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.
Expert Editorial Analysis & Investment Review
Independent, data-driven assessment of WhiteOak Capital Mid Cap Fund covering strategy, benchmark tracking, risk metrics, and suitability for long-term SIP portfolios.
Fund Overview
WhiteOak Capital Mid Cap Fund is the mid cap offering from WhiteOak Capital, the boutique AMC founded by Prashant Khemka (ex-CIO of Birla Sun Life) and led by CIO Ramesh Mantri. Launched in September 2022, the fund has grown to ₹6,800+ crore by delivering category-leading risk-adjusted returns.
The portfolio follows a growth-at-reasonable-price discipline across high-quality mid caps — Phoenix Mills, Max Financial, Bharti Hexacom, Federal Bank and Fortis Healthcare — with the portfolio deliberately diversified rather than concentrated.
Who Should Invest
This fund suits aggressive long-term investors (7+ years) who want high-quality mid cap exposure with strong downside management. Its remarkably shallow drawdowns for a mid cap fund (deepest ~19% since launch) make it one of the most comfortable ways to own mid caps.
It also suits investors who prefer independent, boutique fund management with senior managers directly involved in every position, rather than large AMCs where junior analysts run many schemes.
Key Strengths
- Category-best Sharpe ratio — ~1.1 since inception, the best risk-adjusted record in the mid cap category
- Exceptional downside control — deepest drawdown of only ~19% since the September 2022 launch, versus 40%+ for many mid cap peers
- Senior-led management — CIO Ramesh Mantri personally manages the fund, backed by a 20+ year track record
- Quality compounding — 24.6% 3-year CAGR with a diversified, quality-tilted book
Risks to Consider
- Short track record — launched in 2022, the fund has never faced a prolonged bear market
- Newer franchise — WhiteOak is a young AMC; institutional flows and strategy continuity are less tested than older houses
- Mid cap beta — even with quality tilt, mid caps can draw down 35-40% in severe corrections
- Fee expectations — as the fund scales, low introductory TERs may drift upward
How It Compares
In the mid cap category, WhiteOak Capital Mid Cap competes with Kotak Emerging Equity, HDFC Mid Cap and Motilal Oswal Midcap. Its 3-year CAGR of 24.6% places it among the top performers, while its Sharpe ratio of ~1.1 exceeds all major mid cap rivals — a combination of strong returns and modest drawdowns that is rare in the category.
Performance Context
Since its September 2022 launch, the fund has compounded at 24.3% annually through one of the most volatile periods in mid cap history — the 2022 bear phase, the 2023-24 mid cap boom, the 2024-25 correction and the 2026 recovery. Passing through the 2024-25 correction with only a ~19% drawdown is the fund’s defining achievement: it protected capital when most mid cap funds were down 30%+.
Use Our SIP Calculator with This Fund
To see how a monthly SIP in WhiteOak Capital Mid Cap Fund would have performed over any time period, visit our main SIP calculator and select this fund. You can test different investment amounts, start dates, and step-up scenarios using real historical NAV data — not assumed return rates.
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.
More Funds from WhiteOak Capital & Similar Schemes
Similar Funds to Consider
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for WhiteOak Mid Cap Investors
- FIRE Calculator — Plan your retirement corpus with WhiteOak Mid Cap as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in WhiteOak Mid Cap could cost you
- SIP vs EMI Calculator — Compare investing in WhiteOak Mid Cap vs paying off loans
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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