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WhiteOak Capital Equity Savings Fund Direct Growth
HybridEquity SavingsModerately High risk
Direct
NAV (20-Mar-26)
₹11.17-0.02%1D
Returns (Since Inception)
11.45%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹242 Cr
Expense Ratio
0.78%
ISIN
INF03VN01AB7
Minimum SIP
₹500
Exit Load
No Charges
Inception Date
12 Mar 2025
About this fund
WhiteOak Capital Equity Savings Fund Direct Growth is a Equity Savings mutual fund schemes offered by WhiteOak Capital Mutual Fund. This fund has been in existence for 1 years and 11 days, having been launched on 12-Mar-25.
As of 20-Mar-26, it has a Net Asset Value (NAV) of ₹11.17, Assets Under Management (AUM) of 242.05 Crores, and an expense ratio of 0.78%.
As of 20-Mar-26, it has a Net Asset Value (NAV) of ₹11.17, Assets Under Management (AUM) of 242.05 Crores, and an expense ratio of 0.78%.
- WhiteOak Capital Equity Savings Fund Direct Growth has given a CAGR return of 11.45% since inception.
- The fund's asset allocation comprises around 36.00% in equities, 18.12% in debts, and 45.89% in cash & cash equivalents.
- You can start investing in WhiteOak Capital Equity Savings Fund Direct Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+10.34%
+4.90% (Cat Avg.)
Since Inception
+11.45%
— (Cat Avg.)
Portfolio Summaryas of 28th February 2026
| Equity | ₹87.13 Cr | 36.00% |
| Debt | ₹43.85 Cr | 18.12% |
| Others | ₹111.07 Cr | 45.89% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Cash Offset For Derivatives | Cash - General Offset | ₹94.76 Cr | 39.15% |
| HDFC Bank Ltd | Equity | ₹18.43 Cr | 7.61% |
| 6.28% Gs 2032 | Bond - Gov't/Treasury | ₹14.31 Cr | 5.91% |
| Clearing Corporation Of India Ltd | Cash - Repurchase Agreement | ₹13.93 Cr | 5.75% |
| Future on HDFC Bank Ltd | Equity - Future | ₹-13.23 Cr | 5.46% |
| ICICI Bank Ltd | Equity | ₹10.9 Cr | 4.50% |
| 6.01% Gs 2030 | Bond - Gov't/Treasury | ₹6.44 Cr | 2.66% |
| Nexus Select Trust Reits | Equity - REIT | ₹5.92 Cr | 2.45% |
| Future on Vodafone Idea Ltd | Equity - Future | ₹-5.85 Cr | 2.42% |
| Vodafone Idea Ltd | Equity | ₹5.83 Cr | 2.41% |
| 6.68% Gs 2040 | Bond - Gov't/Treasury | ₹5.8 Cr | 2.40% |
| Future on TVS Motor Co Ltd | Equity - Future | ₹-5.65 Cr | 2.33% |
| TVS Motor Co Ltd | Equity | ₹5.62 Cr | 2.32% |
| Kotak Mahindra Bank Ltd | Equity | ₹5.49 Cr | 2.27% |
| Reliance Industries Ltd | Equity | ₹5.29 Cr | 2.18% |
| HCL Technologies Ltd | Equity | ₹5.15 Cr | 2.13% |
| Future on ICICI Bank Ltd | Equity - Future | ₹-5.15 Cr | 2.13% |
| Future on HCL Technologies Ltd | Equity - Future | ₹-5.14 Cr | 2.12% |
| 6.33% Gs 2035 | Bond - Gov't/Treasury | ₹5.04 Cr | 2.08% |
| Embassy Office Parks REIT | Equity - REIT | ₹4.74 Cr | 1.96% |
| IndiGrid Infrastructure Trust Units Series - IV | Equity | ₹4.58 Cr | 1.89% |
| Future on Coforge Ltd | Equity - Future | ₹-4.2 Cr | 1.74% |
| Mahindra & Mahindra Ltd | Equity | ₹3.98 Cr | 1.65% |
| Infosys Ltd | Equity | ₹3.96 Cr | 1.64% |
| Eternal Ltd | Equity | ₹3.62 Cr | 1.50% |
| Future on Kotak Mahindra Bank Ltd | Equity - Future | ₹-3.59 Cr | 1.48% |
