WhiteOak Capital ELSS Tax Saver Fund vs HSBC ELSS Tax saver Fund
WhiteOak Capital ELSS Tax Saver Fund (Direct) and HSBC 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 09 Nov 2026
Growth of ₹100 (rebased over the selected window)
Common period 28 Nov 2022 – 09 Nov 2026, limited by HSBC 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 | WhiteOak Capital ELSS Tax Saver Fund | HSBC ELSS Tax saver Fund | Nifty 500 TRI |
|---|---|---|---|
| 28 Nov 2022 | ₹100.00 | ₹100.00 | ₹100.00 |
| 28 Mar 2023 | ₹90.94 | ₹93.60 | ₹90.44 |
| 26 Jul 2023 | ₹111.34 | ₹110.84 | ₹108.51 |
| 24 Nov 2023 | ₹120.64 | ₹116.93 | ₹113.26 |
| 23 Mar 2024 | ₹134.72 | ₹131.96 | ₹128.83 |
| 21 Jul 2024 | ₹157.64 | ₹159.35 | ₹147.76 |
| 18 Nov 2024 | ₹162.70 | ₹160.00 | ₹142.10 |
| 18 Mar 2025 | ₹154.98 | ₹148.98 | ₹134.57 |
| 16 Jul 2025 | ₹177.42 | ₹171.92 | ₹153.48 |
| 14 Nov 2025 | ₹182.33 | ₹173.91 | ₹156.47 |
| 14 Mar 2026 | ₹158.66 | ₹155.73 | ₹140.95 |
| 12 Jul 2026 | ₹181.97 | ₹177.68 | ₹154.41 |
| 09 Nov 2026 | ₹188.13 | ₹179.79 | ₹155.90 |
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 →
- 110 stocks only in WhiteOak Capital ELSS Tax Saver Fund
- 31 stocks in both — 28.6% of each portfolio by weight
- 48 stocks only in HSBC ELSS Tax saver Fund
The more the circles overlap, the more the funds hold the same stocks.
WhiteOak Capital ELSS Tax Saver Fund and HSBC ELSS Tax saver Fund share 29% of their equity book by weight.
Shared holdings — WhiteOak Capital ELSS Tax Saver Fund vs HSBC ELSS Tax saver Fund
| Stock | WhiteOak Capital ELSS Tax Saver Fund | HSBC ELSS Tax saver Fund | |
|---|---|---|---|
| ICICI Bank Limited | 8.37% | 4.04% | 4.04% |
| HDFC Bank Limited | 4.08% | 3.20% | 3.20% |
| Eternal Limited | 2.90% | 2.48% | 2.48% |
| Reliance Industries Limited | 2.39% | 2.92% | 2.39% |
| Bharti Airtel Limited | 4.02% | 2.04% | 2.04% |
| State Bank of India | 2.54% | 1.93% | 1.93% |
| Axis Bank Limited | 1.39% | 1.86% | 1.39% |
| Persistent Systems Limited | 1.29% | 1.21% | 1.21% |
| Bharat Electronics Limited | 1.67% | 0.89% | 0.89% |
| Coforge Limited | 1.92% | 0.85% | 0.85% |
| Mahindra & Mahindra Limited | 2.48% | 0.84% | 0.84% |
| Tech Mahindra Limited | 0.76% | 1.06% | 0.76% |
| Larsen & Toubro Limited | 0.66% | 2.27% | 0.66% |
| PNB Housing Finance Limited | 0.61% | 2.00% | 0.61% |
| National Aluminium Company Limited | 0.54% | 0.52% | 0.52% |
16 more stocks in common. 31 shared of 141 / 79 positions. Weights are shown as a share of each fund's equity book.
What differs, in plain wordsAI
| Metric | WhiteOak Capital · Direct NAV ₹19.64 Very High risk ★★★★★ | HSBC · Direct NAV ₹156.09 Very High risk ★★★★☆ | Category median ELSS · 50 funds |
|---|---|---|---|
| +4.88% | +4.94% | +1.38% | |
| +16.98%Best in row | +16.46% | +12.53% | |
| +17.90% | +16.02% | +14.58% | |
| +19.42%Best in row | +18.13% | +16.95% | |
| Risk | |||
| 14.33%Best in row | 16.80% | 14.46% | |
| 0.73Best in row | 0.59 | 0.41 | |
| 1.00Best in row | 0.81 | 0.57 | |
| -16.36% | -19.21% | -36.01% | |
| +4.71%Best in row | +4.30% | +0.33% | |
| 0.95 | 1.02 | 0.96 | |
| 112.5% | 120.1%Best in row | 96.8% | |
| 91.6%Best in row | 105.3% | 96.5% | |
| 0.86%Best in row | 1.21% | 1.07% | |
| ₹494.27Cr | ₹4,126Cr | ₹859.27Cr | |
| 35% | 15% | 35% | |
| Dheeresh Pathak · 2.6y | Abhishek Gupta · 2.7y | — | |
| 14 Oct 2022 | 27 Feb 2006 | — | |
| 141 | 79 | — | |
| 34.0% | 28.3% | — | |
| 2.6% | 1.8% | — | |
10 rows carry the same value for every fund — show
- 5Y return (CAGR)
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- 10Y return (CAGR)
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- 5Y SIP XIRR
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- 5Y rolling avg
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- 10Y rolling avg
- —
- Benchmark
- Nifty 500 TRI
- Exit load
- None
- Lock-in
- 3 years
- 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 — WhiteOak Capital ELSS Tax Saver Fund or HSBC ELSS Tax saver Fund?
Over the last 3 years, WhiteOak Capital ELSS Tax Saver Fund returned +16.98% CAGR against HSBC ELSS Tax saver Fund's +16.46%, computed from AMFI NAV history. Past returns don't guarantee future performance.
Which fund is cheaper — WhiteOak Capital ELSS Tax Saver Fund or HSBC ELSS Tax saver Fund?
WhiteOak Capital ELSS Tax Saver Fund has the lower expense ratio: WhiteOak Capital ELSS Tax Saver Fund charges 0.86% a year against HSBC ELSS Tax saver Fund's 1.21%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — WhiteOak Capital ELSS Tax Saver Fund or HSBC ELSS Tax saver Fund?
HSBC ELSS Tax saver Fund has shown higher volatility (+16.80% annualized vs WhiteOak Capital ELSS Tax Saver Fund's +14.33%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: WhiteOak Capital ELSS Tax Saver Fund -16.36% vs HSBC ELSS Tax saver Fund -19.21%.
Which fund manages more money — WhiteOak Capital ELSS Tax Saver Fund or HSBC ELSS Tax saver Fund?
HSBC ELSS Tax saver Fund is the larger fund: WhiteOak Capital ELSS Tax Saver Fund manages ₹494.27Cr against HSBC ELSS Tax saver Fund's ₹4,126Cr 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 WhiteOak Capital ELSS Tax Saver Fund and HSBC 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.