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2 star

WhiteOak Capital Ultra Short Term Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.04 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.22 Lakh

Suitability:

"Ultra Short Duration debt funds invest in bonds maturing in three to six months. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds over the said timeframe is low but they do not guarantee returns or safety of capital.

Such funds are usually more suited to institutional investors. Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to three months maturity, from the one that invests in bonds maturing in three to six months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to a year in a Liquid fund.

If you do decide to invest in them, remember that these funds usually deliver low returns which are only marginally higher than your bank account. They are not suitable if your aim is to build wealth in the long run."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 0.21 0.02 0.04 0.25 0.69 2.01 4.01 -- -- -- --
CCIL T Bill Liquidity Weight 0.11 0.00 0.03 0.16 0.52 1.02 2.06 -- -- -- --
Debt: Ultra Short Duration 0.23 0.03 0.05 0.31 0.82 1.73 3.64 -- -- -- --
Rank within category 20 20 20 22 23 3 5 -- -- -- --
Number of funds in category 27 27 27 27 27 27 26 21 14 14 12

As on 24-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
WhiteOak Capital Ultra Short Term Fund - Regular Plan
2 star
Jun-19 4.01 -- -- 0.82% 18
Aditya Birla Sun Life Savings Fund  | Invest Online
5 star
Nov-01 4.14 6.33 6.73 0.48% 14,743
HDFC Ultra Short Term Fund - Regular Plan  | Invest Online
4 star
Sep-18 3.67 5.78 -- 0.64% 13,642
ICICI Prudential Ultra Short Term Fund  | Invest Now
5 star
May-11 4.13 6.19 6.56 0.91% 11,500
Kotak Savings Fund Regular Plan  | Invest Online
4 star
Aug-04 3.40 5.49 6.13 0.77% 11,223

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.83 09-Sep-2021 - 17-Sep-2021 0.00 27-Mar-2020 - 03-Apr-2020
Month 0.97 13-Aug-2021 - 14-Sep-2021 0.13 24-Mar-2020 - 23-Apr-2020
Quarter 1.74 13-Jun-2019 - 12-Sep-2019 0.43 21-May-2020 - 20-Aug-2020
Year 5.02 10-Jun-2019 - 09-Jun-2020 3.25 07-Sep-2020 - 07-Sep-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
CCIL T Bill Liquidity Weight* 3.13 0.39 -1.53 -4.65 -- --
Debt: Ultra Short Duration* 5.21 1.13 1.74 4.46 1.12 2.16
Rank within category -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

The Risk Measures have been calculated using calendar month returns for the last three years.

As on

* As on 31-Dec-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 2 2 1 36
Modified Duration (yrs) 0.31 0.41 0.00 0.38
Average Maturity (yrs) 0.32 0.42 0.00 0.43
Yield to Maturity (%) 3.78 3.78 3.05 4.65
Avg Credit Rating GOI/Cash -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal Reserve Bank of India 182-D 19/05/2022 Treasury Bills SOV 0.00 - 53.62 53.62
new Reserve Bank of India 182-D 09/06/2022 Treasury Bills SOV 0.00 - 26.74 26.74

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Dec-2021

Fund Manager

— Piyush Baranwal since 24-May-2019

Education: 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.

Experience: Prior to joining YES 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).

Funds Managed:


0.02%

Change from previous, NAV as on 24-Jan-2022

Growth: ₹ 1,115.7826

IDCW Monthly: ₹ 1,001.7577

IDCW Daily: ₹ 1,001.4539


Investment Strategy

The scheme seeks to generate reasonable income with low volatility through investment in a portfolio comprising of debt & money market instruments.

Investment Details

Min. Investment (₹) 2,000
Min. Addl Investment (₹) 2,000
Min. SIP Investment (₹) 2,000
Min. No of Cheques 6
Min. Withdrawal (₹) 500
Min. Balance (₹) 1
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: WhiteOak Capital Mutual Fund
Launch Date: 06-Jun-2019
Return Since Launch: 4.24%
Benchmark: CRISIL Ultra Short Term Debt Index
Riskometer: Low
Type: Open-ended
Assets: ₹ 18 Cr (As on 31-Dec-2021)
Expense: 0.82% (As on 30-Nov-2021)
Risk Grade: High
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily24-Jan-20220.2281

 21-Jan-20220.0930
 20-Jan-20220.0337
 19-Jan-20220.0337
 18-Jan-20220.0753
 17-Jan-20220.2086
 14-Jan-20220.0924
 13-Jan-20220.2062
 12-Jan-20220.1138
 11-Jan-20220.0357
 10-Jan-20220.2260
 07-Jan-20220.0526
 06-Jan-20220.1071
 05-Jan-20220.1714
 04-Jan-20220.1607
 03-Jan-20220.3940
 31-Dec-20210.0878
 30-Dec-20210.0827
 29-Dec-20210.0067
 28-Dec-20210.0597
 27-Dec-20210.2426
 24-Dec-20210.0927
 23-Dec-20210.0896
 22-Dec-20210.0109
 21-Dec-20210.1188
IDCW Monthly17-Jan-20222.7096

 15-Dec-20212.3369
 15-Nov-20211.6728
 18-Oct-20211.7986
 15-Sep-20219.5707
 17-Aug-20212.0760
 15-Jul-20212.0834
 15-Jun-20211.9374
 17-May-20212.2127
 15-Apr-20212.4381
 15-Mar-20212.0823
 15-Feb-20218.7476
 15-Jan-20212.2212
 15-Dec-20201.6332
 17-Nov-20202.3149
 15-Oct-20202.8192
 15-Sep-20207.6636
 17-Aug-20201.6805
 15-Jul-20201.3366
 15-Jun-20201.3974
 15-May-20202.0334
 15-Apr-20201.6511
 16-Mar-20203.7546
 17-Feb-20203.1296
 15-Jan-20202.7121
IDCW Fortnightly18-Aug-20210.8683

 03-Aug-20210.8425
 20-Jul-20210.9721
 06-Jul-20210.9370
 22-Jun-20210.8995
 08-Jun-20210.9108
 25-May-20210.9105
 11-May-20210.8286
 27-Apr-20210.9490
 15-Apr-20210.9324
 31-Mar-20211.3253
 16-Mar-20210.7987
 02-Mar-20211.2527
 16-Feb-20217.7055
 02-Feb-20210.8772
 19-Jan-20211.1064
 05-Jan-20210.8604
 22-Dec-20200.9221
 08-Dec-20200.8048
 24-Nov-20200.7287
 10-Nov-20201.0411
 27-Oct-20201.2330
 13-Oct-20201.4412
 29-Sep-20201.0363
 15-Sep-20200.6349
IDCW Weekly23-Feb-20210.6050

 16-Feb-20210.4261
 09-Feb-20217.2746
 02-Feb-20210.3608
 27-Jan-20210.5038
 19-Jan-20210.5448
 12-Jan-20210.5868
 05-Jan-20210.3966
 29-Dec-20200.4767
 22-Dec-20200.4066
 15-Dec-20200.4648
 08-Dec-20200.3726
 02-Dec-20200.4348
 24-Nov-20200.3331
 18-Nov-20200.4239
 10-Nov-20200.6420
 03-Nov-20200.4580
 27-Oct-20200.6090
 20-Oct-20200.6651
 13-Oct-20200.5039
 06-Oct-20200.8131
 29-Sep-20200.4185
 22-Sep-20200.6417
 15-Sep-20200.2223
 08-Sep-20200.4232

News & Analysis

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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