Two funds walk into a table. Only the numbers talk.
WhiteOak Capital Flexi Cap Fund vs ITI Flexi Cap 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.
- AWhiteOak Capital Flexi Cap Fund
WhiteOak Capital Mutual Fund- Flexi Cap Fund
- Direct plan
- Very High Risk
NAV ₹19.68 on 13 Nov 2026
- BITI Flexi Cap Fund
ITI Mutual Fund- Flexi Cap Fund
- Direct plan
- Very High Risk
NAV ₹22.15 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 3 years all of them have been around.
Grew faster
BITI Flexi Cap Fund
ITI Flexi Cap Fund returned 19.8% a year over 3 years, against 15.8% for WhiteOak Capital Flexi Cap Fund. ₹1 lakh invested 3 years ago would be about ₹1.72 Lakh today, against ₹1.55 Lakh.
Smoother ride
AWhiteOak Capital Flexi Cap Fund
WhiteOak Capital Flexi Cap Fund swung the least: about 13.9% a year either way, against 16.5% for ITI Flexi Cap Fund. Lower means fewer scary days.
Fell less in a crash
AWhiteOak Capital Flexi Cap Fund
At its worst, WhiteOak Capital Flexi Cap Fund fell 15.6% from its peak, against 21.4% for ITI Flexi Cap Fund. On ₹1 lakh, that's a dip to ₹78,557 at the bottom for ITI Flexi Cap Fund. Could you have held on?
More consistent
AWhiteOak Capital Flexi Cap Fund
Pick any day in the past and hold for a year: WhiteOak Capital Flexi Cap Fund ended up in profit 97% of the time, against 92% for ITI Flexi Cap Fund.
Costs less
AWhiteOak Capital Flexi Cap Fund
WhiteOak Capital Flexi Cap Fund charges 0.83% a year, against 0.91% for ITI Flexi Cap Fund. On ₹1 lakh that's ₹830 a year against ₹910, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- AWhiteOak Capital Flexi Cap Fund₹15,258 from ₹10,000(15.2% a year)
- BITI Flexi Cap Fund₹16,952 from ₹10,000(19.3% a year)
A one-time ₹10,000 put in 3 years ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
AWhiteOak Capital Flexi Cap Fund
- Strength: Ahead of its category: 15.8% a year over 3 years, against a category average of 14.1%
- Strength: Beat a 5-year SBI FD: 15.8% a year over 3 years, against 6.05%
BITI Flexi Cap Fund
- Strength: Ahead of its category: 19.8% a year over 3 years, against a category average of 14.1%
- Strength: In the top quarter of its category over 3 years (#1 of 36)
- Strength: Beat a 5-year SBI FD: 19.8% a year over 3 years, against 6.05%
- Watch out: Swings more than most funds in its category
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 | AWhiteOak Capital Flexi Cap Fund | BITI Flexi Cap Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 4.6%#22 of 42 · avg 4.6% | 15.9%Best#1 of 42 · avg 4.6% |
| 3 yearsPer year, over a full market mood swing | 15.8%#12 of 36 · avg 14.1% | 19.8%Best#1 of 36 · avg 14.1% |
| 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 | 13.9%Bestcategory avg 14.5% | 16.5%category avg 14.5% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −15.6%Bestcategory avg −26.3% | −21.4%category avg −26.3% |
| Best 12 monthsIts strongest year | 49.3% | 59.2%Best |
| Worst 12 monthsIts weakest year | -4.5%Best | -6.1% |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 97%Best | 92% |
| 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 | 0.83%Best | 0.91% |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹9,325 Cr | ₹1,588 Cr |
| Minimum SIPSmallest monthly amount | ₹100Best | ₹500 |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
AWhiteOak Capital Flexi Cap Fund
Might suit you if…
- a smoother ride matters more to you than the top return
- you may need the money at short notice and want better odds of being in profit
- you care about keeping costs low, which adds up over decades
BITI Flexi Cap Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls