WhiteOak Capital Liquid Fund Direct Growth

Fund Overview

Fund Size

₹559 Cr

Expense Ratio

0.21%

ISIN

INF03VN01043

Minimum SIP

₹500

Exit Load

No Charges

Inception Date

16 Jan 2019

About this fund

WhiteOak Capital Liquid Fund Direct Growth is a Liquid mutual fund schemes offered by WhiteOak Capital Mutual Fund. This fund has been in existence for 7 years and 2 days, having been launched on 16-Jan-19.
As of 16-Jan-26, it has a Net Asset Value (NAV) of ₹1457.01, Assets Under Management (AUM) of 558.95 Crores, and an expense ratio of 0.21%.

WhiteOak Capital Liquid Fund Direct Growth has given a CAGR return of 5.52% since inception.
The fund's asset allocation comprises around 0.00% in equities, 0.00% in debts, and 99.75% in cash & cash equivalents.
You can start investing in WhiteOak Capital Liquid 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

+6.40%

+5.82% (Cat Avg.)

3 Years

+6.91%

+6.38% (Cat Avg.)

5 Years

+5.68%

+5.34% (Cat Avg.)

Since Inception

+5.52%

— (Cat Avg.)

Portfolio Summaryas of 31st December 2025

Others

₹558.95 Cr

100.00%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Kotak Mahindra Bank Limited	Cash - CD/Time Deposit	₹49.61 Cr	8.88%
India (Republic of)	Bond - Short-term Government Bills	₹34.93 Cr	6.25%
Clearing Corporation Of India Ltd	Cash - Repurchase Agreement	₹28.72 Cr	5.14%
National Bank For Agriculture And Rural Development	Cash - CD/Time Deposit	₹24.85 Cr	4.45%
Small Industries Development Bank Of India	Cash - CD/Time Deposit	₹24.85 Cr	4.45%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)	Cash - Commercial Paper	₹24.85 Cr	4.45%
Bajaj Financial Securities Ltd	Cash - Commercial Paper	₹24.82 Cr	4.44%
Small Industries Dev Bank Of India	Cash - Commercial Paper	₹24.8 Cr	4.44%
Bank of Baroda	Bond - Corporate Bond	₹24.78 Cr	4.43%
Tbill	Bond - Gov't/Treasury	₹24.75 Cr	4.43%
Axis Bank Limited	Cash - CD/Time Deposit	₹24.75 Cr	4.43%
Bank Of India	Cash - CD/Time Deposit	₹24.74 Cr	4.43%
Icici Securities Limited	Cash - Commercial Paper	₹24.72 Cr	4.42%
Punjab National Bank	Bond - Gov't Agency Debt	₹24.69 Cr	4.42%
Union Bank of India	Bond - Gov't Agency Debt	₹24.68 Cr	4.42%
HDFC Bank Ltd.	Bond - Corporate Bond	₹24.67 Cr	4.41%
Godrej Industries Ltd.	Cash - Commercial Paper	₹24.65 Cr	4.41%
HDFC Securities Limited	Cash - Commercial Paper	₹24.65 Cr	4.41%
India (Republic of)	Bond - Short-term Government Bills	₹19.92 Cr	3.56%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹19.01 Cr	3.40%
HDFC Bank Limited	Cash - CD/Time Deposit	₹16.81 Cr	3.01%
India (Republic of)	Bond - Short-term Government Bills	₹14.9 Cr	2.67%
Net Receivables / (Payables)	Cash - Collateral	₹2.37 Cr	0.42%
Corporate Debt Market Development Fund #	Mutual Fund - Open End	₹1.41 Cr	0.25%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Cash - CD/Time Deposit	₹165.62 Cr	29.63%
Cash - Commercial Paper	₹148.5 Cr	26.57%
Bond - Short-term Government Bills	₹69.75 Cr	12.48%
Bond - Corporate Bond	₹68.47 Cr	12.25%
Bond - Gov't Agency Debt	₹49.37 Cr	8.83%
Cash - Repurchase Agreement	₹28.72 Cr	5.14%
Bond - Gov't/Treasury	₹24.75 Cr	4.43%
Cash - Collateral	₹2.37 Cr	0.42%
Mutual Fund - Open End	₹1.41 Cr	0.25%

Risk & Performance Ratios

Fund Managers

Piyush Baranwal

Since January 2019

Additional Scheme Detailsas of 31st December 2025

ISIN

INF03VN01043

Expense Ratio

0.21%

Exit Load

No Charges

Fund Size

₹559 Cr

Age

7 years

Lumpsum Minimum

₹500

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Liquid Debt 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.