| Cigniti Technologies Ltd | Equity | ₹3.53 Cr | 1.46% |
| National Highways Infra Trust Units | Equity - REIT | ₹3.49 Cr | 1.44% |
| Muthoot Finance Ltd | Equity | ₹3.48 Cr | 1.44% |
| Brookfield India Real Estate Trust | Equity - REIT | ₹3.44 Cr | 1.42% |
| State Bank of India | Equity | ₹3.42 Cr | 1.41% |
| Future on Reliance Industries Ltd | Equity - Future | ₹-3.36 Cr | 1.39% |
| Maruti Suzuki India Ltd | Equity | ₹3.34 Cr | 1.38% |
| Future on Cummins India Ltd | Equity - Future | ₹-3.25 Cr | 1.34% |
| Cummins India Ltd | Equity | ₹3.23 Cr | 1.34% |
| Bajaj Finserv Ltd | Equity | ₹3.1 Cr | 1.28% |
| Infosys Limited | Equity - Future | ₹-3.03 Cr | 1.25% |
| Future on HDFC Life Insurance Co Ltd | Equity - Future | ₹-2.85 Cr | 1.18% |
| HDFC Life Insurance Co Ltd | Equity | ₹2.83 Cr | 1.17% |
| Blue Star Limited | Equity - Future | ₹-2.72 Cr | 1.12% |
| Blue Star Ltd | Equity | ₹2.71 Cr | 1.12% |
| Future on Muthoot Finance Ltd | Equity - Future | ₹-2.68 Cr | 1.11% |
| Future on Bajaj Finserv Ltd | Equity - Future | ₹-2.35 Cr | 0.97% |
| Bharti Airtel Ltd | Equity | ₹2.33 Cr | 0.96% |
| Nifty | Equity - Future | ₹2.31 Cr | 0.95% |
| Angel One Limited | Equity - Future | ₹-2.22 Cr | 0.92% |
| Angel One Ltd Ordinary Shares | Equity | ₹2.22 Cr | 0.92% |
| Future on Steel Authority Of India Ltd | Equity - Future | ₹-2.11 Cr | 0.87% |
| Steel Authority Of India Ltd | Equity | ₹2.1 Cr | 0.87% |
| Future on Eternal Ltd | Equity - Future | ₹-2.1 Cr | 0.87% |
| Net Receivables / (Payables) | Cash - Collateral | ₹2.08 Cr | 0.86% |
| 7.02% Gs 2031 | Bond - Gov't/Treasury | ₹2.06 Cr | 0.85% |
| SBI Life Insurance Co Ltd | Equity | ₹2.04 Cr | 0.84% |
| Future on AU Small Finance Bank Ltd | Equity - Future | ₹-2.02 Cr | 0.83% |
| AU Small Finance Bank Ltd | Equity | ₹2.01 Cr | 0.83% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹2.01 Cr | 0.83% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹2.01 Cr | 0.83% |
| Bajaj Finance Limited | Bond - Corporate Bond | ₹2 Cr | 0.83% |
| Future on Coal India Ltd | Equity - Future | ₹-1.99 Cr | 0.82% |
| Coal India Ltd | Equity | ₹1.98 Cr | 0.82% |
| Bharat Electronics Ltd | Equity | ₹1.94 Cr | 0.80% |
| Bharti Airtel Ltd (Partly Paid Rs.1.25) | Equity | ₹1.93 Cr | 0.80% |
| Nestle India Ltd | Equity | ₹1.9 Cr | 0.79% |
| Future on Power Grid Corp Of India Ltd | Equity - Future | ₹-1.88 Cr | 0.78% |
| Power Grid Corp Of India Ltd | Equity | ₹1.87 Cr | 0.77% |
| Future on Bharti Airtel Ltd | Equity - Future | ₹-1.8 Cr | 0.74% |
| Future on Adani Enterprises Ltd | Equity - Future | ₹-1.75 Cr | 0.72% |
| Future on Mahindra & Mahindra Ltd | Equity - Future | ₹-1.71 Cr | 0.71% |
| Hindalco Industries Ltd | Equity | ₹1.69 Cr | 0.70% |
| Vertis Infrastructure Trust Unit | Equity - REIT | ₹1.64 Cr | 0.68% |
| Future on Maruti Suzuki India Ltd | Equity - Future | ₹-1.57 Cr | 0.65% |
| Titan Co Ltd | Equity | ₹1.53 Cr | 0.63% |
| Future on SBI Life Insurance Co Ltd | Equity - Future | ₹-1.46 Cr | 0.60% |
| Future on State Bank of India | Equity - Future | ₹-1.45 Cr | 0.60% |
| PNB Housing Finance Ltd | Equity | ₹1.44 Cr | 0.59% |
