WhiteOak Capital Liquid

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1–3 yearsInvestment Horizon

HNI,MATarget Segments

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What This Strategy Does

WhiteOak Capital Liquid Reg Gr is a Liquid fund which captures India's ₹30 trillion money market opportunity through active cash management, deploying capital across corporate and government debt to achieve benchmark-aligned compounding.

CW Expert Research Notes

Consistent Outperformance

The strategy has demonstrated resilient benchmark-relative behavior, outperforming in 1 of the past 12 years, highlighting its ability to deliver consistent outcomes across market cycles.

Liquidity-Focused Positioning

With a substantial 70.32% allocation to cash and equivalents, the strategy's construction reflects a differentiated emphasis on preserving liquidity compared to peers.

Defensive Risk Profile

Exhibiting a low beta of 1.72 and volatility of 0.66, the strategy's risk behavior suggests a potential portfolio role as a defensive, low-volatility holding.

Performance and Risk Analysis

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

Risk Profile

Standard Deviation0.2%

Sharpe Ratio2.56

Beta1.72

Upside Capture100%

Detailed Risks

Market Risk

Potential recession in India could dampen corporate earnings and liquidity demand.

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 liquidity and capital preservation through investments in high-quality money market instruments and debt securities. The fund aims to generate stable returns by actively managing a portfolio of short-term fixed income instruments, balancing yield potential with low credit and interest rate risk.

Broader Market View

Market Outlook

The global economy faces headwinds from elevated inflation and tighter monetary policies. However, opportunities exist in sectors poised to benefit from secular trends like digitalization and sustainability.

Why This Strategy is Attractive Now

This strategy aims to capitalize on long-term structural growth drivers while mitigating risks through diversification. Its focus on quality companies with sustainable competitive advantages could provide resilience during market volatility.

Investment Style & Process

Investment Style

The portfolio exhibits characteristics of a Quality Growth strategy, emphasizing companies with durable competitive advantages, consistent earnings growth, and reasonable valuations.

Why it Makes Sense

In the current environment of moderating economic growth and elevated uncertainty, a Quality Growth approach focused on resilient business models and prudent capital allocation appears well-positioned.

High-Level Investment Process

Sourcing: The strategy appears to source investment ideas from a broad universe of companies across market capitalizations, with a focus on those demonstrating sustainable competitive advantages and attractive growth prospects. Selection: The selection process suggests an emphasis on companies with strong fundamentals, including consistent profitability, healthy balance sheets, and capable management teams, while maintaining valuation discipline. Construction: Portfolio construction is consistent with a diversified, conviction-weighted approach, with position sizes reflecting the manager's degree of confidence in each holding's long-term prospects.

Portfolio Holdings Overview

SectoralAllocation

Financial Services100%

Top Stock Holdings

CompanySectorAllocation

Export-Import Bank Of IndiaUtilities9.48%

Power Finance Corporation Limited (09/12/2026) **Utilities6.33%

India (Republic of)Utilities6.06%

Kotak Securities LtdUtilities5.58%

HDFC Bank Ltd.Utilities4.10%

Clearing Corporation Of India LtdUtilities3.93%

Ultratech Cement LimitedUtilities3.21%

Union Bank of IndiaUtilities3.21%

Small Industries Development Bank Of IndiaUtilities3.20%

Titan Company LimitedUtilities3.19%

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.

CW Expert Take

WhiteOak Capital brings institutional discipline to liquid fund management. Their investment philosophy emphasizes capital preservation and liquidity through rigorous credit assessment and portfolio construction. The fund house maintains a conservative risk profile, investing primarily in high-quality money market instruments and short-term debt securities. Their strength lies in active management of portfolio duration and yield curve positioning to generate consistent returns.

19 years

Combined Team Experience

₹ 11,733 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 practices and processes.

Long-Term Perspective

WhiteOak Capital maintains a long-term perspective in its investment decisions.

Operational & Regulatory Details

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

Costs and Fees

Total Expense Ratio (TER)0.23%

Exit Load0.007%

Regulatory & Tax Information

INF03VN01126

ISIN

DailyDealing Frequency

CRISIL Liquid Debt TR INRBenchmark

Capital Gain Tax | Taxed as per Income Tax Slab

Tax Implications (India)