WhiteOak Capital Liquid Fund
Liquid fund from WhiteOak Capital Mutual Fund. Direct and regular Growth plans: returns over 1, 3 and 5 years, against the Nifty 50, its rank among liquid funds and what a ₹10,000 SIP became.
As of 30 Sep 2026, WhiteOak Capital Liquid Fund (direct plan, Growth) has returned 6.2% a year over 5 years, 6.9% over 3 years. That ranks 26 of 31 liquid funds over 5 years. A ₹10,000 monthly SIP for 5 years (₹6,00,000) was worth ₹7,09,643, an XIRR of 6.6%. Expense ratio: 0.13% a year for the direct plan and 0.23% for the regular plan. Latest NAV ₹1,530.82 (29 Oct 2026).
WhiteOak Capital Liquid Fund returns
| Plan | 1 year | 3 years | 5 years | 10 years |
|---|---|---|---|---|
| Direct | 6.4% | 6.9% | 6.2% | — |
| Regular | 6.3% | 6.7% | 6.1% | — |
To 30 Sep 2026. Returns are yearly (CAGR) from AMFI month-end NAVs of the Growth option. An index's return is measured through a low-cost index fund's direct plan, so it is a little below the index itself. Past returns do not tell you what a fund will do next, and this is not a recommendation to buy or sell any fund.
Calendar-year returns
| Year | Direct | Regular |
|---|---|---|
| 2025 | 6.5% | 6.4% |
| 2024 | 7.4% | 7.3% |
| 2023 | 7.0% | 6.9% |
| 2022 | 4.6% | 4.4% |
| 2021 | 3.0% | 2.9% |
| 2020 | 3.7% | 3.6% |
What a ₹10,000 SIP in WhiteOak Capital Liquid Fund became
| Plan | SIP for | Invested | Value at 30 Sep 2026 | XIRR |
|---|---|---|---|---|
| Direct | 3 years | ₹3,60,000 | ₹3,98,102 | 6.6% |
| Direct | 5 years | ₹6,00,000 | ₹7,09,643 | 6.6% |
| Regular | 3 years | ₹3,60,000 | ₹3,97,456 | 6.5% |
| Regular | 5 years | ₹6,00,000 | ₹7,07,723 | 6.5% |
A ₹10,000 SIP at each month-end NAV, valued at the latest month-end. Try your own amount and dates with the SIP calculator.
Expense ratio
0.13% a year for the direct plan and 0.23% for the regular plan, as disclosed for 30 Sep 2026 (AMFI's TER disclosure). It is taken out of the fund every day, so the returns above are already after it. On ₹10 lakh growing at 12% a year for 10 years, a 0.23% expense ratio instead of 0.13% costs ₹27,332. Try your own numbers with the expense ratio calculator.
Direct vs regular plan
The regular plan returned 0.11 points a year less than the direct plan over 5 years: on ₹10 lakh invested 5 years ago, that is ₹6,878 less today. The difference is the distributor's commission and the higher expense ratio. See it for your amount with the direct vs regular calculator.
Where it ranks among liquid funds
| Rank | Fund | 5-year return (direct) |
|---|---|---|
| 1 | Aditya Birla Sun Life Liquid Fund | 6.4% |
| 2 | Axis Liquid Fund | 6.4% |
| 3 | Mahindra Manulife Liquid Fund | 6.4% |
| 4 | Edelweiss Liquid Fund | 6.4% |
| 5 | Bank Of India Liquid Fund | 6.4% |
| 26 | WhiteOak Capital Liquid Fund | 6.2% |
Ranked by 5-year return among the 31 liquid funds with that much history. All liquid funds.
Key takeaways
Frequently asked questions
What is the NAV of WhiteOak Capital Liquid Fund?
₹1,530.82 for the direct plan (Growth) on 29 Oct 2026, from AMFI.
What are WhiteOak Capital Liquid Fund's 5-year returns?
6.2% a year (direct plan, to 30 Sep 2026).
What is the expense ratio of WhiteOak Capital Liquid Fund?
0.13% a year for the direct plan and 0.23% for the regular plan (AMFI disclosure for 30 Sep 2026).
What did a SIP in WhiteOak Capital Liquid Fund return?
₹10,000 a month for 5 years became ₹7,09,643, an XIRR of 6.6%.