COMPARE
Sundaram Long Term Tax Advantage Fund Series IV Direct Plan - Growth vs WhiteOak Capital ELSS Tax Saver Fund Direct Plan Growth
Sundaram Long Term Tax Advantage Fund Series IV and WhiteOak Capital ELSS Tax Saver Fund are both in the ELSS category, from Sundaram Asset Management Company Ltd and WhiteOak Capital Asset Management Limited respectively. Sundaram Long Term Tax Advantage Fund Series IV has posted a higher 3-year rolling CAGR. WhiteOak Capital ELSS Tax Saver Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
WhiteOak Capital ELSS Tax Saver Fund has the lower direct-plan expense ratio, by 0.15 percentage points.
| Sundaram Long Term Tax Advantage Fund Series IV Direct Plan - Growth | WhiteOak Capital ELSS Tax Saver Fund Direct Plan Growth | |
|---|---|---|
| Category | ELSS | ELSS |
| AMC | Sundaram Asset Management Company Ltd | WhiteOak Capital Asset Management Limited |
| Benchmark | BSE 500 TRI | BSE 500 TRI |
| NAV | ₹33.9948 (2026-10-28) | ₹18.326 (2026-10-28) |
| AUM | ₹19.91 Cr | ₹473.39 Cr |
| Expense Ratio (Direct) | 1.02% | 0.87% |
| Inception | 2018-03-27 | 2022-08-16 |
Returns
Sundaram Long Term Tax Advantage Fund Series IV leads on 3-year rolling CAGR (23.6% vs WhiteOak Capital ELSS Tax Saver Fund's 20.8%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
Sundaram Long Term Tax Advantage Fund Series IV has been the more volatile of the two by standard deviation.
| Sundaram Long Term Tax Advantage Fund Series IV Direct Plan - Growth | WhiteOak Capital ELSS Tax Saver Fund Direct Plan Growth | |
|---|---|---|
| 3Y Sharpe Ratio | 0.05 | 0.45 |
| 3Y Alpha | 0.0205% | 5.6048% |
| 3Y Std Deviation | 17.1516% | 14.1715% |
| 3Y Calmar Ratio | 0.36 | 0.83 |
Portfolio Analytics
Sundaram Long Term Tax Advantage Fund Series IV carries the higher portfolio P/E ratio (a rougher proxy for how richly the underlying holdings are valued) - see the table below for the full comparison.
| Sundaram Long Term Tax Advantage Fund Series IV Direct Plan - Growth | WhiteOak Capital ELSS Tax Saver Fund Direct Plan Growth | |
|---|---|---|
| P/E Ratio | 28.2999 | 25.7771 |
| P/B Ratio | 6.1009 | - |
| Dividend Yield | 0.5798% | 0.8495% |
| Active Share | 97.44% | 59.85% |
| Portfolio Turnover | - | 37% |
| YTM | - | - |
| Duration (Macaulay) | - | - |
Punji Fund Health Score
WhiteOak Capital ELSS Tax Saver Fund has the stronger Punji Quality grade of the two.
Frequently asked questions
Which has a higher 3-year return, Sundaram Long Term Tax Advantage Fund Series IV or WhiteOak Capital ELSS Tax Saver Fund?
Sundaram Long Term Tax Advantage Fund Series IV's 3-year rolling CAGR of 23.6% is higher than WhiteOak Capital ELSS Tax Saver Fund's 20.8%. Sundaram Long Term Tax Advantage Fund Series IV sits in the 100th percentile of its category on this metric, versus the 78th percentile for WhiteOak Capital ELSS Tax Saver Fund - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, Sundaram Long Term Tax Advantage Fund Series IV or WhiteOak Capital ELSS Tax Saver Fund?
WhiteOak Capital ELSS Tax Saver Fund's direct-plan expense ratio is 0.15 percentage points lower than Sundaram Long Term Tax Advantage Fund Series IV'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.
Which fund carries more risk, Sundaram Long Term Tax Advantage Fund Series IV or WhiteOak Capital ELSS Tax Saver Fund?
By standard deviation (a measure of how much a fund's returns swing around its own average), Sundaram Long Term Tax Advantage Fund Series IV has been more volatile than WhiteOak Capital ELSS Tax Saver Fund over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (0.05 for Sundaram Long Term Tax Advantage Fund Series IV vs 0.45 for WhiteOak Capital ELSS Tax Saver Fund) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, Sundaram Long Term Tax Advantage Fund Series IV or WhiteOak Capital ELSS Tax Saver Fund?
WhiteOak Capital ELSS Tax Saver Fund has ₹473 Cr in assets under management, versus ₹20 Cr for Sundaram Long Term Tax Advantage Fund Series IV. 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 fund has a longer track record, Sundaram Long Term Tax Advantage Fund Series IV or WhiteOak Capital ELSS Tax Saver Fund?
Sundaram Long Term Tax Advantage Fund Series IV launched on 2018-03-27, making it older than WhiteOak Capital ELSS Tax Saver Fund (launched 2022-08-16). 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.