WOC Digital Bharat Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?
- September 11, 2026
- Posted by: Chaitanya Auti
- Category: Mutual Funds
WOC Digital Bharat Fund Direct Growth Plan has a NAV of ₹10.451 as of 10 Sep 2026 and a scheme AUM of ₹520 Cr. Its 1-year, 3-year and 5-year returns are -2.16%, 0% and 0%, and the fund is marked High Risk. Our view is that this is a specialised equity fund with a concentrated stock-led structure, so it suits investors who can accept uneven near-term outcomes in exchange for the possibility of sharper long-term participation if the underlying themes work out.
The portfolio is led by telecom and technology names, with Bharti Airtel and a cluster of IT holdings doing much of the heavy lifting. That profile makes the fund more dependent on a small set of positions than a broad market strategy, so it is better viewed as a focused satellite allocation than a core holding.
Quick facts
| Particular | Details |
|---|---|
| NAV | ₹10.451 as of 10 Sep 2026 |
| AUM | ₹520 Cr |
| Expense Ratio | 0.65% |
| Launch Date | 11 Oct 2024 |
| Min SIP | ₹100 |
| Risk Category | High Risk |
| Benchmark | Nifty 50 |
| Fund Category | Equity |
| Exit Load | 1% on or before 1M, Nil after 1M |
| Fund Managers | Ramesh Mantri, Trupti Agrawal, Dheeresh Pathak, Piyush Baranwal |
The fund is managed by Ramesh Mantri, Trupti Agrawal, Dheeresh Pathak, and Piyush Baranwal.
Source data date: as of 10 Sep 2026
Performance
| Period | Fund return | Benchmark return |
|---|---|---|
| 1M | -2.33% | -4.06% |
| 3M | 13.49% | 1.37% |
| 1Y | -2.16% | -7.31% |
| 3Y | Data not available | Data not available |
| 5Y | Data not available | Data not available |
The recent pattern is uneven, but the 3-month stretch stands out as the strongest part of the record. The fund gained 13.49% over 3 months, well ahead of the Nifty 50’s 1.37%, which suggests the portfolio has been able to capture pockets of market strength when its preferred holdings move in its favour. That kind of short burst is useful, but it also means the path can be choppy, as the 1-month figure slipped back to -2.33%.
The 1-year figure is still negative at -2.16%, although it is materially better than the benchmark’s -7.31%. Our read is that the fund has held up better than the Nifty 50 during a difficult year, even if it has not yet delivered a clean positive 12-month outcome. Because the scheme was launched in October 2024, there is no completed 3-year or 5-year return history to assess yet.
That limited history matters. The return record does not yet show a mature long-term compounding pattern, so the main evidence available is short-term behaviour and how it has fared against the benchmark during stress. On that basis, the fund has been more resilient than the index over 1 year, while also showing a stronger recent 3-month run. The trade-off is that the same concentrated style can also produce softer short stretches, which is visible in the latest 1-month pullback.
Source data date: as of 10 Sep 2026
Should you BUY or HOLD WOC Digital Bharat?
A fund’s past returns alone don’t tell you whether you should buy it today or continue holding it.
The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.
Already holding WOC Digital Bharat? Thinking of investing now?
Peer comparison
| Fund | 1Y return | 3Y return | 5Y return |
|---|---|---|---|
| WOC Digital Bharat Fund Direct Growth Plan | -2.16% | Data not available | Data not available |
| ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan | 73.94% | 37.12% | Data not available |
| Motilal Oswal Active Momentum Fund Direct Growth Plan | 29.94% | Data not available | Data not available |
| Kotak Healthcare Fund Direct Growth Plan | 29.26% | Data not available | Data not available |
| HDFC Pharma and Healthcare Fund Direct Growth Plan | 28.3% | Data not available | Data not available |
| SBI Automotive Opportunities Fund Direct Growth Plan | 27.13% | Data not available | Data not available |
This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.
On 1-year numbers, the fund trails the strongest peer returns by a wide margin and is the only one in this group with a negative 1-year figure. The picture changes when we look at the fund against its own benchmark, because it has still done better than the Nifty 50 over the same period. That combination suggests the fund has been defensive relative to the index, but not yet competitive with the sharper recent runs seen elsewhere in the peer set.
Because the scheme is too new for completed 3-year and 5-year records, the peer table does not yet offer a fair long-horizon comparison. For now, the short-term comparison says more about style than about durable compounding. The fund’s recent resilience versus the index is real, but the available peer data also shows that several comparable equity strategies have produced much stronger recent 1-year outcomes.
