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Baroda BNP Paribas Retirement Fund - Regular Plan - Growth

  • Regular
  • Direct
Category : Retirement Fund
Portfolio Turnover Ratio : 51.00%. Category average turnover ratio is 25.50%. 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 : 71.54% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 71.54%
No of Stocks : 55 (Category Avg - 53.38) | Large Cap Investments : 31.85%| Mid Cap Investments : 9.49% | Small Cap Investments : 4.96% | Other : 25.24%

Portfolio Summary (as on 31st Jul,2025)

Particulars This Scheme Category
No. of Stocks 55 57.3
Top 5 Stock Weight 17.47% 18.38%
Top 10 Stock Weight 26.01% 28.16%
Top 3 Sector Weight 23.04% 21.03%
Category - Retirement Fund
Particulars This Scheme Category
Average mcap (Cr) 69447.91 79801.03
Holdings in large cap stocks 31.85% 30.7%
Holdings in mid cap stocks 9.49% 8.7%
Holdings in small cap stocks 4.96% 9.84%
Category - Retirement Fund

Top 10 Stocks holding in Portfolio (as on 31st Jul,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
HDFC Bank Ltd. Private sector bank 222 5.75% 0.10% 5.75% (Jul 2025) 4.84% (Jan 2025) 1.10 L 0.00
ICICI Bank Ltd. Private sector bank 173.3 4.49% 0.15% 4.49% (Jul 2025) 3.46% (Jan 2025) 1.17 L 0.00
Reliance Industries Ltd. Refineries & marketing 113.9 2.95% -0.55% 3.5% (Jun 2025) 2.45% (Dec 2024) 81.90 k -9.10 k
Infosys Ltd. Computers - software & consulting 85.6 2.22% -0.11% 4.98% (Aug 2024) 2.22% (Jul 2025) 56.70 k 0.00
Bharti Airtel Ltd. Telecom - cellular & fixed line services 79.5 2.06% -0.19% 2.39% (Sep 2024) 2.04% (Dec 2024) 41.52 k -2.19 k
Divis Laboratories Ltd. Pharmaceuticals 77.8 2.02% -0.04% 2.34% (Nov 2024) 1.58% (Aug 2024) 11.80 k 0.00
Eternal Ltd. E-retail/ e-commerce 66.2 1.71% 0.52% 1.71% (Jul 2025) 0.72% (Oct 2024) 2.15 L 40.00 k
ABB Power Products and Systems India Ltd. Heavy electrical equipment 64 1.66% -0.16% 1.99% (May 2025) 0.7% (Aug 2024) 3.19 k -0.35 k
- InterGlobe Aviation Ltd. Airline 62.1 1.61% 0.00% 1.61% (Jun 2025) 0% (Aug 2024) 10.50 k 0.00
Bharat Heavy Electricals Ltd. Heavy electrical equipment 59.6 1.54% -0.17% 1.71% (Jun 2025) 0% (Aug 2024) 2.50 L 0.00
- indicates change in weight in the portfolio. # indicates a new entry.

Complete equity Portfolio (as on 31st Jul,2025)

