WhiteOak Capital Mid Cap Fund SIP Calculator
Calculate historical returns and project future compounding for WhiteOak Mid Cap. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Mid Cap
AUM
₹7,485 Cr
Expense Ratio
0.95%
Fund Manager
Ramesh Mantri, Trupti Agarwal, Dheeresh Pathak
WhiteOak Mid Cap Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 20.4% CAGR | 5 Years @ 20.4% CAGR | 10 Years @ 20.4% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹49,957 Invested: ₹36,000 | ₹1,04,754 Invested: ₹60,000 | ₹3,93,202 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹1,24,892 Invested: ₹90,000 | ₹2,61,885 Invested: ₹1,50,000 | ₹9,83,005 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹2,49,785 Invested: ₹1,80,000 | ₹5,23,769 Invested: ₹3,00,000 | ₹19,66,010 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹4,99,569 Invested: ₹3,60,000 | ₹10,47,539 Invested: ₹6,00,000 | ₹39,32,021 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹12,48,923 Invested: ₹9,00,000 | ₹26,18,847 Invested: ₹15,00,000 | ₹98,30,052 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (20.43%), 5-year (20.43%), and 10-year (20.43%) performance data. Actual mutual fund returns fluctuate with market NAV.
About WhiteOak Capital Mid Cap Fund
A fast-growing mid cap fund from WhiteOak Capital, the new-age AMC founded by ex-Birla Sun Life CIO Prashant Khemka, delivering category-leading risk-adjusted returns.
Investment Strategy
Growth-at-reasonable-price investing with high-conviction mid cap picks — Phoenix Mills, Max Financial, Bharti Hexacom — led by CIO Ramesh Mantri's proven stock selection.
Key Facts
- Category-leading Sharpe ratio of ~1.1 since inception
- Led by Ramesh Mantri, WhiteOak's CIO with a 20+ year record
- Benchmark: BSE 150 MidCap TRI
- Expense ratio: 0.72% (Direct)
Historical Returns
3-Year CAGR
20.43%
5-Year CAGR
N/A
10-Year CAGR
N/A
Benchmark
BSE 150 MidCap TRI
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
Top Holdings & Sector Allocation
As of September 2026, WhiteOak Mid Cap's portfolio includes:
Top 5 Holdings
- Phoenix Mills
- Max Financial Services
- Bharti Hexacom
- Federal Bank
- Fortis Healthcare
Sector Allocation
Diversified quality mid caps — real estate (Phoenix Mills), financials (Max Financial, Federal Bank), telecom infrastructure (Bharti Hexacom) and healthcare (Fortis).
Risk & Drawdowns
Moderate mid cap volatility — annualized standard deviation ~15% — with the best Sharpe ratio (~1.1) in the mid cap category since inception.
The fund's deepest drawdown since its September 2022 launch is ~19% — remarkably shallow for a mid cap fund, a result of the quality-at-reasonable-price discipline.
Tax Treatment
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
Who Should NOT Invest in WhiteOak Mid Cap?
Investors who want track-record proof spanning a full bear market, or who prefer larger, more established mid cap franchises.
About the Fund Manager
Ramesh Mantri (WhiteOak's CIO, CFA, over 20 years of experience) has managed the fund since inception in 2022, with Trupti Agarwal and Dheeresh Pathak assisting.
Who Is This Fund Suitable For?
Suitable for aggressive long-term investors (7+ years) seeking high-quality mid cap exposure with one of the best risk-adjusted records in the category.
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Frequently Asked Questions About WhiteOak Mid Cap
What is the historical SIP return of WhiteOak Mid Cap?
Based on the latest data, WhiteOak Mid Cap has delivered an annualized return (CAGR) of 20.43% over 3 years, N/A over 5 years, and N/A over 10 years. The fund's deepest drawdown since its September 2022 launch is ~19% — remarkably shallow for a mid cap fund, a result of the quality-at-reasonable-price discipline.
How is WhiteOak Mid Cap SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ₹5,000 monthly SIP in WhiteOak Mid Cap generate over 5 years?
At an estimated annual return rate of 20.43%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹5,23,769 in 5 years, yielding an estimated wealth gain of ₹2,23,769. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in WhiteOak Mid Cap?
WhiteOak Mid Cap's top holdings include Phoenix Mills, Max Financial Services, Bharti Hexacom, and Federal Bank. The fund's sector allocation is Diversified quality mid caps — real estate (Phoenix Mills), financials (Max Financial, Federal Bank), telecom infrastructure (Bharti Hexacom) and healthcare (Fortis)..
What is the risk profile of WhiteOak Mid Cap?
Moderate mid cap volatility — annualized standard deviation ~15% — with the best Sharpe ratio (~1.1) in the mid cap category since inception. This fund may not be suitable for investors who want track-record proof spanning a full bear market, or who prefer larger, more established mid cap franchises..
What are the tax implications of investing in WhiteOak Mid Cap?
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
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