Bajaj Finserv ELSS - Tax Saver Fund vs WhiteOak Capital ELSS Tax Saver Fund
Bajaj Finserv ELSS - Tax Saver Fund and WhiteOak Capital ELSS Tax Saver Fund are both ELSS (Tax Saving) funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR — vs +16.93%, 5-year CAGR — vs —, volatility 17.12% vs 15.06%, maximum drawdown −13.51% vs −16.36%. Their portfolios overlap by 22% (13 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| Bajaj Finserv ELSS - Tax Saver | WhiteOak Capital ELSS Tax Saver | |
|---|---|---|
| Fund house | Bajaj Finserv Mutual Fund | WhiteOak Capital Mutual Fund |
| Compared as | ELSS (Tax Saving) | ELSS (Tax Saving) |
| NAV | ₹11.9010 | ₹19.3280 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 3 Feb 2025 | 17 Oct 2022 |
| Track record | 1.8 yrs | 4.1 yrs |
| Fund size (AUM) | ₹88 Cr | ₹481 Cr |
| Securities held | 42 | 141 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Bajaj Finserv ELSS - Tax Saver | WhiteOak Capital ELSS Tax Saver | |
|---|---|---|
| 1 month | +3.35% | +3.26% |
| 3 months | −1.84% | −1.16% |
| 6 months | +0.88% | +5.74% |
| 1 year | +1.91% | +2.48% |
| 3 years (CAGR) | — | +16.93% |
| 5 years (CAGR) | — | — |
| 7 years (CAGR) | — | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +10.24% | +17.49% |
| SIP return (XIRR, 5 years) ⓘ | — | — |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| Bajaj Finserv ELSS - Tax Saver | WhiteOak Capital ELSS Tax Saver | |
|---|---|---|
| 2026 (year to date) | +2.49% | +3.17% |
| 2025 | — | +4.95% |
| 2024 | — | +30.34% |
| 2023 | — | +34.58% |
Risk
| Bajaj Finserv ELSS - Tax Saver | WhiteOak Capital ELSS Tax Saver | |
|---|---|---|
| Volatility (annualised) ⓘ | 17.12% | 15.06% |
| Downside volatility ⓘ | 10.82% | 10.08% |
| Sharpe ratio ⓘ | 0.22 | 0.69 |
| Sortino ratio ⓘ | 0.35 | 1.04 |
| Maximum drawdown ⓘ | −13.51% | −16.36% |
| Recovery from that fall | 1 months | 4 months |
| Current fall from peak | −1.84% | −1.74% |
| Rolling 1-year return: worst | −4.73% | −4.25% |
| Rolling 1-year return: median | +4.63% | +14.59% |
| Rolling 1-year return: best | +15.80% | +49.78% |
| Share of 1-year periods with a loss | 11.17% | 4.25% |
Against each fund's benchmark
| Bajaj Finserv ELSS - Tax Saver | WhiteOak Capital ELSS Tax Saver | |
|---|---|---|
| Beta ⓘ | 1.03 | 0.95 |
| Alpha (Jensen's, annualised) ⓘ | +1.25% | +4.93% |
| R² ⓘ | 94.70 | 92.53 |
| Upside capture | 107.11% | 112.58% |
| Downside capture | 102.49% | 90.61% |
| Tracking error | 3.96% | 4.29% |
| Information ratio | 0.32 | 1.23 |
| Treynor ratio | 1.57 | 9.48 |
Portfolio
Asset mix
| Bajaj Finserv ELSS - Tax Saver | WhiteOak Capital ELSS Tax Saver | |
|---|---|---|
| Equity | 89.60% | 97.37% |
| Cash & equivalents | 10.40% | 2.63% |
Market-cap split (share of fund assets)
| Bajaj Finserv ELSS - Tax Saver | WhiteOak Capital ELSS Tax Saver | |
|---|---|---|
| Large Cap | 41.35% | 52.32% |
| Mid Cap | 12.78% | 11.67% |
| Small Cap | 31.32% | 30.42% |
| Unclassified | 4.15% | 2.96% |
Concentration
| Bajaj Finserv ELSS - Tax Saver | WhiteOak Capital ELSS Tax Saver | |
|---|---|---|
| Top 10 holdings | 47.64% | 34.01% |
| Effective number of stocks ⓘ | 30 | 52.7 |
| Securities held | 42 | 141 |
Portfolio overlap: 22%
