Regular
NAV (05-Sep-24)
Returns (Since Inception)
Fund Overview
Fund Size
₹301 Cr
Expense Ratio
2.27%
ISIN
INF251K01TH4
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
31 May 2024
About this fund
As of 05-Sep-24, it has a Net Asset Value (NAV) of ₹10.93, Assets Under Management (AUM) of 301.13 Crores, and an expense ratio of 2.27%.
- Baroda BNP Paribas Retirement Fund Regular Growth has given a CAGR return of 9.41% since inception.
- The fund's asset allocation comprises around 72.69% in equities, 23.75% in debts, and 3.57% in cash & cash equivalents.
- You can start investing in Baroda BNP Paribas Retirement Fund Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
Since Inception
+9.41%
— (Cat Avg.)
Portfolio Summaryas of 31st July 2024
| Equity | ₹218.88 Cr | 72.69% |
| Debt | ₹71.51 Cr | 23.75% |
| Others | ₹10.74 Cr | 3.57% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.34% Govt Stock 2064 | Bond - Gov't/Treasury | ₹36.91 Cr | 12.26% |
| HDFC Bank Ltd | Equity | ₹16.16 Cr | 5.37% |
| Infosys Ltd | Equity | ₹14.95 Cr | 4.96% |
| ICICI Bank Ltd | Equity | ₹11.78 Cr | 3.91% |
| Reliance Industries Ltd | Equity | ₹10.84 Cr | 3.60% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹10.14 Cr | 3.37% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹10.08 Cr | 3.35% |
| Jamnagar Utilities And Power Private Limited | Bond - Corporate Bond | ₹10.05 Cr | 3.34% |
| 360 One Wam Ltd Ordinary Shares | Equity | ₹7.51 Cr | 2.49% |
| Axis Bank Ltd | Equity | ₹7 Cr | 2.32% |
| Bharti Airtel Ltd | Equity | ₹6.86 Cr | 2.28% |
| Dabur India Ltd | Equity | ₹6.36 Cr | 2.11% |
| ITC Ltd | Equity | ₹6.19 Cr | 2.06% |
| Clearing Corporation Of India Ltd | Cash - Repurchase Agreement | ₹5.83 Cr | 1.93% |
| Mahindra & Mahindra Ltd | Equity | ₹5.82 Cr | 1.93% |
| Ashok Leyland Ltd | Equity | ₹5.78 Cr | 1.92% |
| Hindustan Unilever Ltd | Equity | ₹5.41 Cr | 1.80% |
| Bank of Baroda | Equity | ₹4.95 Cr | 1.64% |
| Net Receivables / (Payables) | Cash | ₹4.91 Cr | 1.63% |
| Divi's Laboratories Ltd | Equity | ₹4.78 Cr | 1.59% |
| Larsen & Toubro Ltd | Equity | ₹4.58 Cr | 1.52% |
| Jyoti CNC Automation Ltd | Equity | ₹4.56 Cr | 1.52% |
| Piramal Capital & Housing Finance Limited | Bond - Corporate Bond | ₹4.33 Cr | 1.44% |
| Mrs Bectors Food Specialities Ltd Ordinary Shares | Equity | ₹4.07 Cr | 1.35% |
| PNB Housing Finance Ltd | Equity | ₹4.03 Cr | 1.34% |
| State Bank of India | Equity | ₹3.93 Cr | 1.30% |
| Havells India Ltd | Equity | ₹3.88 Cr | 1.29% |
| Max Financial Services Ltd | Equity | ₹3.78 Cr | 1.26% |
| NTPC Ltd | Equity | ₹3.74 Cr | 1.24% |
| Power Finance Corp Ltd | Equity | ₹3.62 Cr | 1.20% |
| Mphasis Ltd | Equity | ₹3.56 Cr | 1.18% |
| 3M India Ltd | Equity | ₹3.54 Cr | 1.17% |
| Power Grid Corp Of India Ltd | Equity | ₹3.48 Cr | 1.16% |
| Cipla Ltd | Equity | ₹3.4 Cr | 1.13% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹3.3 Cr | 1.09% |
| PB Fintech Ltd | Equity | ₹3.27 Cr | 1.09% |
| Hindalco Industries Ltd | Equity | ₹3.21 Cr | 1.07% |
| Trent Ltd | Equity | ₹3.15 Cr | 1.05% |