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Fund name	Expense Ratio	Exit Load	Fund size	1Y
Abakkus Liquid Fund Regular Growth Low Risk	-	0.0%	-	-
Abakkus Liquid Fund Direct Growth Low Risk	-	0.0%	-	-
Capitalmind Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	-	-
Capitalmind Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	-	-
Edelweiss Nifty 1D Rate Liquid ETF - Growth Low Risk	0.2%	-	₹101.03 Cr	-
The Wealth Company Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹976.98 Cr	-
JioBlackRock Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹6965.03 Cr	-
Unifi Liquid Fund Regular Growth Low to Moderate Risk	0.2%	0.0%	₹169.63 Cr	-
Unifi Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹169.63 Cr	-
Angel One Nifty 1D Rate Liquid ETF - Growth Low Risk	0.3%	-	₹237.83 Cr	-
ICICI Prudential BSE Liquid Rate ETF - Growth Low Risk	0.3%	-	₹763.62 Cr	-
HDFC Nifty 1D Rate Liquid ETF - Growth Low Risk	0.5%	-	₹59.40 Cr	4.6%
Mirae Asset Nifty 1D Rate Liquid ETF Low Risk	0.1%	-	₹367.52 Cr	5.5%
Shriram Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹156.32 Cr	6.2%
Shriram Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹156.32 Cr	6.0%
Groww Nifty 1D Rate Liquid ETF Low Risk	0.3%	-	₹119.81 Cr	5.3%
Bajaj Finserv Nifty 1D Rate Liquid ETF Low to Moderate Risk	0.2%	-	₹678.47 Cr	5.4%
DSP S&P BSE Liquid Rate ETF Low Risk	0.3%	-	₹1866.76 Cr	5.4%
HDFC Nifty 1D Rate Liquid ETF Low Risk	0.5%	-	₹29.44 Cr	5.3%
Kotak Quarterly Interval Series 12 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 12 Regular Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 13 Regular Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 13 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Mirae Asset Cash Management Direct Growth Low to Moderate Risk	0.1%	0.0%	₹15756.80 Cr	6.5%
LIC MF Liquid Plan Direct Growth Moderate Risk	0.1%	0.0%	₹12671.67 Cr	6.5%
ICICI Prudential Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹45244.37 Cr	6.5%
ITI Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹52.46 Cr	6.3%
ITI Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹52.46 Cr	6.4%
Navi Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹69.29 Cr	6.1%
Sundaram Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹6371.28 Cr	6.5%
Bandhan Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹14538.39 Cr	6.5%
Groww Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹165.23 Cr	6.6%
Nippon India Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹27591.03 Cr	6.5%
Union Liquid Regular Growth Low to Moderate Risk	0.2%	0.0%	₹6684.74 Cr	6.4%
JM Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹2850.92 Cr	6.4%
Edelweiss Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹10414.02 Cr	6.5%
Invesco India Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹16203.24 Cr	6.5%
Kotak Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹29817.08 Cr	6.5%
WhiteOak Capital Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹558.95 Cr	6.4%
WhiteOak Capital Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹558.95 Cr	6.3%
Mahindra Manulife Liquid Fund Regular Growth Moderate Risk	0.3%	0.0%	₹1215.68 Cr	6.4%
Mahindra Manulife Liquid Fund Direct Growth Moderate Risk	0.1%	0.0%	₹1215.68 Cr	6.5%
Quantum Liquid Fund Regular Growth Low Risk	0.3%	0.0%	₹564.13 Cr	6.0%
Mirae Asset Cash Management Regular Growth Low to Moderate Risk	0.2%	0.0%	₹15756.80 Cr	6.4%
Axis Liquid Fund Regular Growth Moderate Risk	0.2%	0.0%	₹35653.20 Cr	6.5%
Bajaj Finserv Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹5581.33 Cr	6.3%
Bajaj Finserv Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹5581.33 Cr	6.5%
SBI Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹61410.99 Cr	6.3%
UTI Liquid Fund Cash Plan Direct Growth Moderate Risk	0.2%	0.0%	₹23479.98 Cr	6.5%
Axis Liquid Fund Direct Growth Moderate Risk	0.1%	0.0%	₹35653.20 Cr	6.6%

