ELSS comparison
WhiteOak Capital ELSS Tax Saver Fund vs HSBC ELSS Tax saver Fund
Over the last 3 years, WhiteOak Capital ELSS Tax Saver Fund returned 12.7% a year versus 13.9% for HSBC ELSS Tax saver Fund. The category average was 8.8%. In its deepest fall over the same period, WhiteOak Capital ELSS Tax Saver Fund dropped 6.3% versus 7.1% for HSBC ELSS Tax saver Fund. Qonfido rates WhiteOak Capital ELSS Tax Saver Fund Premier and HSBC ELSS Tax saver Fund Premier within the ELSS peer group.
Ratings and metrics as of
At a glance
Higher 3-year return
HSBC ELSS Tax saver Fund
Smaller worst fall
WhiteOak Capital ELSS Tax Saver Fund
Smoother ride (higher Sharpe)
About level
Head-to-head
Swap either fund or add a third to see how they line up.
WhiteOak Capital ELSS Tax Saver
ELSS
2/4
rounds won
HSBC ELSS Tax saver
ELSS
1/4
rounds won
Round by round
Three questions in one shape. A bigger triangle = stronger all round.
- WhiteOak Capital ELSS Tax Saver
- HSBC ELSS Tax saver
Growth
Who grew money faster?
Average yearly return over the last 3 years.
12.7%13.9%✓Dip protection
Who fell less in the worst dip?
Biggest fall from a peak in the period. Smaller hurts less.
-6.3%✓-7.1%Smooth ride
Who gave a smoother ride?
Return earned for every unit of ups and downs. Higher is smoother.
0.60✓0.58
Qonfido rating
Quality vs peers in the same category. Premier is the top tier.
Same tier
What matters most to you?
Quick take for “Balanced”
WhiteOak Capital ELSS Tax Saver comes out ahead — it fell less in bad markets and gave a smoother ride for the return.
Based on the last 3 years of data. A starting point for research, not advice.
What could your money become?
If each fund repeated its last 3 years. Drag to try.
You’d put in ₹12.00 L. HSBC ELSS Tax saver ends about ₹1.71 L ahead — that’s roughly 17 months of your SIP.
Illustration only. Past returns rarely repeat exactly.
Key numbers
| Metric | WhiteOak Capital ELSS Tax Saver Fund | HSBC ELSS Tax saver Fund |
|---|---|---|
| Qonfido rating | Premier | Premier |
| 3Y return (CAGR) | 12.7% | 13.9% |
| Worst fall (max drawdown) | 6.3% | 7.1% |
| Sharpe ratio (3Y) | 0.60 | 0.58 |
| Beta (3Y) | 0.94 | 1.10 |
| Fund size (AUM) | ₹405 Cr | ₹3,220 Cr |
| Category average 3Y return | 8.8% | |
Frequently asked questions
Which is better, WhiteOak Capital ELSS Tax Saver Fund or HSBC ELSS Tax saver Fund?
Neither fund is better for every investor. Based on data as of 11 Oct 2026. Over the last 3 years, WhiteOak Capital ELSS Tax Saver Fund returned 12.7% a year versus 13.9% for HSBC ELSS Tax saver Fund. The category average was 8.8%. In its deepest fall over the same period, WhiteOak Capital ELSS Tax Saver Fund dropped 6.3% versus 7.1% for HSBC ELSS Tax saver Fund. Qonfido rates WhiteOak Capital ELSS Tax Saver Fund Premier and HSBC ELSS Tax saver Fund Premier within the ELSS peer group. Which fits depends on your goal, time horizon and comfort with falls. This comparison is educational research support, not personalised investment advice. Past performance does not indicate future returns.
Which has given higher returns, WhiteOak Capital ELSS Tax Saver Fund or HSBC ELSS Tax saver Fund?
Based on data as of 11 Oct 2026. Over the last 3 years, WhiteOak Capital ELSS Tax Saver Fund returned 12.7% a year versus 13.9% for HSBC ELSS Tax saver Fund. The category average was 8.8%. This comparison is educational research support, not personalised investment advice. Past performance does not indicate future returns.
Which is less risky, WhiteOak Capital ELSS Tax Saver Fund or HSBC ELSS Tax saver Fund?
Based on data as of 11 Oct 2026. In its deepest fall over the same period, WhiteOak Capital ELSS Tax Saver Fund dropped 6.3% versus 7.1% for HSBC ELSS Tax saver Fund. Sharpe ratio, a measure of return per unit of volatility, was 0.60 for WhiteOak Capital ELSS Tax Saver Fund and 0.58 for HSBC ELSS Tax saver Fund. Lower falls and a higher Sharpe ratio point to a smoother past ride, not a guarantee.
What is the Qonfido rating of WhiteOak Capital ELSS Tax Saver Fund and HSBC ELSS Tax saver Fund?
Qonfido rates WhiteOak Capital ELSS Tax Saver Fund Premier and HSBC ELSS Tax saver Fund Premier within the ELSS peer group. Ratings compare funds with their category peers on risk-adjusted consistency and are explained on the Qonfido rating methodology page.
Should I invest in both WhiteOak Capital ELSS Tax Saver Fund and HSBC ELSS Tax saver Fund?
Both funds sit in the ELSS category, so their portfolios can overlap and holding both may add limited diversification. Review holdings overlap, costs and your overall allocation before combining them. This comparison is educational research support, not personalised investment advice. Past performance does not indicate future returns.
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Comparisons are educational research support only. They are not personalised investment advice, suitability assessments, or predictions of returns. Mutual fund investments are subject to market risks. Read scheme documents and consider your goals, horizon, and risk tolerance before investing.