May 1, 2025
mayank
Baroda BNP Paribas Retirement Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 10.8862
NAV IDCW: Rs 10.8862
Suitable For Which Investors?
When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.
Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.
Like for all equity-linked investments, you must invest only through the SIP route.
Fund’s Investment Strategy:
The Scheme seeks to generate income and capital appreciation by investing in a diversified portfolio of equity and equity related instruments and fixed income instruments with a view to provide a retirement solution to investors.
Fund Manager:
1) Ankeet Pandya
Education: MBA Finance
Experience: Prior to joining Baroda BNP Paribas Mutual Fund, he was working with InCred Asset management Private Ltd, Motilal Oswal Securities Ltd and Elara Capital India Private Ltd.
2) Pratish Krishnan
Education: Mr. Krishnan has done MMS in Finance
Experience: Prior to joining Baroda BNP Paribas Mutual Fund he has worked with Antique Stock Broking as Sr Analyst- IT, Telecom & Media, DSP Merrill Lynch as Vice President- Research, SBI Capital Markets as Sr. research Analyst, Cholamandalam DBS Finance LTD as Research Analyst.
3) Gurvinder Singh Wasan
Education: Mr. Wasan is a Chartered Accountant, CFA and Master of Commerce from Mumbai University.
Experience: Prior to joining JM Mutual Fund, he has worked with Principal Mutual Fund, Crisil Ltd. and ICICI Bank Ltd.
Investment Details
| Min. Investment (Rs) | 1,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 500 |
| Min. Withdrawal (Rs) | 1,000 |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | — |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of Baroda BNP Paribas Retirement Fund
| Fund House | Baroda BNP Paribas Mutual Fund |
| Launch Date | 28-May-24 |
| Return Since Launch | 8.86% |
| Benchmark | CRISIL Hybrid 35+65 Aggressive Index |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | Rs 356 Cr |
| (As on 31-Mar-2025) | |
| Expense | 0.30% |
| (As on 31-Mar-2025) | |
| Risk Grade | — |
| Return Grade | — |
| Turnover | 81.00% |
Trailing Returns (%) of Baroda BNP Paribas Retirement Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Baroda BNP Paribas Retirement Dir | -1.44 | -0.30 | 3.36 | 2.14 | -0.36 | — | — | — | — | — |
| VR Aggressive Hybrid TRI | -0.08 | 0.07 | 3.29 | 2.74 | -1.09 | — | — | — | — | — |
| Hybrid: Aggressive Hybrid | -1.18 | -0.30 | 2.59 | 2.15 | -1.01 | — | — | — | — | — |
| Rank within category | 29 | 23 | 3 | 26 | 18 | — | — | — | — | — |
| Number of funds in category | 44 | 44 | 44 | 44 | 44 | 43 | 42 | 39 | 29 | 23 |
Peer Comparison of Baroda BNP Paribas Retirement Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| Baroda BNP Paribas Retirement Dir | Unrated | — | — | — | 0.30 | 356 | 8.86 | — | 11M | 81.00 |
| ICICI Pru Equity & Debt Dir | 5 star | 11.02 | 19.62 | 27.20 | 1.00 | 40,962 | 17.68 | 1.00 (365) | 12Y 4M | 30.00 |
| HDFC Children’s Dir | 5 star | 6.91 | 16.75 | 22.40 | 0.97 | 9,590 | 15.86 | — | 12Y 4M | 17.18 |
| Kotak Equity Hybrid Dir | 4 star | 10.46 | 15.42 | 22.71 | 0.50 | 6,795 | 14.17 | 1.00 (365) | 12Y 4M | 69.79 |
| UTI Aggressive Hybrid Dir | 4 star | 11.21 | 17.73 | 23.18 | 1.21 | 5,910 | 13.47 | 1.00 (365) | 12Y 4M | 35.00 |
Portfolio Analysis of Baroda BNP Paribas Retirement Fund
| No. of Stocks | 58 |
| Top 10 Holdings | 42.58% |
| Top 5 Stocks | 30.28% |
| Top 3 Sectors | 37.01% |
| Portfolio P/B Ratio | 3.78 |
| Portfolio P/E Ratio | 26.97 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,61,658 | 2,02,824 |
| Giant (%) | 49.47 | 58.27 |
| Large (%) | 21.52 | 16.37 |
| Mid (%) | 25.29 | 19.16 |
| Small (%) | 3.72 | 8.06 |
| Tiny (%) | — | 0.73 |
| Fund | Category | |
| Number of Securities | 63 | 82 |
| Macaulay Duration (yrs) | 9.73 | 4.18 |
| Average Maturity (yrs) | 26.38 | 7.87 |
| Yield to Maturity (%) | 7.09 | 7.18 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For Baroda BNP Paribas Retirement Fund
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