WOC Large Cap Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?
- September 21, 2026
- Posted by: Chaitanya Auti
- Category: Mutual Funds
WOC Large Cap Fund Direct Growth Plan has a NAV of ₹15.547 as of 18 Sep 2026 and an AUM of ₹1,275 Cr. Its 1-year, 3-year and 5-year returns are -2.16%, 12.46% and 0%, and the scheme sits in the High Risk bucket. Our view is that this is a large-cap equity fund that has shown a mixed near-term pattern: the medium-term track record is positive, but the latest 1-year stretch has been weaker than the longer-run pace and has also trailed the benchmark.
That makes it more suitable for investors who can accept equity volatility and want large-cap exposure with a benchmark-aware portfolio mix. The portfolio is led by banks and other large companies, which may help keep stock-specific risk in check, but the fund’s short-term swings still matter.
Quick facts
| Particular | Details |
|---|---|
| NAV | ₹15.547 as of 18 Sep 2026 |
| AUM | ₹1,275 Cr |
| Expense Ratio | 0.57% |
| Launch Date | 01 Dec 2022 |
| 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, Piyush Baranwal, Dheeresh Pathak |
The fund is managed by Ramesh Mantri, Trupti Agrawal, Piyush Baranwal and Dheeresh Pathak.
Source data date: as of 18 Sep 2026
Performance
| Period | Fund return | Benchmark return |
|---|---|---|
| 1M | -3.36% | -3.73% |
| 3M | -0.19% | -3.14% |
| 1Y | -2.16% | -5.31% |
| 3Y | 12.46% | 6.3% |
| 5Y | Data not available | Data not available |
The recent picture is softer than the 3-year record. Over 1 month and 3 months, the fund stayed close to the benchmark’s weakness, but it held up a little better than the index in both windows. The 1-year return is still negative, which means the fund has not been able to turn the last year into a positive result even though it did less poorly than Nifty 50.
The longer view is more encouraging. A 3-year return of 12.46% against the benchmark’s 6.3% suggests the fund has added value over a full market cycle, even if the path has not been smooth. The pattern in the return path shows a clear drawdown and recovery sequence rather than a straight climb, so investors should expect phases of weakness even when the medium-term outcome is better than the benchmark.
What matters most here is the gap between the short and medium term. The fund’s latest period does not yet confirm sustained momentum, but the 3-year number shows that the strategy has been capable of compounding better than the benchmark over a longer window. That mix makes it a watchful rather than a steady-line story.
Source data date: as of 18 Sep 2026
Should you BUY or HOLD WOC Large Cap?
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 Large Cap? Thinking of investing now?
Peer comparison
| Fund | 1Y return | 3Y return | 5Y return |
|---|---|---|---|
| WOC Large Cap Fund Direct Growth Plan | -2.16% | 12.46% | Data not available |
| Quant Large Cap Fund Direct Growth Plan | 5.68% | 13.38% | Data not available |
| Taurus Large Cap Fund Direct Growth Plan | 5.13% | 12.12% | 10.03% |
| Bank of India Large Cap Fund Direct Growth Plan | 2.84% | 12.32% | 9.48% |
| Invesco India Largecap Fund Direct Growth Plan | 1.3% | 13.44% | 11.38% |
| JioBlackRock Large Cap Fund Direct Growth Plan | Data not available | Data not available | Data not available |
This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.
The fund’s 1-year return trails the available peer set, while its 3-year return sits in the same broad range as several peers. Quant Large Cap Fund Direct Growth Plan and Invesco India Largecap Fund Direct Growth Plan both show stronger 1-year figures, and Invesco also edges ahead on 3-year return. Taurus Large Cap Fund Direct Growth Plan and Bank of India Large Cap Fund Direct Growth Plan are closer on 3-year results, but still show better recent 1-year numbers than this fund. The longer-term comparison is therefore more balanced than the short-term one.
Source data date: as of 18 Sep 2026
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Portfolio: where your money goes
| Holding | Sector | Weight |
|---|---|---|
| ICICI Bank Limited | Bank | 10.01% |
| HDFC Bank Limited | Bank | 5.99% |
| Bharti Airtel Limited | Telecom | 5.16% |
| Clearing Corporation of India Ltd | Cash & Cash Equivalents and Net Assets | 5.03% |
| Nestle India Limited | FMCG | 4.76% |
| State Bank of India | Bank | 3.51% |
| Mahindra & Mahindra Limited | Automobile & Ancillaries | 3.44% |
| Kotak Mahindra Bank Limited | Bank | 3.24% |
| Eternal Limited | Retailing | 3.19% |
| Reliance Industries Limited | Crude Oil | 3.05% |
The top 10 holdings account for approximately 47.38% of the portfolio.
To see all holdings, visit the WOC Large Cap Fund Direct Growth Plan page
The largest holding, ICICI Bank Limited, is 10.01%, so it can have a noticeable influence on day-to-day movement. After that, the weights step down fairly quickly into the 5% range and then into the 3% range, which suggests the fund does not rely on just one or two positions alone.
The top 10 holdings together make up 47.38% of the portfolio, so almost half the disclosed allocation sits in a relatively small set of stocks while the remaining part is spread across 58 holdings in total. That mix may soften single-stock dependence, but it still leaves the fund with meaningful exposure to its largest names. The presence of four banks among the top holdings also points to a portfolio that could be influenced by financial-sector trends even though we are not inferring any sector totals.
Overall, the structure looks moderately concentrated at the top with a longer tail beneath it. That profile may suit investors who are comfortable with a large-cap fund that keeps significant weight in a few dominant names while still holding a broad spread across the rest of the portfolio.
Source data date: as of 18 Sep 2026
Who should invest
This fund fits investors who can handle High Risk equity volatility and stay invested for a longer horizon. The 3-year return has been meaningfully better than the benchmark, but the 1-year return is negative, so the ride has not been smooth.
Our view is that it may suit someone who wants large-cap exposure and is comfortable with a portfolio that leans heavily on a handful of big holdings. The main trade-off is between the possibility of better medium-term compounding and the chance of weak shorter stretches that can test patience.
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; no exit load after that holding period.
Source data date: as of 18 Sep 2026
Frequently asked questions
What is the current NAV of WOC Large Cap Fund Direct Growth Plan?
Its NAV is ₹15.547 as of 18 Sep 2026.
What are the 1-year, 3-year and 5-year returns?
The fund’s 1-year return is -2.16%, its 3-year return is 12.46%, and its 5-year return is Data not available.
How does it compare with the benchmark?
It has done better than Nifty 50 over 1 month, 3 months and 1 year, and it has also outpaced the benchmark over 3 years. The 5-year figure is not available.
How does it compare with peer funds on recent returns?
Its 1-year return is weaker than the available peer returns from Quant Large Cap Fund Direct Growth Plan, Taurus Large Cap Fund Direct Growth Plan, Bank of India Large Cap Fund Direct Growth Plan and Invesco India Largecap Fund Direct Growth Plan. Over 3 years, it sits in the same general range as those peers.
Is there a minimum SIP amount?
Yes. 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, Piyush Baranwal and Dheeresh Pathak. The exit load is 1% if units are sold within 1 month, and there is no exit load after that holding period.
Bottom line
WOC Large Cap Fund Direct Growth Plan shows a clear split between weaker recent performance and a stronger 3-year record. It has also lagged the better recent peer returns, though the longer-term comparison is more even. The High Risk tag, the sizeable top holdings and the strong bank exposure at the top make it a fund for investors who can tolerate swings. The case here is for large-cap equity exposure with a medium-term lens, not for short-term stability.
Published on 21 September 2026 at 9:53 AM IST
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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.