13 companies are held by both funds; by weight, 22% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | Bajaj Finserv ELSS - Tax Saver | WhiteOak Capital ELSS Tax Saver |
|---|---|---|
| ICICI Bank Limited | 6.37% | 8.15% |
| HDFC Bank Limited | 9.16% | 3.97% |
| Eternal Limited | 2.48% | 2.82% |
| State Bank of India | 4.12% | 2.47% |
| Reliance Industries Limited | 5.75% | 2.33% |
| Coforge Limited | 1.09% | 1.87% |
| Bajaj Finserv Limited | 1.14% | 1.04% |
| Larsen & Toubro Limited | 2.53% | 0.64% |
| Indigo Paints Limited | 1.94% | 0.56% |
| Five Star Business Finance Limited | 1.03% | 0.56% |
| Tata Steel Ltd. | 2.36% | 0.28% |
| Vedanta Aluminium Metal Limited | 1.87% | 0.18% |
| SS Retail Limited | 0.03% | 0.37% |
Top 10 holdings
Bajaj Finserv ELSS - Tax Saver
- HDFC Bank Limited9.16%
- ICICI Bank Limited6.37%
- Reliance Industries Limited5.75%
- Divi's Laboratories Limited5.57%
- Zydus Wellness Ltd4.67%
- State Bank of India4.12%
- Steel Authority of India Limited3.85%
- PG Electroplast Limited2.79%
- Balrampur Chini Mills Limited2.71%
- Timken India Ltd.2.65%
WhiteOak Capital ELSS Tax Saver
- ICICI Bank Limited8.15%
- HDFC Bank Limited3.97%
- Bharti Airtel Limited3.91%
- Nestle India Limited3.52%
- Eternal Limited2.82%
- Kotak Mahindra Bank Limited2.56%
- State Bank of India2.47%
- Mahindra & Mahindra Limited2.41%
- Reliance Industries Limited2.33%
- Coforge Limited1.87%
Sector exposure
| Bajaj Finserv ELSS - Tax Saver | WhiteOak Capital ELSS Tax Saver | |
|---|---|---|
| Banks | 19.65% | 20.30% |
| Pharmaceuticals & Biotechnology | 7.70% | 6.43% |
| Finance | 5.04% | 7.64% |
| Ferrous Metals | 6.21% | 0.63% |
| Petroleum Products | 5.75% | 2.58% |
| IT - Software | 1.09% | 5.61% |
| Food Products | 5.56% | 4.14% |
| Retailing | 4.52% | 5.48% |
| Consumer Durables | 5.13% | 5.00% |
| Chemicals & Petrochemicals | 0.00% | 4.51% |
| Textiles & Apparels | 4.50% | 0.00% |
| Telecom - Services | 0.00% | 3.91% |
| Automobiles | 0.00% | 3.90% |
| Industrial Products | 3.50% | 2.11% |
Questions people ask
What is the difference between Bajaj Finserv ELSS - Tax Saver and WhiteOak Capital ELSS Tax Saver returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +1.91% vs +2.48%; 3-year CAGR — vs +16.93%; 5-year CAGR — vs —; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do Bajaj Finserv ELSS - Tax Saver and WhiteOak Capital ELSS Tax Saver compare on risk?
Volatility (36 monthly returns, annualised) 17.12% vs 15.06%; Sharpe ratio 0.22 vs 0.69; Sortino ratio 0.35 vs 1.04; maximum drawdown −13.51% vs −16.36%; beta 1.03 vs 0.95.
How much do Bajaj Finserv ELSS - Tax Saver and WhiteOak Capital ELSS Tax Saver overlap?
By weight, 22% of the two portfolios is invested in the same companies; 13 stocks are held by both, the largest shared positions being ICICI Bank Limited, HDFC Bank Limited, Eternal Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of Bajaj Finserv ELSS - Tax Saver and WhiteOak Capital ELSS Tax Saver?
Bajaj Finserv ELSS - Tax Saver: large cap 41.4%, mid cap 12.8%, small cap 31.3%. WhiteOak Capital ELSS Tax Saver: large cap 52.3%, mid cap 11.7%, small cap 30.4% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 5 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.