ITI ELSS Tax Saver Fund vs WhiteOak Capital ELSS Tax Saver Fund
ITI ELSS Tax Saver Fund (Direct) and WhiteOak Capital ELSS Tax Saver Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are ELSS schemes — see the best elss (tax saving) mutual funds for the full ranking.
Head to head
NAVs as of 20 Aug 2026
Growth of ₹100 (rebased over the selected window)
Common period 17 Oct 2022 – 20 Aug 2026, limited by WhiteOak Capital ELSS Tax Saver Fund. Every series is rebased to ₹100 at the start of this window. Benchmark lines are the category index WealthTicker measures against, which is not always the benchmark the scheme itself declares — the fund page’s Scheme Info names that one.
View as table
| Date | ITI ELSS Tax Saver Fund | WhiteOak Capital ELSS Tax Saver Fund | Nifty 500 |
|---|---|---|---|
| 17 Oct 2022 | ₹100.00 | ₹100.00 | ₹100.00 |
| 11 Feb 2023 | ₹102.53 | ₹100.13 | ₹100.74 |
| 08 Jun 2023 | ₹110.17 | ₹107.83 | ₹106.81 |
| 03 Oct 2023 | ₹123.15 | ₹120.62 | ₹115.75 |
| 28 Jan 2024 | ₹147.73 | ₹136.21 | ₹130.10 |
| 24 May 2024 | ₹171.60 | ₹152.09 | ₹144.13 |
| 18 Sep 2024 | ₹193.13 | ₹175.96 | ₹160.33 |
| 12 Jan 2025 | ₹169.70 | ₹171.75 | ₹146.24 |
| 09 May 2025 | ₹164.87 | ₹167.80 | ₹145.41 |
| 03 Sep 2025 | ₹181.27 | ₹181.58 | ₹153.39 |
| 29 Dec 2025 | ₹186.44 | ₹184.99 | ₹158.87 |
| 25 Apr 2026 | ₹182.73 | ₹176.53 | ₹151.41 |
| 20 Aug 2026 | ₹198.58 | ₹194.81 | ₹157.74 |
Portfolio overlap (same stocks held through more than one fund)
Some overlap is structural: SEBI defines large cap as the top 100 stocks by market capitalisation, so two large-cap funds are fishing the same pond by regulation. The bands below are measured per sleeve pairing rather than against one blanket threshold. How this is measured →
ITI ELSS Tax Saver Fund and WhiteOak Capital ELSS Tax Saver Fund share 19% of their equity book by weight.
Shared holdings — ITI ELSS Tax Saver Fund vs WhiteOak Capital ELSS Tax Saver Fund
| Stock | ITI ELSS Tax Saver Fund | WhiteOak Capital ELSS Tax Saver Fund | |
|---|---|---|---|
| HDFC Bank Ltd | 3.90% | 6.45% | 3.90% |
| Mahindra & Mahindra Ltd | 2.32% | 2.60% | 2.32% |
| Bharti Airtel Ltd | 2.10% | 4.18% | 2.10% |
| ICICI Bank Ltd | 1.95% | 8.69% | 1.95% |
| State Bank of India | 2.52% | 1.65% | 1.65% |
| Kotak Mahindra Bank Ltd | 0.78% | 2.50% | 0.78% |
| Larsen & Toubro Ltd | 1.71% | 0.73% | 0.73% |
| Zomato Ltd | 0.63% | 2.42% | 0.63% |
| Axis Bank Ltd | 2.97% | 0.60% | 0.60% |
| S.J.S Enterprises Ltd | 0.58% | 0.62% | 0.58% |
| Five-Star Business Finance Ltd | 1.17% | 0.57% | 0.57% |
| NTPC Ltd | 1.63% | 0.54% | 0.54% |
| PNB Housing Finance Ltd | 1.72% | 0.52% | 0.52% |
| Bajaj Finance Ltd | 2.68% | 0.47% | 0.47% |
| Karur Vysya Bank Ltd | 1.11% | 0.42% | 0.42% |
5 more stocks in common. 20 shared of 71 / 135 positions. Weights are shown as a share of each fund's equity book.
| Metric | ITI · Direct NAV ₹29.31 Very High risk ★★★★☆ | WhiteOak Capital · Direct NAV ₹19.60 Very High risk ★★★★★ | Category median ELSS · 51 funds |
|---|---|---|---|
| +8.43%Best in row | +6.43% | +3.05% | |
| +19.54%Best in row | +18.81% | +14.46% | |
| +15.20% | — | +13.60% | |
| +16.97% | +18.96%Best in row | +14.97% | |
| +16.43%Best in row | +16.22% | — | |
| +20.57% | +20.67%Best in row | +16.84% | |
| +19.07% | — | +17.15% | |
| Risk | |||
| 17.49% | 14.19%Best in row | 14.19% | |
| 0.74 | 0.87Best in row | 0.52 | |
| 1.02 | 1.19Best in row | 0.70 | |
| -38.49% | -16.36%Best in row | -35.94% | |
| +5.51% | +5.87%Best in row | +1.57% | |
| 1.23 | 0.93 | 0.97 | |
| 137.2%Best in row | 110.2% | 102.3% | |
| 122.1% | 80.1%Best in row | 93.6% | |
| 0.90% | 0.87%Best in row | 1.06% | |
| ₹427.06Cr | ₹453.00Cr | ₹765.87Cr | |
| None | 3 years | — | |
| 443% | 35% | 34% | |
| Alok Ranjan | Dheeresh Pathak · 2.4y | — | |
| 25 Oct 2019 | 17 Oct 2022 | — | |
| 71 | 135 | — | |
| 26.4% | 36.3% | — | |
| 2.4% | 0.4% | — | |
6 rows carry the same value for every fund — show
- 10Y return (CAGR)
- —
- 10Y rolling avg
- —
- Benchmark
- Nifty 500
- Exit load
- None
- Min SIP
- ₹500
- Min lumpsum
- ₹500
Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — ITI ELSS Tax Saver Fund or WhiteOak Capital ELSS Tax Saver Fund?
Over the last 3 years, ITI ELSS Tax Saver Fund returned +19.54% CAGR against WhiteOak Capital ELSS Tax Saver Fund's +18.81%, computed from AMFI NAV history. Past returns don't guarantee future performance.
Which fund is cheaper — ITI ELSS Tax Saver Fund or WhiteOak Capital ELSS Tax Saver Fund?
WhiteOak Capital ELSS Tax Saver Fund has the lower expense ratio: ITI ELSS Tax Saver Fund charges 0.90% a year against WhiteOak Capital ELSS Tax Saver Fund's 0.87%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — ITI ELSS Tax Saver Fund or WhiteOak Capital ELSS Tax Saver Fund?
ITI ELSS Tax Saver Fund has shown higher volatility (+17.49% annualized vs WhiteOak Capital ELSS Tax Saver Fund's +14.19%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: ITI ELSS Tax Saver Fund -22.61% vs WhiteOak Capital ELSS Tax Saver Fund -16.36%.
Which fund manages more money — ITI ELSS Tax Saver Fund or WhiteOak Capital ELSS Tax Saver Fund?
WhiteOak Capital ELSS Tax Saver Fund is the larger fund: ITI ELSS Tax Saver Fund manages ₹427.06Cr against WhiteOak Capital ELSS Tax Saver Fund's ₹453.00Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are ITI ELSS Tax Saver Fund and WhiteOak Capital ELSS Tax Saver Fund in the same category?
Yes — both are ELSS schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.