About the AMC

WhiteOak Capital Mutual Fund

+91 180030003060

https://mf.whiteoakamc.com/

Total AUM

₹30,843 Cr

Address

1&2 Senapati Bapat Marg, Elphinstone Road (West) Mumbai Mumbai City, Mumbai

Other Funds by WhiteOak Capital Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
WhiteOak Capital Equity Savings Fund Direct Growth Moderate Risk	0.5%	0.0%	₹222.87 Cr	-
WhiteOak Capital Quality Equity Fund Direct Growth Very High Risk	0.6%	1.0%	₹671.05 Cr	-
WhiteOak Capital ESG Best-In-Class Strategy Fund Direct Growth Very High Risk	0.6%	1.0%	₹68.02 Cr	9.1%
WhiteOak Capital Digital Bharat Fund Direct Growth Very High Risk	0.7%	1.0%	₹459.77 Cr	5.8%
WhiteOak Capital Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹849.68 Cr	7.3%
WhiteOak Capital Special Opportunities Fund Direct Growth Very High Risk	0.5%	1.0%	₹1404.23 Cr	12.3%
WhiteOak Capital Pharma and Healthcare Fund Direct Growth Very High Risk	0.7%	1.0%	₹508.73 Cr	6.1%
WhiteOak Capital Banking & Financial Services Fund Direct Growth Very High Risk	0.6%	1.0%	₹568.69 Cr	21.3%
WhiteOak Capital Large & Mid Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹2072.01 Cr	12.7%
WhiteOak Capital Balanced Hybrid Fund Direct Growth Very High Risk	0.6%	1.0%	₹266.91 Cr	9.8%
WhiteOak Capital Multi Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹2957.46 Cr	11.0%
WhiteOak Capital Large Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹1143.11 Cr	13.0%
WhiteOak Capital Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹558.95 Cr	6.4%
WhiteOak Capital Ultra Short Term Fund Direct Growth Low to Moderate Risk	0.5%	0.0%	₹574.12 Cr	6.7%
WhiteOak Capital Multi Asset Allocation Fund Direct Growth High Risk	0.3%	1.0%	₹5561.90 Cr	19.1%
WhiteOak Capital Tax Saver Fund Direct Growth Very High Risk	0.7%	0.0%	₹448.30 Cr	8.3%
WhiteOak Capital Mid Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹4447.55 Cr	12.0%
WhiteOak Capital Flexi Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹7093.39 Cr	9.7%
WhiteOak Capital Balanced Advantage Fund Direct Growth Very High Risk	0.6%	1.0%	₹2119.38 Cr	10.0%

Risk Level

Your principal amount will be at Low to Moderate Risk

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What is the current NAV of WhiteOak Capital Liquid Fund Direct Growth?

The NAV of WhiteOak Capital Liquid Fund Direct Growth, as of 16-Jan-2026, is ₹1457.01.

What are the returns of WhiteOak Capital Liquid Fund Direct Growth?

The fund has generated 6.40% over the last 1 year and 6.91% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of WhiteOak Capital Liquid Fund Direct Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 0.00% in bonds, and 99.75% in cash and cash equivalents.

Who manages the WhiteOak Capital Liquid Fund Direct Growth?

The fund managers responsible for WhiteOak Capital Liquid Fund Direct Growth are:-

Piyush Baranwal

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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WhiteOak Capital Liquid Fund Direct Growth

Fund Overview