Baroda BNP Paribas Retirement Fund
Baroda BNP Paribas Mutual Fund · Retirement · Regular plan, growth option
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -5.8% | -4.1% |
| 3 months | -4.5% | -4.5% |
| 6 months | -3.0% | -2.8% |
| Year to date | -5.8% | -4.7% |
| 1 year | -4.8% | -4.9% |
| 3 years (CAGR) | n/a | 6.8% |
| 5 years (CAGR) | n/a | 6.3% |
| 7 years (CAGR) | n/a | 9.4% |
| 10 years (CAGR) | n/a | 8.5% |
| Since first NAV (CAGR) | 3.6% | – |
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 4.7% | 8.1% |
| 3Y rolling median | n/a | 11.2% |
| 3Y rolling worst | n/a | 4.3% |
| 3Y periods positive | n/a | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 10.4% |
| 5Y rolling worst | n/a | 5.2% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | n/a | 10.9% |
| Sharpe ratio | n/a | 0.04 |
| Sortino ratio | n/a | 0.06 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −13.1% | −18.1% |
| Maximum drawdown, last 10Y | n/a | −23.5% |
| Maximum drawdown, last 5Y | n/a | −12.7% |
| Current drawdown | −8.1% | −8.1% |
| Recovery time of worst fall | 227 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
The Regular plan's expense ratio is 2.55% a year and the Direct plan's 1.16%, a gap of 1.39%. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹30,43,211.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
- 1 Oct 2026: TER reduced from 2.57% to 2.55% (AMFI TER disclosure)
| Fund manager | Role | Managing since |
|---|---|---|
| Silky Jain | Equity portion | 1 Jul 2026 |
| Yash Mehta | Equity portion | 16 Sep 2026 |
| Vikram Pamnani | Fixed Income portion | n/a |
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.55% | 2.16% |
| AUM, whole scheme (₹ crore) | 382 | 265 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 22 Oct 2026.
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -3.8% | -5.0% TRI |
Official benchmark: CRISIL Hybrid 35+65 - Aggressive Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Retirement Regular plans; how it is calculated.
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -5.8% | n/a | – |
| 2025 | 5.9% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,15,484 | -6.2% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Union Retirement Fund | Retirement | 0.98 | 9.6% |
| Union Children's Fund | Children's | 0.98 | n/a |
| Axis Retirement Fund - Dynamic Plan | Retirement | 0.98 | 9.2% |
| Tata Retirement Savings Fund-Conservative Plan | Retirement | 0.98 | 5.7% |
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Children's | 0.98 | 8.3% |
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | Retirement | 0.98 | 8.4% |
- What is the latest NAV of Baroda BNP Paribas Retirement Fund?
- The NAV of the Regular plan (growth option) was ₹10.8865 on 23 Oct 2026, as published by AMFI.
- Which category is Baroda BNP Paribas Retirement Fund in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Regular plans).
- What was the largest fall in Baroda BNP Paribas Retirement Fund's NAV?
- The largest peak-to-trough fall in its available history was 13.1%.
- What is the expense ratio (TER) of Baroda BNP Paribas Retirement Fund?
- The total expense ratio of the Regular plan is 2.55% a year, as disclosed to AMFI (median of Retirement Regular plans: 2.16%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Baroda BNP Paribas Retirement Fund?
- Assets under management of the whole scheme were ₹382 crore on 22 Oct 2026, as published by AMFI.
- What is the riskometer level of Baroda BNP Paribas Retirement Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- Who manages Baroda BNP Paribas Retirement Fund?
- According to its Scheme Summary Document, Baroda BNP Paribas Retirement Fund is managed by Silky Jain (since 1 Jul 2026), Yash Mehta (since 16 Sep 2026), Vikram Pamnani.
- What is the minimum investment in Baroda BNP Paribas Retirement Fund?
- The minimum application amount is ₹1,000. SIP details: SIP - 500 for daily, weekly & monthly and 1500 for quarterly, SWP - Rs. 1000 for Weekly / Monthly and 1500 for quarterly, STP - Rs. 1000 for Daily / Weekly/ Fortnightly/Monthly and Rs. 1500 for quarterly.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -3.5% and the Regular plan's by -4.8%. The Regular plan includes the services of a distributor.
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