WhiteOak Capital Liquid Fund

Q: What are the returns of this mutual fund scheme?

The WhiteOak Capital Liquid Fund is a 6 yrs 11 m old fund and has delivered average annual returns of 5.4% since inception. WhiteOak Capital Liquid Fund Returns 1-Year 3-Year 5-Year Since Inception 6.46% 6.83% 5.51% 5.4%

Q: How much does this mutual fund charge as expense ratio?

The WhiteOak Capital Liquid Fund has an expense ratio of 0.31% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Dec 04, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹1438.2718+0.01% 1 day change	5.4% p.a.	App exclusive #NA View Ranked Funds	₹537 Cr

Historical NAV & returns

NAV: ₹1438.2718 as on Dec 04, 2025

This fund Category average

WhiteOak Capital Liquid Fund overview

AUM (Fund size)	₹537 Cr
Exit load	0.007% Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.!
Lock-in Period	Nil
Age	6 yrs 11 m since Jan 02, 2019
Benchmark	CRISIL Liquid Debt A-I Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.31% as on Nov 30, 2025
Plan type	Regular
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

WhiteOak Capital Liquid Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

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. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Dec 05, 2025

Period	This fund	Category average
1 Month	0.44%	0.44%
3 Months	1.38%	1.37%
6 Months	2.83%	2.83%
1 Year	6.46%	6.44%
2 Years	6.86%	6.85%
3 Years	6.83%	6.85%
4 Years	6.17%	6.25%
5 Years	5.51%	5.62%

Asset allocationas on Oct 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 75.94%

SOV 15.87%

Cash & Call Money 4.67%

AAA 3.26%

Top Debt Holdings

Reserve Bank of India 15.87%

Indian Oil Corporation Ltd. 9.28%

Axis Bank Ltd. 9.27%

Bank Of Baroda 9.26%

Allocation by Instruments

Commercial Paper 40.779999999999994%

Certificate of Deposit 35.160000000000004%

Treasury Bills 15.870000000000001%

CBLO 4.35%

Other Holdings

Others 0.26%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
WhiteOak Capital Liquid Fund	0.44%	2.83%	6.46%	6.83%	5.51%	N.A.
Canara Robeco Liquid Fund	0.45%	2.89%	6.6%	7.0%	5.74%	6.04%
Bank of India Liquid Fund	0.46%	2.92%	6.63%	7.03%	5.78%	6.15%
Mirae Asset Liquid Fund	0.45%	2.88%	6.55%	6.96%	5.74%	6.09%
JM Liquid Fund	0.44%	2.86%	6.47%	6.88%	5.69%	6.12%
Navi Liquid Fund	0.43%	2.77%	6.15%	6.62%	5.6%	6.02%

Fund name	Std. deviation	Beta	Sharpe	Sortino
WhiteOak Capital Liquid Fund	0.18	0.37	2.29	3.61
Canara Robeco Liquid Fund	0.18	0.39	3.18	4.3
Bank of India Liquid Fund	0.17	0.38	3.51	4.42
Mirae Asset Liquid Fund	0.18	0.37	3.01	4.12
JM Liquid Fund	0.16	0.34	2.87	3.71
Navi Liquid Fund	0.16	0.26	1.36	1.79

Fund name	ETM Rank	AUM	Fund age	Expense ratio
WhiteOak Capital Liquid Fund	N.A.	537 Cr	6 yrs 11 m	0.31%
Canara Robeco Liquid Fund	N.A.	7,328 Cr	17 yrs 5 m	0.21%
Bank of India Liquid Fund	N.A.	1,513 Cr	17 yrs 5 m	0.14%
Mirae Asset Liquid Fund	N.A.	14,284 Cr	16 yrs 11 m	0.19%
JM Liquid Fund	N.A.	1,374 Cr	27 yrs 11 m	0.26%
Navi Liquid Fund	N.A.	66 Cr	15 yrs 9 m	0.2%