Help me understand this table
Stock Invested in
Sector
Sector Total
Value(Mn)
% of Total Holdings
1M Change
1Y Highest Holding
1Y Lowest Holding
Quantity
1M Change in Qty
M-Cap
GroupName
HDFC Bank Ltd. Private sector bank 13.32 222 5.75% 0.10% 5.75% (Jul 2025) 4.84% (Jan 2025) 1.10 L 0.00 Other 25.24
ICICI Bank Ltd. Private sector bank 13.32 173.3 4.49% 0.15% 4.49% (Jul 2025) 3.46% (Jan 2025) 1.17 L 0.00 Large Cap 31.85
Reliance Industries Ltd. Refineries & marketing 2.95 113.9 2.95% -0.55% 3.5% (Jun 2025) 2.45% (Dec 2024) 81.90 k -9.10 k Large Cap 31.85
Infosys Ltd. Computers - software & consulting 5.49 85.6 2.22% -0.11% 4.98% (Aug 2024) 2.22% (Jul 2025) 56.70 k 0.00 Large Cap 31.85
Bharti Airtel Ltd. Telecom - cellular & fixed line services 2.06 79.5 2.06% -0.19% 2.39% (Sep 2024) 2.04% (Dec 2024) 41.52 k -2.19 k Large Cap 31.85
Divis Laboratories Ltd. Pharmaceuticals 3.56 77.8 2.02% -0.04% 2.34% (Nov 2024) 1.58% (Aug 2024) 11.80 k 0.00 Large Cap 31.85
Eternal Ltd. E-retail/ e-commerce 1.71 66.2 1.71% 0.52% 1.71% (Jul 2025) 0.72% (Oct 2024) 2.15 L 40.00 k Other 25.24
ABB Power Products and Systems India Ltd. Heavy electrical equipment 4.23 64 1.66% -0.16% 1.99% (May 2025) 0.7% (Aug 2024) 3.19 k -0.35 k Other 25.24
- InterGlobe Aviation Ltd. Airline 1.61 62.1 1.61% 0.00% 1.61% (Jun 2025) 0% (Aug 2024) 10.50 k 0.00 Large Cap 31.85
Bharat Heavy Electricals Ltd. Heavy electrical equipment 4.23 59.6 1.54% -0.17% 1.71% (Jun 2025) 0% (Aug 2024) 2.50 L 0.00 Mid Cap 9.49
Britannia Industries Ltd. Packaged foods 2.6 56.8 1.47% -0.01% 1.48% (Jun 2025) 0% (Aug 2024) 9.85 k 0.00 Large Cap 31.85
Ultratech Cement Ltd. Cement & cement products 2.44 56.3 1.46% 0.03% 1.5% (Jan 2025) 0% (Aug 2024) 4.60 k 0.00 Large Cap 31.85
PNB Housing Finance Ltd. Housing finance company 1.32 51.1 1.32% -0.15% 1.57% (Aug 2024) 1.16% (Feb 2025) 51.80 k 0.00 Mid Cap 9.49
Kotak Mahindra Bank Ltd. Private sector bank 13.32 49.5 1.28% -0.11% 1.53% (Mar 2025) 0% (Aug 2024) 25.00 k 0.00 Large Cap 31.85
Mahindra & Mahindra Ltd. Passenger cars & utility vehicles 2.16 49 1.27% 0.02% 1.8% (Aug 2024) 1.19% (May 2025) 15.30 k 0.00 Large Cap 31.85
Vishal Mega Mart Ltd. Diversified retail 1.24 47.8 1.24% 0.06% 1.24% (Jul 2025) 0% (Aug 2024) 3.42 L 0.00 Other 25.24
Cholamandalam Investment & Finance Co. Ltd. Non banking financial company (nbfc) 1.91 47.6 1.23% -0.15% 1.41% (Mar 2025) 0.66% (Dec 2024) 33.00 k 0.00 Other 25.24
Sagility India Ltd. It enabled services 1.22 47.2 1.22% 0.15% 1.22% (Jul 2025) 0% (Aug 2024) 10.13 L 0.00 Other 25.24
Fortis Healthcare Ltd. Hospital 2.32 47.2 1.22% 0.51% 1.22% (Jul 2025) 0% (Aug 2024) 55.00 k 20.00 k Other 25.24
Titan Company Ltd. Gems, jewellery and watches 1.21 46.9 1.21% -0.12% 1.33% (Jun 2025) 0% (Aug 2024) 14.00 k 0.00 Large Cap 31.85
Bank Of Baroda Public sector bank 2.13 46.4 1.20% -0.04% 1.56% (Aug 2024) 1.16% (Feb 2025) 1.95 L 0.00 Large Cap 31.85
Navin Flourine International Ltd. Commodity chemicals 1.16 44.9 1.16% 0.06% 1.39% (Mar 2025) 0.8% (Oct 2024) 8.90 k 0.00 Small Cap 4.96
Au Small Finance Bank Ltd. Other bank 1.14 44.1 1.14% -0.24% 1.48% (Sep 2024) 0% (Aug 2024) 59.40 k -6.60 k Mid Cap 9.49
Max Financial Services Ltd. Life insurance 1.14 43.8 1.14% -0.09% 1.23% (Oct 2024) 0.97% (Feb 2025) 29.20 k 0.00 Mid Cap 9.49
Mrs.Bectors Food Specialities Ltd. Packaged foods 2.6 43.8 1.13% 0.11% 1.68% (Sep 2024) 1.02% (Jun 2025) 29.00 k 0.00 Other 25.24
Radico Khaitan Ltd. Breweries & distilleries 1.13 43.8 1.13% 0.06% 1.13% (Jul 2025) 0% (Aug 2024) 16.00 k 0.00 Small Cap 4.96
National Thermal Power Corporation Ltd. Power generation 1.13 43.5 1.13% 0.01% 1.32% (Oct 2024) 1.01% (Dec 2024) 1.30 L 0.00 Large Cap 31.85
Max Healthcare Institute Ltd. Hospital 2.32 42.4 1.10% -0.01% 1.11% (Jun 2025) 0.94% (Aug 2024) 34.00 k 0.00 Other 25.24
Tech Mahindra Ltd. Computers - software & consulting 5.49 42.1 1.09% 0.01% 1.09% (Jul 2025) 0% (Aug 2024) 28.75 k 3.75 k Large Cap 31.85