Source data date: as of 10 Sep 2026
Want to know more? Log in to Univest for more mutual fund insights.
Portfolio: where your money goes
| Holding | Sector | Weight |
|---|---|---|
| Bharti Airtel Limited | Telecom | 16.73% |
| Eternal Limited | Retailing | 7.6% |
| Coforge Limited | IT | 5.49% |
| PB Fintech Limited | IT | 4.81% |
| Clearing Corporation of India Ltd | Cash & Cash Equivalents and Net Assets | 4.43% |
| Info Edge (India) Limited | IT | 4.16% |
| Infosys Limited | IT | 4.1% |
| Persistent Systems Limited | IT | 3.57% |
| Eclerx Services Limited | IT | 3.27% |
| Tata Consultancy Services Limited | IT | 3.04% |
The top 10 holdings account for approximately 57.2% of the portfolio.
To see all holdings, visit the WOC Digital Bharat Fund Direct Growth Plan page
The largest position, Bharti Airtel Limited at 16.73%, is meaningfully larger than the next holding and is likely to have greater influence on day-to-day fund movement. The gap from the first holding to the tenth is also wide: Tata Consultancy Services Limited is 3.04%, which shows that the portfolio is not evenly spread across its biggest names. That pattern supports a focused style rather than a broad, index-like spread.
The top 10 holdings together make up 57.2% of the portfolio, while the disclosed list contains 36 holdings in total. That combination suggests a reasonably long tail beyond the largest names, but the visible sleeve is still concentrated in a handful of positions. In practice, that means the fund’s outcome may be shaped more by a limited set of holdings than by a wide basket, especially because IT names appear repeatedly alongside the top telecom and retail positions.
Source data date: as of 10 Sep 2026
Who should invest
This fund fits investors who are comfortable with High Risk equity exposure and can live with short-term swings. The limited track record, negative 1-year return and strong 3-month rebound tell us the scheme can move sharply in both directions, even though it has held up better than the Nifty 50 over 1 year.
Our view is that it makes more sense for a medium- to long-term horizon and for investors who want a focused, theme-leaning equity allocation rather than a broad market core. The main trade-off is between the possibility of stronger upside from a concentrated portfolio and the chance of uneven near-term performance when the favoured sectors cool off.
Tax and exit load
| Holding period | Tax rate | Description |
|---|---|---|
| Units held less than 1 year | 20% | Short-term capital gains tax |
| Units held more than 1 year | 12.5% | Long-term capital gains tax |
Exit load: 1% if units are sold within 1 month; nil after 1 month.
Source data date: as of 10 Sep 2026
Frequently asked questions
What is the current NAV of WOC Digital Bharat Fund Direct Growth Plan?
The current NAV is ₹10.451 as of 10 Sep 2026.
How has WOC Digital Bharat Fund Direct Growth Plan performed over 1 year?
Its 1-year return is -2.16%, while the Nifty 50 benchmark is at -7.31% over the same period. That means the fund has held up better than the benchmark, even though the year is still in negative territory.
What are the 3-year and 5-year returns?
The 3-year return is Data not available and the 5-year return is Data not available. The scheme was launched on 11 Oct 2024, so a full 3-year or 5-year history is not yet available.
How does it compare with peer funds on recent performance?
Its 1-year return of -2.16% trails the peer funds listed here, which have positive 1-year returns ranging from 27.13% to 73.94%. The fund still compares better with the Nifty 50 benchmark than with those peers.
What is the minimum SIP amount?
The minimum SIP amount is ₹100.
Who manages the fund and what is the exit load?
The fund is managed by Ramesh Mantri, Trupti Agrawal, Dheeresh Pathak, and Piyush Baranwal. The exit load is 1% if units are sold within 1 month, and nil after 1 month.
Bottom line
WOC Digital Bharat Fund Direct Growth Plan has shown a sharper recent 3-month recovery, but its 1-year return is still negative and the scheme is too new for completed 3-year or 5-year history. It has done better than the Nifty 50 over 1 year, yet the available peer comparisons show much stronger recent gains elsewhere. The portfolio is focused, with Bharti Airtel and a cluster of IT holdings carrying meaningful weight, so this is best viewed as a concentrated, High Risk equity option for investors who can tolerate uneven short-term outcomes.
Published on 11 September 2026 at 6:30 PM IST
Explore mutual funds with Univest
Review mutual fund data, compare performance and explore fund insights on Univest.
RIA disclosure
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.