View all Liquid funds

Key risk & return ratios Compared to other funds in the category

Alpha	1.04 vs. 2.78 Underperformed at beating benchmark
Sharpe	2.29 vs. 2.92 Poor risk-adjusted returns
Beta	0.37 vs. 1.29 Less sensitive to market ups & downs
Standard deviation	0.18 vs. 0.15 More volatile performance

Compare WhiteOak Capital Liquid Fund in detail with

About this fund

About WhiteOak Capital Liquid Fund

WhiteOak Capital Liquid Fund is a Liquid mutual fund scheme from Whiteoak Capital Mutual Fund. This fund has been in existence for 6 yrs 11 m, having been launched on 02/01/2019. WhiteOak Capital Liquid Fund has ₹537 Crores worth of assets under management (AUM) as on 31/10/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of WhiteOak Capital Liquid Fund as of 04/12/2025 is ₹1438.27. The fund has an expense ratio of 0.31%, which is higher than what most other Liquid funds charge.

WhiteOak Capital Liquid Fund returns of last 1-year are 6.46%. Since launch, it has delivered 5.42% average annual returns.
WhiteOak Capital Liquid Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in Reserve Bank of India, Indian Oil Corporation Ltd., Axis Bank Ltd., Bank Of Baroda, Godrej Industries Ltd..

...

Fund AUM	537 Cr as on Oct 31, 2025
Scheme document	View Scheme Document

Fund managers

Piyush Baranwal

Mr.Piyush Baranwal is a B. Tech. in Electronics and communication from Manipal Institute of Technology,Manipal.He completed PGDBM in Finance from S.P.Jain Institute of Management and Reserch and CFA. Prior to joining WhiteOak Capital Mutual Fund he has worked with BOI AXA, Morgan Stanley Investment Management (Jan, 2011-June, 2014) and Principal Pnb AMC as a Dealer- Fixed Income (May, 2008-Jan, 2011).

Investment objective

The Scheme seeks to generate optimal returns consistent with moderate levels of risk and high liquidity by investing in high quality debt and money market instruments.

WhiteOak Capital Mutual Fund details

No. of schemes	19 view all schemes
Total AUM	24,943 Cr as on Sep 30, 2025
Address	Unit No. B4, 6th Floor, Cnergy, Appasaheb Marathe Marg, Prabhadevi Mumbai, 400025
Phone	180030003060

More funds from WhiteOak Capital Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
WhiteOak Capital Ultra Short Duration Fund	N.A.	531 Cr	6.47%	6.56%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of WhiteOak Capital Liquid Fund?

The current Net Asset Value (NAV) of the WhiteOak Capital Liquid Fund plan is approximately ₹1438.2718 as of Dec 04, 2025.

What are the returns of this mutual fund scheme?

The WhiteOak Capital Liquid Fund is a 6 yrs 11 m old fund and has delivered average annual returns of 5.4% since inception.

WhiteOak Capital Liquid Fund Returns

1-Year	3-Year	5-Year	Since Inception
6.46%	6.83%	5.51%	5.4%

How much does this mutual fund charge as expense ratio?

The WhiteOak Capital Liquid Fund has an expense ratio of 0.31%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The WhiteOak Capital Liquid Fund currently has assets under management (AUM) or fund size valued at approximately 537 Cr as on Oct 31, 2025.

To whom does WhiteOak Capital Liquid Fund lend to?

The top 3 debt holdings of WhiteOak Capital Liquid Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	15.87%
Indian Oil Corporation Ltd.	9.28%
Axis Bank Ltd.	9.27%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The WhiteOak Capital Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	75.94%
SOV	15.87%
Cash & Call Money	4.67%

What is risk level of WhiteOak Capital Liquid Fund?

This is a Liquid fund comes with Low to Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in WhiteOak Capital Liquid Fund?

Redeeming your investments in the WhiteOak Capital Liquid Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Liquid

#NA

Return Outperformance: This fund has generated highest return amongst Liquid funds in the last 2 Years.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.