WhiteOak Capital Balanced Hybrid

All Cap

Diversified

Hybrid

India Multi Asset

Others

Emotionally driven

Investor Profile

4–7 yearsInvestment Horizon

HNI, UHNI, Retail Investor, Mass AffluentTarget Segments

SEBI registered equity mutual fund suitable for all investor categoriesRegulatory Fit

Whiteoak Capital Balanced Hybrid Fund Growth mixes stocks and bonds for balanced growth and stability.

What This Strategy Does

WhiteOak Capital Balanced Hybrid Reg Gr is an equity flexi-cap fund which captures India's ₹30 trillion balanced investment opportunity through active asset allocation, deploying capital across financials, industrials, and consumer sectors to achieve broad-based earnings growth.

CW Expert Research Notes

Resilient Outcomes

WhiteOak Capital Balanced Hybrid Reg Gr has demonstrated resilience by outperforming its benchmark in 2 out of the past 12 years, suggesting consistent participation in market upside while providing downside protection.

Differentiated Construction

The fund's positioning reflects a bias towards large-cap financials and consumer cyclicals, with representative holdings like HDFC Bank and Reliance Industries, expressing conviction in India's structural growth drivers.

Balanced Risk Profile

With a beta of 1.16 and volatility of 10.8%, the fund aims to capture equity upside while moderating risk through its 37.9% allocation to bonds, positioning it as a core balanced holding.

Performance and Risk Analysis

Historical returns, volatility patterns, and how this fund has performed relative to its benchmark.

Fund Performance

1.1% AnnuallyAlpha

+0.0% vs +0.0% benchmarkSince Inception

+0.0% vs +0.0% benchmark3Y Annualized

+0.0% vs +0.0% benchmark5Y Annualized

WhiteOak Capital Balanced Hybrid

Benchmark Index

Benchmark Performance Comparison

Whiteoak Capital Balanced Hybrid Fund

NIFTY 50 + FD Returns

Given the product’s limited performance history, the assessment considers the fund house’s track record and the historical performance of comparable strategies managed by the same fund house, which follow similar investment approaches. Such comparisons provide historical context only and do not represent the performance of the new product or indicate its future returns.

Risk Profile

Standard Deviation9.9%

Maximum Drawdown-7.5% | Oct 2024

Sharpe Ratio-0.34

Beta0.96

Upside Capture98%

Detailed Risks

Market Risk

Potential recession driven by slowing global growth could undermine equity returns, mitigated by balanced allocation.

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

Strategy Details

A closer look at the investment thesis, portfolio construction, and current holdings.

Core Investment Theme

Provides balanced exposure to India's equity and fixed income markets, aiming to generate steady returns with moderate risk. This multi-asset approach dynamically allocates between growth opportunities in equities and stability from bonds, translating into smoother performance across market cycles. The impact is a diversified portfolio designed for long-term wealth creation with reduced volatility compared to pure equity strategies.

Broader Market View

Market Outlook

The global economy faces headwinds from elevated inflation and tightening monetary policies, creating opportunities in strategies focused on quality companies with pricing power and resilient cash flows.

Why This Strategy is Attractive Now

This strategy aims to capitalize on long-term structural trends by investing in companies well-positioned to benefit from secular growth drivers, potentially offering attractive risk-adjusted returns.

Investment Style & Process

Investment Style

The portfolio exhibits characteristics of a Quality Growth approach, emphasizing companies with durable competitive advantages, consistent earnings growth, and reasonable valuations across large and mid-cap market segments.

Why it Makes Sense

In the current environment of moderating economic growth and elevated uncertainty, a Quality Growth strategy focused on companies with pricing power, recurring revenues, and strong balance sheets may provide a degree of defensiveness while participating in secular growth opportunities.

High-Level Investment Process

Sourcing: The strategy appears to source investment ideas through a combination of quantitative screening for quality metrics like high returns on capital, stable earnings, and low financial leverage, complemented by fundamental research into long-term competitive positioning and growth runways. Selection: The selection process suggests a preference for companies operating in industries with high barriers to entry, sustainable competitive advantages, proven management execution, and reasonable valuations relative to growth prospects and quality characteristics. Construction: Portfolio construction is consistent with a multi-capitalization core approach, maintaining exposure across sectors while limiting outsized sector overweights. The strategy emphasizes prudent diversification with a focus on limiting unintended factor exposures.