# Indiqube Spaces Ltd. Diversified commercial services 1.04 40.1 1.04% 1.04% 1.04% (Jul 2025) 0% (Aug 2024) 1.84 L 1.84 L Other 25.24
GE T&D India Ltd. Heavy electrical equipment 4.23 39.8 1.03% 0.15% 2.99% (Dec 2024) 0.61% (Apr 2025) 14.59 k 0.00 Small Cap 4.96
- Larsen & Toubro Ltd. Civil construction 1.02 39.3 1.02% 0.00% 1.42% (Aug 2024) 0.97% (Apr 2025) 10.80 k 0.00 Large Cap 31.85
Cummins India Ltd. Compressors, pumps & diesel engines 1.01 39.1 1.01% 0.05% 1.01% (Jul 2025) 0% (Aug 2024) 11.00 k 0.00 Mid Cap 9.49
Persistent Systems Ltd. Computers - software & consulting 5.49 38.5 1.00% 0.04% 1.12% (Dec 2024) 0% (Aug 2024) 7.45 k 1.25 k Other 25.24
Ambuja Cements Ltd. Cement & cement products 2.44 37.9 0.98% 0.03% 0.98% (Jul 2025) 0.67% (Nov 2024) 64.00 k 0.00 Large Cap 31.85
# Travel Food Services Ltd. Restaurants 0.97 37.7 0.97% 0.97% 0.97% (Jul 2025) 0% (Aug 2024) 36.00 k 36.00 k Other 25.24
Axis Bank Ltd. Private sector bank 13.32 37.4 0.97% -0.11% 2.26% (Aug 2024) 0% (Aug 2024) 35.00 k 0.00 Large Cap 31.85
Linde India Ltd. Industrial gases 0.95 36.8 0.95% -0.01% 1.18% (Sep 2024) 0.77% (Dec 2024) 5.60 k 0.00 Small Cap 4.96
TVS Motor Company Ltd. 2/3 wheelers 0.94 36.4 0.94% -0.03% 0.97% (Jun 2025) 0.86% (Dec 2024) 13.00 k 0.00 Mid Cap 9.49
State Bank Of India Public sector bank 2.13 35.8 0.93% -0.02% 1.18% (Aug 2024) 0.93% (Jul 2025) 45.00 k 0.00 Large Cap 31.85
- PB Fintech Ltd. Financial technology (fintech) 1.75 34.8 0.90% 0.00% 1.28% (Aug 2024) 0.84% (Apr 2025) 19.20 k 0.00 Other 25.24
# Hyundai Motor India Ltd. Passenger cars & utility vehicles 2.16 34.4 0.89% 0.89% 0.89% (Jul 2025) 0% (Aug 2024) 16.00 k 16.00 k Other 25.24
Cipla Ltd. Pharmaceuticals 3.56 34.2 0.89% 0.04% 1.17% (Aug 2024) 0.84% (May 2025) 22.00 k 0.00 Large Cap 31.85
LTIMindtree Ltd. Computers - software & consulting 5.49 33.7 0.87% -0.03% 1.11% (Jan 2025) 0% (Aug 2024) 6.60 k 0.00 Mid Cap 9.49
Varun Beverages Ltd. Other beverages 0.85 32.8 0.85% 0.11% 1.43% (Nov 2024) 0% (Aug 2024) 62.85 k 0.00 Other 25.24
- Hindalco Industries Ltd. Aluminium 0.85 32.8 0.85% 0.00% 1.1% (Sep 2024) 0.8% (May 2025) 48.00 k 0.00 Large Cap 31.85
One 97 Communications Ltd. Financial technology (fintech) 1.75 32.7 0.85% 0.14% 0.85% (Jul 2025) 0% (Aug 2024) 30.00 k 0.00 Other 25.24
Vinati Organics Ltd. Specialty chemicals 0.84 32.6 0.84% -0.06% 1.17% (Oct 2024) 0.78% (Apr 2025) 17.83 k 0.00 Other 25.24
City Union Bank Ltd. Private sector bank 13.32 32.1 0.83% -0.01% 0.84% (Jun 2025) 0% (Aug 2024) 1.50 L 0.00 Mid Cap 9.49
Adani Ports And Special Economic Zone Ltd. Port & port services 0.75 28.8 0.75% -0.03% 1% (Aug 2024) 0.66% (Jan 2025) 21.00 k 0.00 Large Cap 31.85
Trent Limited Speciality retail 0.7 27.1 0.70% -0.16% 1.24% (Sep 2024) 0.7% (Jul 2025) 5.40 k 0.00 Mid Cap 9.49
Multi Commodity Exchange Of India Ltd. Exchange and data platform 0.69 26.6 0.69% -0.10% 0.79% (Jun 2025) 0% (Aug 2024) 3.46 k 0.00 Small Cap 4.96
Bajaj Finance Ltd. Non banking financial company (nbfc) 1.91 26.4 0.68% -0.04% 0.78% (Feb 2025) 0% (Aug 2024) 30.00 k 0.00 Other 25.24
Concord Biotech Ltd. Pharmaceuticals 3.56 25.3 0.65% -0.02% 0.71% (Mar 2025) 0% (Aug 2024) 14.30 k 0.00 Other 25.24
Hexaware Technologies Ltd. Computers - software & consulting 5.49 11.8 0.31% -0.01% 0.36% (Feb 2025) 0% (Aug 2024) 16.79 k 2.00 k Other 25.24
ITC Limited Diversified fmcg 52.1 0.00% -1.34% - - - - Large Cap 31.85
UNO Minda Ltd. Auto components & equipments 30.9 0.00% -0.79% - - - - Small Cap 4.96
Jyoti CNC Automation Ltd. Industrial products 34.2 0.00% -0.88% - - - - Other 25.24
Info Edge (India) Ltd. Internet & catalogue retail 22.8 0.00% -0.58% - - - - Other 25.24
- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 31st Jul,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
# Indiqube Spaces Ltd. Diversified commercial services 40.1 1.04% 1.04% 1.04% (Jul 2025) 0% (Aug 2024) 1.84 L 183645
# Travel Food Services Ltd. Restaurants 37.7 0.97% 0.97% 0.97% (Jul 2025) 0% (Aug 2024) 36.00 k 36000
# Hyundai Motor India Ltd. Passenger cars & utility vehicles 34.4 0.89% 0.89% 0.89% (Jul 2025) 0% (Aug 2024) 16.00 k 16000

