UTI Multi Asset Allocation Fund vs WhiteOak Capital Multi Asset Allocation Fund
UTI Multi Asset Allocation Fund and WhiteOak Capital Multi Asset Allocation Fund are both Multi Asset Allocation funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +14.84% vs +16.31%, 5-year CAGR +13.12% vs —, volatility 10.81% vs 5.38%, maximum drawdown −25.02% vs −6.08%. Their portfolios overlap by 20.2% (42 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
| UTI Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation | |
|---|---|---|
| Fund house | UTI Mutual Fund | WhiteOak Capital Mutual Fund |
| Compared as | Multi Asset Allocation | Multi Asset Allocation |
| NAV | ₹87.8100 | ₹16.5440 |
| NAV date | 5 Nov 2026 | 4 Nov 2026 |
| Launched (first NAV) | 2 Jan 2013 | 22 May 2023 |
| Track record | 13.8 yrs | 3.5 yrs |
| Fund size (AUM) | — | ₹9,111 Cr |
| Securities held | 127 | 208 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| UTI Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation | |
|---|---|---|
| 1 month | +2.50% | +0.43% |
| 3 months | −2.45% | −0.69% |
| 6 months | +0.18% | +2.82% |
| 1 year | +2.25% | +7.88% |
| 3 years (CAGR) | +14.84% | +16.31% |
| 5 years (CAGR) | +13.12% | — |
| 7 years (CAGR) | +13.38% | — |
| 10 years (CAGR) | +11.31% | — |
| Since launch (CAGR) | +9.91% | +15.56% |
| SIP return (XIRR, 5 years) ⓘ | +12.91% | — |
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
| UTI Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation | |
|---|---|---|
| 2026 (year to date) | −0.95% | +5.69% |
| 2025 | +12.42% | +18.39% |
| 2024 | +21.90% | +18.99% |
| 2023 | +30.21% | — |
| 2022 | +5.34% | — |
| 2021 | +12.69% | — |
Risk
| UTI Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation | |
|---|---|---|
| Volatility (annualised) ⓘ | 10.81% | 5.38% |
| Downside volatility ⓘ | 7.74% | 3.34% |
| Sharpe ratio ⓘ | 0.77 | 1.83 |
| Sortino ratio ⓘ | 1.08 | 2.94 |
| Maximum drawdown ⓘ | −25.02% | −6.08% |
| Recovery from that fall | 4 months | 3 months |
| Current fall from peak | −3.10% | −2.40% |
| Rolling 1-year return: worst | −20.14% | +5.15% |
| Rolling 1-year return: median | +9.44% | +17.66% |
| Rolling 1-year return: best | +51.68% | +26.27% |
| Share of 1-year periods with a loss | 13.13% | 0.00% |
Against each fund's benchmark
| UTI Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation | |
|---|---|---|
| Beta ⓘ | 0.72 | 0.31 |
| Alpha (Jensen's, annualised) ⓘ | +5.15% | +7.69% |
| R² ⓘ | 89.25 | 70.61 |
| Upside capture | 88.22% | 62.90% |
| Downside capture | 51.45% | 0.71% |
| Tracking error | 5.58% | 10.61% |
| Information ratio | 0.96 | 0.71 |
| Treynor ratio | 10.14 | 30.17 |
Portfolio
Asset mix
| UTI Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation | |
|---|---|---|
| Equity | 65.01% | 27.83% |
| Gold | 13.63% | 4.57% |
| Debt | 10.82% | 31.03% |
| REITs / InvITs | 5.41% | 20.54% |
| Cash & equivalents | 3.29% | 15.67% |
| Silver | 1.70% | 0.00% |
| ETF Units | 0.11% | 0.00% |
| Foreign Securities | 0.00% | 0.36% |
Market-cap split (share of fund assets)
| UTI Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation | |
|---|---|---|
| Large Cap | 48.66% | 19.89% |
| Mid Cap | 13.32% | 3.08% |
| Small Cap | 2.80% | 3.51% |
| Unclassified | 0.23% | 1.35% |
Concentration
| UTI Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation | |
|---|---|---|
| Top 10 holdings | 35.65% | 24.08% |
| Effective number of stocks ⓘ | 33.8 | 96.7 |
| Securities held | 127 | 208 |
