Baroda BNP Paribas Retirement Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Retirement Fund

Fund House : Baroda Pioneer Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 11.7978 -0.07%
(as on 14th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 391.85 Cr

(1.2% of Investment in Category)

Expense Ratio

: 1.16%

(0.94% Category average)

Risk-O-Meter

Very High Risk

Retirement Fund :Retirement Fund : The fund has 72.95% investment in domestic equities of which 33.87% is in Large Cap stocks, 9.57% is in Mid Cap stocks, 5.51% in Small Cap stocks.The fund has 22.11% investment in Debt, of which 18.44% in Government securities, 3.67% is in Low Risk securities.

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This Scheme

VS

CRISIL Hybrid 35+65 - Aggressive Index

2.11%

4.01%

4.71%

9.27%

14.97%

14.11%

17.44%
NA
1.42%

3.27%

4.81%

8.33%

14.77%

13.93%

12.92%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 14th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	07-Nov-25	10066.90	0.67%	-	0.80%	17/29
1 Month	14-Oct-25	10210.10	2.10%	-	1.42%	6/29
3 Month	14-Aug-25	10450.90	4.51%	-	3.27%	6/29
6 Month	14-May-25	10643.00	6.43%	-	4.81%	6/29
YTD	01-Jan-25	10652.30	6.52%	-	6.30%	9/29
1 Year	14-Nov-24	11018.90	10.19%	10.19%	8.33%	7/29
Since Inception	31-May-24	11802.30	18.02%	12.04%	12.92%	15/29

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 14th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	14-Nov-24	12000	12922.27	7.69 %	14.5 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Oct,2025)

Portfolio Turnover Ratio : 49.00% | Category average turnover ratio is 42.99%

Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)

Equity Holding : 72.95% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 72.95%

No of Stocks : 51 (Category Avg - 53.86) | Large Cap Investments : 33.87%| Mid Cap Investments : 9.57% | Small Cap Investments : 5.51% | Other : 24%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
HDFC Bank Ltd.	Private sector bank	217.2	5.54%	-0.02%	5.75% (Jul 2025)	4.84% (Jan 2025)	2.20 L
ICICI Bank Ltd.	Private sector bank	141.7	3.62%	-0.15%	4.49% (Jul 2025)	3.46% (Jan 2025)	1.05 L
Reliance Industries Ltd.	Refineries & marketing	121.7	3.11%	0.14%	3.5% (Jun 2025)	2.45% (Dec 2024)	81.90 k
Larsen & Toubro Ltd.	Civil construction	95.9	2.45%	0.14%	2.45% (Oct 2025)	0.97% (Apr 2025)	23.80 k
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	85.3	2.18%	0.11%	2.25% (Jun 2025)	2.04% (Dec 2024)	41.52 k
Eternal Ltd.	E-retail/ e-commerce	84.2	2.15%	-0.14%	2.29% (Sep 2025)	0.99% (Mar 2025)	2.65 L
Infosys Ltd.	Computers - software & consulting	84.1	2.14%	-0.03%	4.28% (Jan 2025)	2.14% (Oct 2025)	56.70 k
Divis Laboratories Ltd.	Pharmaceuticals	79.5	2.03%	0.25%	2.34% (Nov 2024)	1.78% (Sep 2025)	11.80 k
Travel Food Services Ltd.	Restaurants	72.8	1.86%	-0.08%	1.94% (Sep 2025)	0% (Nov 2024)	55.20 k
InterGlobe Aviation Ltd.	Airline	70.3	1.79%	-0.07%	1.86% (Sep 2025)	0% (Nov 2024)	12.50 k

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 7 (Category Avg - 8.48) | Modified Duration 9.96 Years (Category Avg - 5.46)| Yield to Maturity 7.18% (Category Avg - 6.65%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	18.44%	23.21%
T-Bills	0.00%	0.01%
NCD & Bonds	3.67%	8.71%
PTC	0.00%	0.32%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	18.44%	23.22%
Low Risk	3.67%	9.04%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Anzen India Energy Yield Plus Trust	InvITs	2.91%
TREPS	TREPS	2.08%
Net Receivables	Net Receivables	-0.05%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 01st January, 1970)

No data available. Ratios are only available for the funds which are 3 years old.

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Retirement Fund - Pure Equity Plan - Direct Plan - Growth	NA	1516.19	3.24	7.33	13.29	19.24	26.33
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Direct Plan - Growth	NA	997.52	2.31	6.80	11.41	16.27	22.67
Aditya Birla Sun Life Retirement Fund - The 30s Plan - Direct - Growth	NA	427.16	3.35	4.86	10.12	11.60	16.60
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan - Growth	NA	88.45	1.28	3.47	5.77	10.77	12.32
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct - Growth	NA	117.70	1.42	4.21	5.37	10.74	14.71
Union Retirement Fund - Direct Plan - Growth	NA	186.21	2.24	5.05	8.29	10.63	18.57
PGIM India Retirement Fund - Direct Plan - Growth	NA	96.28	0.65	1.47	4.89	9.90	0.00
Bandhan Retirement Fund - Direct Plan - Growth	NA	186.48	1.74	3.83	4.81	9.46	0.00
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct - Growth	NA	26.72	0.88	2.51	4.13	8.26	9.78
HDFC Retirement Savings Fund - Equity Plan - Direct Plan- Growth	NA	6968.96	2.44	4.23	5.15	7.99	19.87

Detailed Comparison

More Funds from Baroda Pioneer Mutual Fund

Out of 46 mutual fund schemes offered by this AMC, 4 is/are ranked 4 * , 7 is/are ranked 3 * , 6 is/are ranked 2 * , 2 is/are ranked 1 * , and 27 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Baroda BNP Paribas Liquid Fund - Direct Plan - Growth	3	9502.33	0.49	1.45	3.01	6.70	7.07
Baroda BNP Paribas Balanced Advantage Fund - Direct - Growth	NA	4544.91	2.92	4.93	7.52	11.02	15.46
Baroda BNP Paribas Balanced Advantage Fund - Direct - Growth	NA	4544.91	2.92	4.93	7.52	11.02	15.46
Baroda BNP Paribas Money Market Fund - Direct Plan - Growth	3	4335.34	0.52	1.59	3.46	7.71	7.43
Baroda BNP Paribas Multi Cap Fund - Direct Plan - Growth	2	3108.17	2.29	4.29	6.29	4.99	20.00
Baroda BNP Paribas Large Cap Fund - Direct Plan - Growth	3	2729.20	2.75	3.84	4.65	6.34	16.61
Baroda BNP Paribas Mid Cap Fund - Direct Plan - Growth	3	2276.13	3.62	6.30	8.67	8.96	21.79
Baroda BNP Paribas Large and Mid Cap Fund - Direct Plan - Growth	2	1697.43	2.89	5.14	6.46	5.36	19.52
Baroda BNP Paribas India Consumption Fund - Direct Plan - Growth	NA	1552.24	0.40	3.78	5.09	6.30	17.62
Baroda BNP Paribas Gilt Fund - Direct Plan - Growth	4	1341.67	-0.55	0.38	-0.15	6.65	7.97