WhiteOak Capital Pharma and Heathcare Fund Direct Plan Growth

WhiteOak Capital Pharma and Heathcare Fund Direct Plan Growth holds up reasonably well within the Sectoral category, backed by a 4-star rating. Recent 1-year performance has been notably strong, though momentum like this doesn't always hold over longer periods. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 69/100.

Cost: At 1.19%, the expense ratio runs 13% above the Sectoral category average of 1.05%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.

Risk-adjusted performance: Over the trailing 1-year period, the fund shows a moderate Sharpe ratio of 0.86 — decent risk-adjusted performance, without being exceptional. Separately, annualised volatility of 13.43% is fairly typical for actively managed equity funds.

Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Equity fund. Given the Very High risk rating, this fund is not suited to short-term goals or investors who may need to exit within 2-3 years.