Portfolio overlap: 20.2%
42 companies are held by both funds; by weight, 20.2% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | UTI Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation |
|---|---|---|
| ICICI Bank Limited | 3.23% | 2.89% |
| Embassy Office Parks REIT | 1.39% | 2.88% |
| HDFC Bank Limited | 2.94% | 1.30% |
| Nestle India Limited | 2.56% | 1.18% |
| Knowledge Realty Trust | 1.04% | 2.18% |
| Bharti Airtel Limited | 0.88% | 1.41% |
| State Bank of India | 1.55% | 0.83% |
| Brookfield India Real Estate Trust | 0.80% | 1.59% |
| Bagmane Prime Office REIT | 0.96% | 0.76% |
| 7.44% National Bank For Agriculture and Rural Development (17/07/2029) | 0.75% | 1.40% |
| Reliance Industries Limited | 0.70% | 0.80% |
| Kotak Mahindra Bank Limited | 3.14% | 0.69% |
| Torrent Pharmaceuticals Limited | 0.68% | 0.60% |
| Titan Company Limited | 1.57% | 0.54% |
| Maruti Suzuki India Limited | 0.62% | 0.49% |
Top 10 holdings
UTI Multi Asset Allocation
- MF UNITS UTI MF- GOLD EXCHANGE TRADED FUND ETF13.63%
- ICICI Bank Limited3.23%
- Kotak Mahindra Bank Limited3.14%
- HDFC Bank Limited2.94%
- ITC Limited2.57%
- Nestle India Limited2.56%
- Tata Consultancy Services Limited2.36%
- Bharat Electronics Limited1.83%
- MF UNITS UTI MF- SILVER EXCHANGE TRADED FUND1.70%
- InterGlobe Aviation Limited1.69%
WhiteOak Capital Multi Asset Allocation
- Nexus Select Trust - REIT3.64%
- ICICI Bank Limited2.89%
- Embassy Office Parks REIT2.88%
- ICICI Prudential Gold ETF2.82%
- Cube Highways Trust2.53%
- Knowledge Realty Trust2.18%
- 6.94% Government of India (11/05/2036)2.16%
- DSP Gold ETF1.75%
- Citius Transnet Investment Trust1.64%
- Brookfield India Real Estate Trust1.59%
Sector exposure
| UTI Multi Asset Allocation | WhiteOak Capital Multi Asset Allocation | |
|---|---|---|
| CRISIL AAA | 4.81% | 16.80% |
| - | 16.26% | 0.88% |
| Banks | 14.26% | 6.19% |
| Realty | 4.19% | 11.23% |
| IT - Software | 7.04% | 2.02% |
| Transport Infrastructure | 1.22% | 6.96% |
| Sovereign | 3.06% | 5.62% |
| Food Products | 4.12% | 1.38% |
| Capital Markets | 3.10% | 3.78% |
| Pharmaceuticals & Biotechnology | 3.58% | 1.88% |
| Diversified FMCG | 3.25% | 0.00% |
| Automobiles | 3.25% | 1.28% |
| Consumer Durables | 3.13% | 0.96% |
| CRISIL AA+ | 0.38% | 2.92% |
Questions people ask
What is the difference between UTI Multi Asset Allocation and WhiteOak Capital Multi Asset Allocation returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +2.25% vs +7.88%; 3-year CAGR +14.84% vs +16.31%; 5-year CAGR +13.12% vs —; 10-year CAGR +11.31% vs —. Past returns do not indicate future returns.
How do UTI Multi Asset Allocation and WhiteOak Capital Multi Asset Allocation compare on risk?
Volatility (36 monthly returns, annualised) 10.81% vs 5.38%; Sharpe ratio 0.77 vs 1.83; Sortino ratio 1.08 vs 2.94; maximum drawdown −25.02% vs −6.08%; beta 0.72 vs 0.31.
How much do UTI Multi Asset Allocation and WhiteOak Capital Multi Asset Allocation overlap?
By weight, 20.2% of the two portfolios is invested in the same companies; 42 stocks are held by both, the largest shared positions being ICICI Bank Limited, Embassy Office Parks REIT, HDFC Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of UTI Multi Asset Allocation and WhiteOak Capital Multi Asset Allocation?
UTI Multi Asset Allocation: large cap 48.7%, mid cap 13.3%, small cap 2.8%. WhiteOak Capital Multi Asset Allocation: large cap 19.9%, mid cap 3.1%, small cap 3.5% (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.