WOC Pharma and Healthcare Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?

WOC Pharma and Healthcare Fund Direct Growth Plan has a NAV of ₹17.611 as of 17 Sep 2026 and scheme AUM of ₹902 Cr. Its 1-year, 3-year and 5-year returns are 20.17%, 0% and 0%, and the fund sits in the High Risk category.

Our view is that the fund has shown a strong 1-year run, but the absence of longer track record makes it harder to judge through a full cycle. The portfolio is focused on pharma and healthcare names, so it may suit investors who want sector-specific exposure and can tolerate sharp swings.

Quick facts

Particular	Details
NAV	₹17.611 as of 17 Sep 2026
AUM	₹902 Cr
Expense Ratio	0.65%
Launch Date	06 Feb 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, Dheeresh Pathak, Piyush Baranwal, Ashish Agarwal

The fund is managed by Ramesh Mantri, Dheeresh Pathak, Piyush Baranwal and Ashish Agarwal.

Source data date: as of 17 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	0.18%	-3.66%
3M	10.41%	-3.71%
1Y	20.17%	-7.13%
3Y	Data not available	Data not available
5Y	Data not available	Data not available

The latest one-month movement is modestly positive, which matters because the benchmark was still negative over the same stretch. That kind of relative stability can be useful for a sector fund, but it does not erase the fact that the fund can still move sharply over short windows.

The three-month return is notably stronger than the benchmark, and the one-year figure also stays ahead by a wide margin. That points to a solid recent stretch for the strategy, even though the benchmark has remained weak across the same periods.

Longer-term visibility is limited because 3-year and 5-year returns are not available yet. In practice, that means we can judge recent momentum, but not a full market cycle. For a younger equity scheme, that is an important gap in the evidence base.

The recent pattern suggests recovery and follow-through after earlier uneven phases in the year. Our view is that the fund has been able to participate in the sector’s rebound, while still preserving enough variation day to day to remind investors that this is not a steady, low-volatility product.

Source data date: as of 17 Sep 2026

Should you BUY or HOLD WOC Pharma and Healthcare?

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 Pharma and Healthcare? Thinking of investing now?

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Peer comparison

Fund	1Y return	3Y return	5Y return
WOC Pharma and Healthcare Fund Direct Growth Plan	20.17%	Data not available	Data not available
ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan	69.8%	36.32%	Data not available
HDFC Pharma and Healthcare Fund Direct Growth Plan	25.31%	Data not available	Data not available
Kotak Healthcare Fund Direct Growth Plan	25.27%	Data not available	Data not available
Motilal Oswal Active Momentum Fund Direct Growth Plan	24.51%	Data not available	Data not available
PGIM India Healthcare Fund Direct Growth Plan	22.75%	Data not available	Data not available

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.

Against the peer set’s 1-year figures, this fund sits below the stronger recent performers but still shows a positive result. The gap with the more aggressive metal-and-energy strategy is large, while the gap with the other healthcare names is narrower, which suggests the fund has been competitive without leading the pack on the latest one-year number.

On the longer view, the lack of 3-year and 5-year figures means the comparison tilts toward newer launches. That makes the short-term story more important than any broader cycle judgment. For now, the fund’s recent return profile looks respectable, but it does not yet offer the depth of history that would make the longer comparison equally informative.

Source data date: as of 17 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
Divi'S Laboratories Limited	Healthcare	8.45%
Sun Pharmaceutical Industries Limited	Healthcare	7.4%
Torrent Pharmaceuticals Limited	Healthcare	6.78%
Apollo Hospitals Enterprise Limited	Healthcare	4.73%
Laurus Labs Limited	Healthcare	3.78%
Sai Life Sciences Limited	Domestic Equities	3.32%
Cipla Limited	Healthcare	3.25%
Max Healthcare Institute Limited	Healthcare	3.05%
Neuland Laboratories Limited	Healthcare	2.88%
Ipca Laboratories Limited	Healthcare	2.66%

The largest holding, Divi'S Laboratories Limited, is 8.45%, which is meaningful but not extreme for a focused equity portfolio. The tenth holding is 2.66%, so the weight does fall away steadily rather than collapsing after the top few names.

The top ten holdings together account for approximately 46.3% of the portfolio, while 45 holdings are disclosed overall. That combination suggests a mix of visible concentration in key names and a long tail of smaller positions. In our view, the leading holdings may have greater influence on short-term outcomes, but the rest of the portfolio still matters.

The list is heavily tilted toward healthcare names, with only Sai Life Sciences shown outside the healthcare label. That may help keep the portfolio aligned with the fund’s sector theme, but it also means returns may continue to depend more on pharma and healthcare sentiment than on a broad-market mix.

To see all holdings, visit the WOC Pharma and Healthcare Fund Direct Growth Plan page

Source data date: as of 17 Sep 2026

Who should invest

This fund may suit investors who can handle High Risk exposure and are comfortable with a sector-focused equity allocation. Its recent one-year return is positive and above the benchmark, but the absence of 3-year and 5-year history means the case rests more on recent momentum than on a long record.

The main trade-off is clear: the portfolio may offer upside if pharma and healthcare continue to do well, but that same concentration can make outcomes uneven. Investors with a medium-to-long horizon and a tolerance for sharper swings are a better fit than those seeking steady, broad-market style returns.

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 17 Sep 2026

Frequently asked questions

What is the current NAV of WOC Pharma and Healthcare Fund Direct Growth Plan?
Its NAV is ₹17.611 as of 17 Sep 2026.

What are the fund’s 1-year, 3-year and 5-year returns?
The 1-year return is 20.17%, while the 3-year and 5-year returns are not available yet.

How has the fund performed against the benchmark?
The fund has outpaced the benchmark over 1 month, 3 months and 1 year. The benchmark return figures for those same periods are -3.66%, -3.71% and -7.13%.

How does it compare with the peer funds listed here on 1-year return?
Its 1-year return is below the stronger recent peer figures such as 25.31% and 25.27%, but it remains ahead of 20.17% relative to its own benchmark comparison set.

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, Dheeresh Pathak, Piyush Baranwal and Ashish Agarwal. The exit load is 1% if units are sold within 1 month, and nil after 1 month.

Bottom line

The fund’s latest one-year showing is clearly better than its benchmark, but the lack of 3-year and 5-year history keeps the longer-term picture open. Against the peer set, the recent return is competitive but not the strongest available. With a High Risk profile and a portfolio that is heavily centred on healthcare names, this looks more suitable for investors who want thematic exposure and can tolerate uneven performance rather than those looking for a smoother, diversified equity experience.

Published on 18 September 2026 at 12:02 PM 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.