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Bank Of India Aggressive Hybrid Fund - Direct Plan Growth vs WhiteOak Capital Aggressive Hybrid Fund Direct Plan Growth
Bank Of India Aggressive Hybrid Fund and WhiteOak Capital Aggressive Hybrid Fund are both in the Aggressive Hybrid Fund category, from Bank of India Investment Managers Private Limited and WhiteOak Capital Asset Management Limited respectively. Bank Of India Aggressive Hybrid Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
Bank Of India Aggressive Hybrid Fund has the lower direct-plan expense ratio, by 0.49 percentage points.
| Bank Of India Aggressive Hybrid Fund - Direct Plan Growth | WhiteOak Capital Aggressive Hybrid Fund Direct Plan Growth | |
|---|---|---|
| Category | Aggressive Hybrid Fund | Aggressive Hybrid Fund |
| AMC | Bank of India Investment Managers Private Limited | WhiteOak Capital Asset Management Limited |
| Benchmark | CRISIL Hybrid 25+75 - Aggressive Index | CRISIL Hybrid 35+65 - Aggressive Index |
| NAV | ₹45.3 (2026-10-28) | ₹10.067 (2026-10-28) |
| AUM | ₹2,215.3 Cr | ₹628.48 Cr |
| Expense Ratio (Direct) | 0.86% | 1.35% |
| Inception | 2016-06-29 | 2026-06-08 |
Returns
This fund is less than a year old, so there is not yet enough history to calculate rolling returns.
Risk Metrics
This fund is less than three years old, so a three-year risk history does not exist yet.
Portfolio Analytics
WhiteOak Capital Aggressive Hybrid Fund carries the higher portfolio YTM.
| Bank Of India Aggressive Hybrid Fund - Direct Plan Growth | WhiteOak Capital Aggressive Hybrid Fund Direct Plan Growth | |
|---|---|---|
| P/E Ratio | 30.3782 | 26.0667 |
| P/B Ratio | 9.9087 | - |
| Dividend Yield | 0.6485% | 0.8908% |
| Active Share | - | - |
| Portfolio Turnover | 103% | - |
| YTM | 7.7442% | 7.9047% |
| Duration (Macaulay) | 1.69 yrs | 2.38 yrs |
Punji Fund Health Score
WhiteOak Capital Aggressive Hybrid Fund has the stronger Punji Quality grade of the two.
Frequently asked questions
Which has a lower expense ratio, Bank Of India Aggressive Hybrid Fund or WhiteOak Capital Aggressive Hybrid Fund?
Bank Of India Aggressive Hybrid Fund's direct-plan expense ratio is 0.49 percentage points lower than WhiteOak Capital Aggressive Hybrid Fund's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Why don't Bank Of India Aggressive Hybrid Fund and WhiteOak Capital Aggressive Hybrid Fund show risk metrics like Sharpe ratio or alpha?
This fund is less than three years old, so a three-year risk history does not exist yet. This is a deliberate methodology choice, not missing data - risk metrics like alpha and Sharpe ratio are most meaningful for actively-managed funds where a manager makes decisions that can add or subtract value versus a benchmark. For a fund that mechanically tracks an index, the equivalent useful metric is tracking error (how closely it follows its index), not alpha.
Which has higher AUM, Bank Of India Aggressive Hybrid Fund or WhiteOak Capital Aggressive Hybrid Fund?
Bank Of India Aggressive Hybrid Fund has ₹2,215 Cr in assets under management, versus ₹628 Cr for WhiteOak Capital Aggressive Hybrid Fund. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which has a higher yield to maturity (YTM), Bank Of India Aggressive Hybrid Fund or WhiteOak Capital Aggressive Hybrid Fund?
WhiteOak Capital Aggressive Hybrid Fund's portfolio YTM (7.9047%) is higher than Bank Of India Aggressive Hybrid Fund's. YTM is the weighted-average return a debt fund's current bond holdings would earn if held to maturity, assuming no defaults and coupons reinvested at the same rate - a useful forward-looking yield estimate for debt funds the way rolling CAGR is for equity funds, though it's an estimate based on today's portfolio, not a guaranteed return, and can move as bonds are bought/sold or as interest rates change.
Which has longer duration (more interest-rate sensitivity), Bank Of India Aggressive Hybrid Fund or WhiteOak Capital Aggressive Hybrid Fund?
WhiteOak Capital Aggressive Hybrid Fund has the longer Macaulay duration of the two, meaning its NAV is more sensitive to interest-rate changes - a longer-duration debt fund tends to gain more when rates fall and lose more when rates rise, compared to a shorter-duration fund. Duration is expressed in years but isn't literally about how long you hold the fund; it's a measure of price sensitivity to rate moves. If you expect rates to fall, the longer-duration fund benefits more; if you expect rates to rise or want to minimize that swing, the shorter-duration fund is the more conservative pick.
Which fund has a longer track record, Bank Of India Aggressive Hybrid Fund or WhiteOak Capital Aggressive Hybrid Fund?
Bank Of India Aggressive Hybrid Fund launched on 2016-06-29, making it older than WhiteOak Capital Aggressive Hybrid Fund (launched 2026-06-08). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.