MF Gyan
debtLow risk7 years oldSteady vs its 3-year pace

WhiteOak Capital Overnight Fund- Direct plan-Growth Option

Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals. From WhiteOak Capital Mutual Fund. It's been running since 25 Aug 2019.

Latest price per unit
₹1,131.3343
▲ 0.05% today
As of 18 Dec 2022 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹1.04 L
▲ ₹4.5k gain · 4.5% / year
Invested 3 years ago
₹1.11 L
▲ ₹11.3k gain · 3.6% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹1.80 L
Value today₹1.91 L
Gain / loss+₹10.8k
XIRR (annualised)3.92%
Looking forward · hypothetical
You would invest₹1.80 L
Would become*₹1.91 L
Projected gain*+₹11.3k
*at this fund's historical rate of 3.92% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 123 other funds in Debt Scheme - Overnight Fund

Same plan
1-year return
4.50%median 0.08% (+4.42%)
Rank #49 of 124Beats 58% of peers
3-year return
3.63%median 0.35% (+3.28%)
Rank #44 of 124Beats 57% of peers
Bumpiness (3Y)
0.13%median 0.14% (-0.01%)
Rank #57 of 124Less risky than 54% of peers
Worst-ever drop
0.00%median -0.06% (+0.06%)
Rank #86 of 124Less risky than 0% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 4 of last 4 years were positive.

+2%
2019
+3%
2020
+3%
2021
+4%
2022
Best year
2022 · 4.36%
Worst year
2019 · 1.78%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
0.1%

The value swings roughly 0% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
0.00%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of WhiteOak Capital Overnight Fund- Direct plan-Growth Option against other debt funds.

Technical details (for the pros)
CAGR — 1 year4.50%
CAGR — 3 years3.63%
CAGR — 5 years—
CAGR — since launch3.78%
Volatility — 1 year (annualised)0.17%
Volatility — 3 years (annualised)0.13%
Max drawdown — 1 year0.00%
Max drawdown — 3 years0.00%
Sharpe ratio — 1 year (rf=6%)-10.62
Sharpe ratio — 3 years (rf=6%)-22.69

Fund info

Fund house
WhiteOak Capital Mutual Fund
Category
Debt Scheme - Overnight Fund
Plan
Direct
Option
Growth
ISIN (Growth)
—
ISIN (Div re-invest)
—
Fund code
147593
First price on record
25 Aug 2019 · 949 daily prices

About WhiteOak Capital Overnight Fund- Direct plan-Growth Option

WhiteOak Capital Overnight Fund- Direct plan-Growth Option is a Debt Scheme - Overnight Fund offered by WhiteOak Capital Mutual Fund under the Direct plan with the Growth option. It has approximately 7 years of NAV track record. The fund falls in the debt category — Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals.

The current NAV of WhiteOak Capital Overnight Fund- Direct plan-Growth Option is ₹1131.3343 (as of 18 Dec 2022). Historically, it has delivered 4.51% over the last year, 3.63% CAGR over 3 years. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 0.1% annualised volatility — a "low" level of bumpiness; its deepest peak-to-trough fall on record was 0.0%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of WhiteOak Capital Overnight Fund- Direct plan-Growth Option?+

The latest NAV of WhiteOak Capital Overnight Fund- Direct plan-Growth Option is ₹1131.3343 as of 18 Dec 2022, up 0.05% from the previous day. NAV is updated once a business day after the market close.

What are the returns of WhiteOak Capital Overnight Fund- Direct plan-Growth Option?+

WhiteOak Capital Overnight Fund- Direct plan-Growth Option has delivered 1-year return 4.51%, 3-year CAGR 3.63%, since-inception CAGR 3.78%. Returns are historical and don't predict future performance — markets move in cycles.

What category does WhiteOak Capital Overnight Fund- Direct plan-Growth Option belong to?+

WhiteOak Capital Overnight Fund- Direct plan-Growth Option is categorised as Debt Scheme - Overnight Fund. Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals.

How risky is WhiteOak Capital Overnight Fund- Direct plan-Growth Option?+

Based on its 3-year annualised volatility of 0.1%, WhiteOak Capital Overnight Fund- Direct plan-Growth Option sits in the "low" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

Is WhiteOak Capital Overnight Fund- Direct plan-Growth Option a direct plan?+

WhiteOak Capital Overnight Fund- Direct plan-Growth Option is a Direct plan (no distributor commission — lower expense ratio) with the Growth option (all returns compound within the fund, no interim payouts).

How old is WhiteOak Capital Overnight Fund- Direct plan-Growth Option?+

WhiteOak Capital Overnight Fund- Direct plan-Growth Option has NAV history available from 25 Aug 2019 — approximately 7 years of track record and 949 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.