Capital Banking & Financial Services Fund since inception?

The fund has delivered a CAGR of approximately 18.23% since inception, though performance may vary and past performance doesn't guarantee future returns.

What is the minimum SIP amount to invest in WhiteOak Capital Banking & Financial Services Fund?

The minimum SIP amount is ₹100 per month, making it accessible for retail investors to start systematic investing.

How do I invest in WhiteOak Capital Banking & Financial Services Fund?

You can invest through Allvest's platform, directly through WhiteOak Capital's website, or through other registered mutual fund distributors and online platforms.

How to start a SIP in WhiteOak Capital Banking & Financial Services Fund?

Register with Allvest, complete your KYC, select the fund, choose SIP amount (minimum ₹100), set the date, and authorize the auto-debit mandate for seamless investing.

How do I automate an SIP in WhiteOak Capital Banking & Financial Services Fund?

Set up a bank mandate through Allvest's platform or the fund house website, which will automatically deduct the SIP amount monthly from your registered bank account.

How can I withdraw/redeem my investment in WhiteOak Capital Banking & Financial Services Fund?

You can redeem through Allvest's platform, fund house website, or distributor by submitting a redemption request. Note the exit load of 1% if redeemed within 1 month.