| Max Healthcare Institute Ltd Ordinary Shares | Equity | ₹3.14 Cr | 1.04% |
| KEI Industries Ltd | Equity | ₹3.03 Cr | 1.01% |
| Linde India Ltd | Equity | ₹2.94 Cr | 0.98% |
| UNO Minda Ltd | Equity | ₹2.91 Cr | 0.97% |
| Info Edge (India) Ltd | Equity | ₹2.81 Cr | 0.93% |
| Hindustan Aeronautics Ltd Ordinary Shares | Equity | ₹2.71 Cr | 0.90% |
| TVS Motor Co Ltd | Equity | ₹2.53 Cr | 0.84% |
| Vodafone Idea Ltd | Equity | ₹2.44 Cr | 0.81% |
| GE T&D India Ltd | Equity | ₹2.38 Cr | 0.79% |
| Tech Mahindra Ltd | Equity | ₹2.33 Cr | 0.77% |
| Zomato Ltd | Equity | ₹2.29 Cr | 0.76% |
| Navin Fluorine International Ltd | Equity | ₹2.28 Cr | 0.76% |
| Godrej Consumer Products Ltd | Equity | ₹2.16 Cr | 0.72% |
| BSE Ltd | Equity | ₹2.1 Cr | 0.70% |
| Hitachi Energy India Ltd Ordinary Shares | Equity | ₹2.09 Cr | 0.69% |
| Westlife Foodworld Ltd | Equity | ₹1.97 Cr | 0.66% |
| Tata Technologies Ltd | Equity | ₹1.3 Cr | 0.43% |
Allocation By Market Cap (Equity)
Large Cap Stocks
49.61%
Mid Cap Stocks
12.79%
Small Cap Stocks
8.77%
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹68.11 Cr | 22.62% |
| Industrials | ₹33.76 Cr | 11.21% |
| Technology | ₹24.22 Cr | 8.04% |
| Consumer Defensive | ₹24.19 Cr | 8.03% |
| Consumer Cyclical | ₹18.68 Cr | 6.20% |
| Communication Services | ₹12.11 Cr | 4.02% |
| Healthcare | ₹11.31 Cr | 3.76% |
| Energy | ₹10.84 Cr | 3.60% |
| Basic Materials | ₹8.43 Cr | 2.80% |
| Utilities | ₹7.23 Cr | 2.40% |
Risk & Performance Ratios
Standard Deviation
This fund
--
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
--
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Prashant Pimple
Since July 2024
Vikram Pamnani
Since July 2024
Pratish Krishnan
Since May 2024
Miten Vora
Since May 2024
Additional Scheme Detailsas of 31st July 2024
ISIN | INF251K01TH4 | Expense Ratio | 2.27% | Exit Load | No Charges | Fund Size | ₹301 Cr | Age | 31 May 2024 | Lumpsum Minimum | ₹1,000 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL Hybrid 35+65 - Agg TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Retirement Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2183.40 Cr | 29.9% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹173.90 Cr | 14.0% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2099.53 Cr | 35.5% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹930.43 Cr | 36.5% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹76.98 Cr | 21.6% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹930.43 Cr | 38.3% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹383.99 Cr | 40.1% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.0% | 0.0% | ₹383.99 Cr | 42.0% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹76.98 Cr | 19.9% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹517.00 Cr | 19.1% |
Risk Level
Your principal amount will be at Very High Risk
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- Prashant Pimple
- Vikram Pamnani
- Pratish Krishnan
- Miten Vora
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