Two funds walk into a table. Only the numbers talk.
SBI Balanced Hybrid Fund vs WhiteOak Capital Balanced Hybrid Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- ASBI Balanced Hybrid Fund
SBI Mutual Fund- Balanced Hybrid Fund
- Direct plan
- Very High Risk
NAV ₹10.35 on 13 Nov 2026
- BWhiteOak Capital Balanced Hybrid Fund
WhiteOak Capital Mutual Fund- Balanced Hybrid Fund
- Direct plan
- Very High Risk
NAV ₹14.22 on 13 Nov 2026
The short version
Who comes out ahead on each measure.
Fell less in a crash
ASBI Balanced Hybrid Fund
At its worst, SBI Balanced Hybrid Fund fell 3.9% from its peak, against 8.4% for WhiteOak Capital Balanced Hybrid Fund. On ₹1 lakh, that's a dip to ₹91,612 at the bottom for WhiteOak Capital Balanced Hybrid Fund. Could you have held on?
Costs less
BWhiteOak Capital Balanced Hybrid Fund
WhiteOak Capital Balanced Hybrid Fund charges 0.71% a year, against 3.56% for SBI Balanced Hybrid Fund. On ₹1 lakh that's ₹710 a year against ₹3,560, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
Not enough shared history to chart these funds together yet.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
ASBI Balanced Hybrid Fund
- Watch out: High cost: 3.56% a year
- Watch out: Less than 3 years of history, too short to judge
BWhiteOak Capital Balanced Hybrid Fund
- Strength: Beat a 5-year SBI FD: 11.8% a year over 3 years, against 6.05%
- Watch out: Small fund (₹293 Cr), often newer or less tested
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | ASBI Balanced Hybrid Fund | BWhiteOak Capital Balanced Hybrid Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | – | 3.7%#2 of 2 · avg 4.5% |
| 3 yearsPer year, over a full market mood swing | – | 11.8%#1 of 2 · avg 11.7% |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | – | 7.8%category avg 7.5% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −3.9%Bestcategory avg −6.1% | −8.4%category avg −6.1% |
| Best 12 monthsIts strongest year | – | 25.1% |
| Worst 12 monthsIts weakest year | – | -1.6% |
| Odds of a gainShare of all 1-year holding periods that ended in profit | – | 98% |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 3.56% | 0.71%Best |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹1,980 Cr | ₹293 Cr |
| Minimum SIPSmallest monthly amount | ₹500 | ₹100Best |
| Lock-inTime before you can withdraw | None | None |
| What it holdsWhere the money sits. Equity is shares, debt is bonds, cash is waiting to be invested. | ||
| In sharesEquity | 52.9% | – |
| In bondsDebt | 31.7% | – |
| In cashNot yet invested | 15.3% | – |
| HoldingsNumber of investments | 52 | – |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Top 10 holdings
Marked Both where another fund here holds it too.
ASBI Balanced Hybrid Fund
- Cholamandalam Investment & Finance Co. Ltd.Perpetual6%
- L&T Metro Rail (Hyderabad) Ltd5%
- Interise Trust4.5%
- Bharti Telecom Ltd3.7%
- Reliance Industries Ltd2.9%
- TVS Credit Services Ltd2.5%
- Sun Pharmaceutical Industries Ltd2.5%
- ASM Technologies Ltd2.5%
- National Bank for Agriculture and Rural Development2.5%
- SMFG India Credit Company Ltd2.2%
As on 31 Oct 2026
BWhiteOak Capital Balanced Hybrid Fund
Holdings are not available for this fund yet.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
ASBI Balanced Hybrid Fund
Might suit you if…
- a smoother ride matters more to you than the top return
BWhiteOak Capital Balanced Hybrid Fund
Might suit you if…
- you care about keeping costs low, which adds up over decades