WOC Quality Equity Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?

WOC Quality Equity Fund Direct Growth Plan currently has a NAV of ₹10.277 as of 15 September 2026 and a scheme AUM of ₹620 Cr. Its 1-year, 3-year and 5-year returns are -3.94%, 0% and 0%, and the fund sits in the High Risk category.

Our view is that this is a fund for investors who can stay patient through uneven short-term swings and want a portfolio built around quality large-cap ideas and a few other visible holdings. The return pattern has been weaker over the latest year, while the shorter 3-month trend has been steadier than the 1-year stretch, so the fund looks better suited to a longer holding period than to short tactical use.

Quick facts

Particular	Details
NAV	₹10.277 as of 15 Sep 2026
AUM	₹620 Cr
Expense Ratio	0.61%
Launch Date	29 Jan 2025
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 Agarwal, Dheeresh Pathak, Piyush Baranwal

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

Source data date: as of 15 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	-4.86%	-4.81%
3M	1.32%	-3.63%
1Y	-3.94%	-8.27%
3Y	Data not available	Data not available
5Y	Data not available	Data not available

In the most recent month, the fund and the benchmark both declined, and the gap between them is small. That tells us the fund has still been exposed to the same broad market pressure, even though it was not dramatically worse than the benchmark in that stretch.

The 3-month period is more encouraging. The fund moved ahead while the benchmark remained negative, which suggests the portfolio handled the recent recovery phase better than the index. That kind of short-term relative strength matters, but it should not be read as a full trend reversal on its own.

Over 1 year, the fund is still negative, yet it has held up better than the benchmark, which fell more sharply. So on a relative basis, the fund has been less weak than the index, even though absolute returns remain subdued.

Because the fund launched only in January 2025, there is no usable 3-year or 5-year return record yet. That limits how much long-horizon judgement we can make, and it also means the current picture is driven much more by recent trading than by a full market cycle.

Source data date: as of 15 Sep 2026

Should you BUY or HOLD WOC Quality Equity?

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 Quality Equity? Thinking of investing now?

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Peer comparison

Fund	1Y return	3Y return	5Y return
WOC Quality Equity Fund Direct Growth Plan	-3.94%	Data not available	Data not available
ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan	69.16%	37.12%	Data not available
HDFC Pharma and Healthcare Fund Direct Growth Plan	27.47%	Data not available	Data not available
SBI Automotive Opportunities Fund Direct Growth Plan	27.05%	Data not available	Data not available
Kotak Healthcare Fund Direct Growth Plan	26.51%	Data not available	Data not available
Motilal Oswal Active Momentum Fund Direct Growth Plan	25.46%	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, the fund’s latest 1-year return is much weaker than the stronger healthcare, automotive and thematic funds in the table. That gap matters because it shows the fund has not kept pace with several peers over the same period, even though it has stayed ahead of the benchmark on a relative basis.

On 3-year and 5-year figures, the comparison is more limited because the current fund does not yet have those horizons available. Among peers where a 3-year figure is available, ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan shows a far stronger longer-horizon outcome, while the other listed peers do not provide comparable 3-year or 5-year numbers. So the short-term and longer-term pictures are not telling the same story here.

Source data date: as of 15 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
ICICI Bank Limited	Bank	9.87%
Nestle India Limited	FMCG	6.89%
Bharti Airtel Limited	Telecom	6.03%
Torrent Pharmaceuticals Limited	Healthcare	4.36%
Mahindra & Mahindra Limited	Automobile & Ancillaries	4.13%
Titan Company Limited	Diamond & Jewellery	3.85%
Clearing Corporation of India Ltd	Cash & Cash Equivalents and Net Assets	3.84%
Nexus Select Trust – Reit	Finance	3.05%
Marico Limited	FMCG	2.88%
Maruti Suzuki India Limited	Automobile & Ancillaries	2.72%

The top 10 holdings account for approximately 47.62% of the portfolio.

To see all holdings, visit the WOC Quality Equity Fund Direct Growth Plan page

The largest holding, ICICI Bank Limited, is 9.87%, so it is large enough to matter but not so dominant that it alone defines the fund. The fall from the first holding to the tenth is gradual rather than abrupt, which suggests the visible book is built around a cluster of meaningful positions instead of a single oversized bet.

With the top 10 holdings accounting for about 47.62% of the portfolio, the disclosed part of the portfolio is fairly spread out across several names. That leaves room for the remaining holdings to shape outcomes as well, especially because the fund has 51 disclosed holdings in total.

Our reading is that the structure may reduce reliance on just one or two stocks, while still leaving the largest positions influential. The mix of bank, FMCG, telecom, healthcare, auto and other names also suggests that the portfolio is not tied to a single sector theme, even though the visible holdings remain meaningfully concentrated at the top.

Source data date: as of 15 Sep 2026

Who should invest

This fund is more suitable for investors who can tolerate High Risk exposure and do not need smooth short-term returns. The latest 1-year result is negative, but the 3-month move is better than the benchmark, which shows that the fund can behave differently from the index over shorter stretches.

We think the better fit is a medium-to-long horizon investor who can wait through volatility and is comfortable with a portfolio that has a reasonably diversified set of visible holdings rather than a very narrow single-theme basket. The main trade-off is that the fund may offer periods of relative resilience, but the path can still be uneven and the longer track record is not yet fully built.

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 15 Sep 2026

Frequently asked questions

What is the current NAV of WOC Quality Equity Fund Direct Growth Plan?

The current NAV is ₹10.277 as of 15 September 2026.

What are the fund’s 1-year, 3-year and 5-year returns?

The fund’s 1-year return is -3.94%, while the 3-year and 5-year returns are not yet available as meaningful track records.

How has the fund performed against its benchmark?

Over 1 year, the fund at -3.94% has fallen less than the Nifty 50 at -8.27%. Over 3 months, the fund has also held up better, with 1.32% versus -3.63% for the benchmark.

How does it compare with the peer funds listed here?

The fund’s 1-year return is far below the stronger peer figures shown, while its 3-year and 5-year comparison is limited because the fund does not yet have those horizons available. That makes the short-term comparison much more informative than the long-term one.

What is the minimum SIP amount?

The minimum SIP amount is ₹100.

What is the risk profile and who manages the fund?

The fund is in the High Risk category and is managed by Ramesh Mantri, Trupti Agarwal, Dheeresh Pathak and Piyush Baranwal. The top holdings are led by ICICI Bank Limited at 9.87%.

Bottom line

The fund’s recent behaviour is mixed: the latest 1-year return is negative, but the 3-month figure is better than the benchmark, which points to some short-term resilience. Compared with the peer list, the current return profile is weaker than the stronger names shown there, while the longer-horizon comparison is constrained by the fund’s short history. The portfolio is led by a 9.87% position in ICICI Bank Limited and then spreads into several other large names, which may keep the fund from depending too heavily on one stock. It suits investors who can accept High Risk and a still-developing track record.

Published on 16 September 2026 at 9:44 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.