| Adani Enterprises Ltd Ordinary Shares (Partly Paid Rs.0.75) | Equity | ₹1.38 Cr | 0.57% |
| Future on Biocon Ltd | Equity - Future | ₹-1.37 Cr | 0.57% |
| Biocon Ltd | Equity | ₹1.36 Cr | 0.56% |
| Future on Page Industries Ltd | Equity - Future | ₹-1.35 Cr | 0.56% |
| Page Industries Ltd | Equity | ₹1.35 Cr | 0.56% |
| Future on Grasim Industries Ltd | Equity - Future | ₹-1.34 Cr | 0.55% |
| Grasim Industries Ltd | Equity | ₹1.33 Cr | 0.55% |
| CG Power & Industrial Solutions Ltd | Equity | ₹1.31 Cr | 0.54% |
| J.B. Chemicals & Pharmaceuticals Ltd | Equity | ₹1.3 Cr | 0.54% |
| Coforge Ltd | Equity | ₹1.3 Cr | 0.54% |
| Future on PNB Housing Finance Ltd | Equity - Future | ₹-1.24 Cr | 0.51% |
| 6.48% Gs 2035 | Bond - Gov't/Treasury | ₹1.18 Cr | 0.49% |
| Larsen & Toubro Ltd | Equity | ₹1.16 Cr | 0.48% |
| Tata Steel Ltd | Equity | ₹1.15 Cr | 0.48% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹1.01 Cr | 0.42% |
| Bajaj Finance Limited | Bond - Corporate Bond | ₹0.99 Cr | 0.41% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹0.98 Cr | 0.41% |
| Persistent Systems Ltd | Equity | ₹0.88 Cr | 0.36% |
| Future on SRF Ltd | Equity - Future | ₹-0.88 Cr | 0.36% |
| SRF Ltd | Equity | ₹0.87 Cr | 0.36% |
| KPIT Technologies Ltd | Equity | ₹0.84 Cr | 0.35% |
| Future on KPIT Technologies Ltd | Equity - Future | ₹-0.82 Cr | 0.34% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹0.82 Cr | 0.34% |
| Max Financial Services Ltd | Equity | ₹0.8 Cr | 0.33% |
| Future on Apollo Hospitals Enterprise Ltd | Equity - Future | ₹-0.78 Cr | 0.32% |
| Apollo Hospitals Enterprise Ltd | Equity | ₹0.78 Cr | 0.32% |
| Future on Hindalco Industries Ltd | Equity - Future | ₹-0.78 Cr | 0.32% |
| InterGlobe Aviation Ltd | Equity | ₹0.75 Cr | 0.31% |
| Cipla Ltd | Equity | ₹0.74 Cr | 0.31% |
| Future on CG Power & Industrial Solutions Ltd | Equity - Future | ₹-0.74 Cr | 0.31% |
| Future on Jio Financial Services Ltd | Equity - Future | ₹-0.72 Cr | 0.30% |
| Jio Financial Services Ltd | Equity | ₹0.72 Cr | 0.30% |
| Vedanta Ltd | Equity | ₹0.68 Cr | 0.28% |
| NTPC Ltd | Equity | ₹0.66 Cr | 0.27% |
| Oil & Natural Gas Corp Ltd | Equity | ₹0.66 Cr | 0.27% |
| Godrej Consumer Products Ltd | Equity | ₹0.64 Cr | 0.26% |
| Bajaj Finance Ltd | Equity | ₹0.64 Cr | 0.26% |
| ICICI Prudential Asset Management Co Ltd | Equity | ₹0.6 Cr | 0.25% |
| Ambuja Cements Ltd | Equity | ₹0.58 Cr | 0.24% |
| Tata Consultancy Services Ltd | Equity | ₹0.57 Cr | 0.23% |
| Bank Nifty Index | Equity - Future | ₹0.55 Cr | 0.23% |
| Asian Paints Ltd | Equity | ₹0.53 Cr | 0.22% |
| LTIMindtree Ltd | Equity | ₹0.51 Cr | 0.21% |
| Aadhar Housing Finance Ltd | Equity | ₹0.49 Cr | 0.20% |
| Pidilite Industries Ltd | Equity | ₹0.46 Cr | 0.19% |
| Phoenix Mills Ltd | Equity | ₹0.45 Cr | 0.18% |
| Power Finance Corp Ltd | Equity | ₹0.44 Cr | 0.18% |
| Aditya Infotech Ltd | Equity | ₹0.44 Cr | 0.18% |
| Torrent Pharmaceuticals Ltd | Equity | ₹0.41 Cr | 0.17% |
| National Aluminium Co Ltd | Equity | ₹0.41 Cr | 0.17% |
| Future on Cipla Ltd | Equity - Future | ₹-0.41 Cr | 0.17% |