Portfolio Holdings Overview

SectoralAllocation

Utilities2.18%

Technology7.1%

Consumers19.04%

Services12.07%

Energy & Infra11.55%

Financial Services33.83%

Capital Goods14.25%

Geographic Allocation

Domestic100%

Top Stock Holdings

CompanySectorAllocation

ICICI Bank LtdFinancial Services5.21%

Bajaj Finance LimitedUtilities3.39%

Clearing Corporation Of India LtdUtilities3.38%

HDFC Bank LtdFinancial Services2.75%

Net Receivables / (Payables)Utilities2.66%

LIC Housing Finance LtdUtilities2.37%

Bharti Airtel LtdServices2.36%

Nexus Select Trust ReitsEnergy & Infra2.06%

6.94% Govt Stock 2036Utilities2.03%

Nestle India LtdConsumers1.78%

Fund House Management

The asset management company’s track record, AUM scale, and fund manager credentials.

Fund Manager Track Record

Piyush Baranwal

Lead Portfolio Manager

Mr. Piyush Baranwal has experience of 19 years. Manages 92 funds at WhiteOak Capital Asset Management Limited with an AUM of approximately ₹11,733 Cr Holds a PGDBM degree.

Ramesh Mantri

Co-Portfolio Manager

Mr. Ramesh Mantri has experience of 24 years. Manages 58 funds at WhiteOak Capital Asset Management Limited with an AUM of approximately ₹11,159 Cr Holds a M.B.A. degree.

Ashish Agrawal

Co-Portfolio Manager

Ashish Agrawal has experience of 2 years. Manages 56 funds at WhiteOak Capital Asset Management Limited with an AUM of approximately ₹11,159 Cr

Trupti Agrawal

Co-Portfolio Manager

Trupti Agrawal has experience of 4 years. Manages 56 funds at WhiteOak Capital Asset Management Limited with an AUM of approximately ₹11,159 Cr

Dheeresh Pathak

Co-Portfolio Manager

Mr. Dheeresh Pathak has experience of 20 years. Manages 56 funds at WhiteOak Capital Asset Management Limited with an AUM of approximately ₹11,159 Cr Holds a B.Com degree.

Ramesh Mantri

Co-Portfolio Manager

Mr. Ramesh Mantri has experience of 24 years. Manages 58 funds at WhiteOak Capital Asset Management Limited with an AUM of approximately ₹11,159 Cr Holds a M.B.A. degree.

Ashish Agrawal

Co-Portfolio Manager

Ashish Agrawal has experience of 2 years. Manages 56 funds at WhiteOak Capital Asset Management Limited with an AUM of approximately ₹11,159 Cr

Trupti Agrawal

Co-Portfolio Manager

Trupti Agrawal has experience of 4 years. Manages 56 funds at WhiteOak Capital Asset Management Limited with an AUM of approximately ₹11,159 Cr

Dheeresh Pathak

Co-Portfolio Manager

Mr. Dheeresh Pathak has experience of 20 years. Manages 56 funds at WhiteOak Capital Asset Management Limited with an AUM of approximately ₹11,159 Cr Holds a B.Com degree.

CW Expert Take

WhiteOak Capital brings institutional rigour to balanced investing. Their investment philosophy emphasizes process consistency across asset classes, maintaining disciplined frameworks that have weathered market cycles. The fund house benefits from strong research capabilities and a stable team that translates macro insights into portfolio positioning across equity and debt strategies.

68 years

Combined Team Experience

₹ 56,369 Cr

Assets Under Management

Firm Overview

AMCWhiteOak Capital Asset Management Limited

Total AUM₹29,798.08 Cr

Investment Philosophy & Approach

Disciplined Approach

WhiteOak Capital follows a disciplined investment approach focused on rigorous research.

Risk Management

The fund house emphasizes robust risk management through diversification and downside protection.

Long-Term Perspective

WhiteOak Capital maintains a long-term perspective in portfolio construction and capital allocation.

Operational & Regulatory Details

What it costs to invest, transaction mechanics, and regulatory disclosures you should know.

Costs and Fees

Total Expense Ratio (TER)2.26%

Exit Load1%

Regulatory & Tax Information

INF03VN01811

ISIN

DailyDealing Frequency

CRISIL Hybrid 50+50 Moderate TR INRBenchmark

LTCG | >1Year 12.5%% on gain above 1.25 Lakh

STCG | <1Year 20%%

Tax Implications (India)