| Future on Bandhan Bank Ltd | Equity - Future | ₹-0.39 Cr | 0.16% |
| Krishna Institute of Medical Sciences Ltd | Equity | ₹0.39 Cr | 0.16% |
| Bandhan Bank Ltd | Equity | ₹0.39 Cr | 0.16% |
| India Shelter Finance Corporation Ltd | Equity | ₹0.38 Cr | 0.16% |
| Future on UltraTech Cement Ltd | Equity - Future | ₹-0.38 Cr | 0.16% |
| UltraTech Cement Ltd | Equity | ₹0.38 Cr | 0.16% |
| Hero MotoCorp Ltd | Equity | ₹0.38 Cr | 0.16% |
| Leela Palaces Hotels and Resorts Ltd | Equity | ₹0.37 Cr | 0.15% |
| Future on ITC Hotels Ltd | Equity - Future | ₹-0.35 Cr | 0.15% |
| Future on Tata Steel Ltd | Equity - Future | ₹-0.35 Cr | 0.15% |
| ITC Ltd | Equity | ₹0.35 Cr | 0.15% |
| Info Edge (India) Ltd | Equity | ₹0.35 Cr | 0.14% |
| Tech Mahindra Ltd | Equity | ₹0.33 Cr | 0.14% |
| Azad Engineering Ltd | Equity | ₹0.3 Cr | 0.13% |
| Axis Bank Ltd | Equity | ₹0.3 Cr | 0.12% |
| 19/03/2026 Maturing 182 DTB | Bond - Gov't/Treasury | ₹0.3 Cr | 0.12% |
| Navin Fluorine International Ltd | Equity | ₹0.29 Cr | 0.12% |
| TD Power Systems Ltd | Equity | ₹0.28 Cr | 0.12% |
| CARE Ratings Ltd | Equity | ₹0.26 Cr | 0.11% |
| PB Fintech Ltd | Equity | ₹0.26 Cr | 0.11% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹0.26 Cr | 0.11% |
| Fortis Healthcare Ltd | Equity | ₹0.25 Cr | 0.10% |
| Future on Tata Motors Passenger Vehicles Ltd | Equity - Future | ₹-0.25 Cr | 0.10% |
| Tata Motors Passenger Vehicles Ltd | Equity | ₹0.24 Cr | 0.10% |
| Eureka Forbes Ltd | Equity | ₹0.24 Cr | 0.10% |
| Accord Transformer & Switchgear Ltd | Equity | ₹0.23 Cr | 0.10% |
| TBO Tek Ltd | Equity | ₹0.23 Cr | 0.10% |
| Titan Company Limited | Equity - Future | ₹-0.23 Cr | 0.09% |
| Jyothy Labs Ltd | Equity | ₹0.22 Cr | 0.09% |
| GE Vernova T&D India Ltd | Equity | ₹0.22 Cr | 0.09% |
| Safari Industries (India) Ltd | Equity | ₹0.22 Cr | 0.09% |
| Ajax Engineering Ltd | Equity | ₹0.21 Cr | 0.08% |
| Tube Investments of India Ltd Ordinary Shares | Equity | ₹0.2 Cr | 0.08% |
| Kirloskar Oil Engines Ltd | Equity | ₹0.2 Cr | 0.08% |
| Computer Age Management Services Ltd Ordinary Shares | Equity | ₹0.2 Cr | 0.08% |
| Poly Medicure Ltd | Equity | ₹0.2 Cr | 0.08% |
| KRN Heat Exchanger and Refrigeration Ltd | Equity | ₹0.2 Cr | 0.08% |
| Dynamatic Technologies Ltd | Equity | ₹0.19 Cr | 0.08% |
| Intellect Design Arena Ltd | Equity | ₹0.19 Cr | 0.08% |
| Latent View Analytics Ltd | Equity | ₹0.18 Cr | 0.08% |
| Oil India Ltd | Equity | ₹0.18 Cr | 0.07% |
| City Union Bank Ltd | Equity | ₹0.18 Cr | 0.07% |
| Indigo Paints Ltd Ordinary Shares | Equity | ₹0.17 Cr | 0.07% |
| eClerx Services Ltd | Equity | ₹0.17 Cr | 0.07% |
| Karur Vysya Bank Ltd | Equity | ₹0.17 Cr | 0.07% |
| 360 One Wam Ltd Ordinary Shares | Equity | ₹0.15 Cr | 0.06% |
| Firstsource Solutions Ltd | Equity | ₹0.13 Cr | 0.06% |
| Inventurus Knowledge Solutions Ltd | Equity | ₹0.13 Cr | 0.05% |
| Nippon Life India Asset Management Ltd Ordinary Shares | Equity | ₹0.12 Cr | 0.05% |
| Awfis Space Solutions Ltd | Equity | ₹0.11 Cr | 0.05% |
| Future on Cholamandalam Investment and Finance Co Ltd | Equity - Future | ₹-0.11 Cr | 0.04% |
| Mankind Pharma Ltd | Equity | ₹0.11 Cr | 0.04% |
| SJS Enterprises Ltd | Equity | ₹0.1 Cr | 0.04% |
| Indiqube Spaces Ltd | Equity | ₹0.1 Cr | 0.04% |
| Le Travenues Technology Ltd | Equity | ₹0.1 Cr | 0.04% |
| Sagility Ltd | Equity | ₹0.09 Cr | 0.04% |
| Motilal Oswal Financial Services Ltd | Equity | ₹0.08 Cr | 0.03% |
| Rainbow Childrens Medicare Ltd | Equity | ₹0.05 Cr | 0.02% |
| Tenneco Clean Air India Ltd | Equity | ₹0.05 Cr | 0.02% |
| Newgen Software Technologies Ltd | Equity | ₹0.03 Cr | 0.01% |
| AIA Engineering Ltd | Equity | ₹0.03 Cr | 0.01% |
| Neuland Laboratories Ltd | Equity | ₹0.03 Cr | 0.01% |
| Bharat Bijlee Ltd | Equity | ₹0.02 Cr | 0.01% |
Allocation By Market Cap (Equity)
Large Cap Stocks
20.66%
Mid Cap Stocks
1.59%
Small Cap Stocks
6.03%
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹61.59 Cr | 25.44% |
| Consumer Cyclical | ₹21.56 Cr | 8.91% |
| Technology | ₹17.99 Cr | 7.43% |
| Industrials | ₹14.4 Cr | 5.95% |
| Communication Services | ₹10.44 Cr | 4.31% |
| Basic Materials | ₹9.77 Cr | 4.04% |
| Energy | ₹9.48 Cr | 3.91% |
| Utilities | ₹7.11 Cr | 2.94% |
| Healthcare | ₹6.68 Cr | 2.76% |
| Consumer Defensive | ₹3.11 Cr | 1.29% |
| Real Estate | ₹0.55 Cr | 0.23% |
Risk & Performance Ratios
Standard Deviation
This fund
--
Cat. avg.
4.33%
Lower the better
Sharpe Ratio
This fund
--
Cat. avg.
0.85
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.45
Higher the better
Fund Managers
Piyush Baranwal
Since March 2025
AA
Ashish Agarwal
Since March 2025
Bhavin Patadia
Since March 2025
Ramesh Mantri
Since March 2025
TA
Trupti Agrawal
Since March 2025
DP
Dheeresh Pathak
Since March 2025
Additional Scheme Detailsas of 28th February 2026
ISIN INF03VN01AB7 | Expense Ratio 0.78% | Exit Load No Charges | Fund Size ₹242 Cr | Age 1 year | Lumpsum Minimum ₹500 | Fund Status Open Ended Investment Company | Benchmark NIFTY Equity Savings TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Equity Savings Funds
About the AMC
WhiteOak Capital Mutual Fund
Total AUM
₹32,686 Cr
Address
1&2 Senapati Bapat Marg, Elphinstone Road (West) Mumbai Mumbai City, Mumbai
Other Funds by WhiteOak Capital Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
Take control of your wealth
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Still got questions?
We're here to help.
What is the current NAV of WhiteOak Capital Equity Savings Fund Direct Growth?
The NAV of WhiteOak Capital Equity Savings Fund Direct Growth, as of 20-Mar-2026, is ₹11.17.
What is the portfolio composition of WhiteOak Capital Equity Savings Fund Direct Growth?
The fund's allocation of assets is distributed as 36.00% in equities, 18.12% in bonds, and 45.89% in cash and cash equivalents.
Who manages the WhiteOak Capital Equity Savings Fund Direct Growth?
The fund managers responsible for WhiteOak Capital Equity Savings Fund Direct Growth are:-
- Piyush Baranwal
- Ashish Agarwal
- Bhavin Patadia
- Ramesh Mantri
- Trupti Agrawal
- Dheeresh Pathak
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Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Pvt. Ltd. is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