Stocks removed from Portfolio (in 1 month period ending 31st Jul,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
ITC Limited Diversified fmcg 52.1 0.00% -1.34% 2.01% (Aug 2024) 0% (Aug 2024) 0.00 -125000
UNO Minda Ltd. Auto components & equipments 30.9 0.00% -0.79% 1.05% (Aug 2024) 0% (Aug 2024) 0.00 -28000
Jyoti CNC Automation Ltd. Industrial products 34.2 0.00% -0.88% 1.59% (Aug 2024) 0% (Aug 2024) 0.00 -32325
Info Edge (India) Ltd. Internet & catalogue retail 22.8 0.00% -0.58% 0.89% (Aug 2024) 0% (Aug 2024) 0.00 -15300

Trend in stock holdings (Top 15 Holding)

Stock Jul 2025 Jun 2025 May 2025 Apr 2025 Mar 2025 Feb 2025 Jan 2025 Dec 2024 Nov 2024 Oct 2024 Sep 2024 Aug 2024 Jul 2024
HDFC Bank Ltd. 5.75% 5.65% 5.61% 5.69% 5.14% 5.25% 4.84% 4.96% 5.16% 5.18% 5.25% 5.25% 5.37%
ICICI Bank Ltd. 4.49% 4.34% 4.43% 4.48% 4.44% 3.54% 3.46% 3.48% 3.62% 3.74% 3.75% 3.82% 3.91%
Infosys Ltd. 2.22% 2.33% 2.32% 2.28% 2.24% 3.72% 4.28% 4.21% 4.27% 4.20% 4.55% 4.98% 4.96%
Reliance Industries Ltd. 2.95% 3.50% 3.39% 3.43% 2.83% 2.87% 2.85% 2.45% 2.67% 2.86% 3.23% 3.48% 3.60%
Bharti Airtel Ltd. 2.06% 2.25% 2.13% 2.19% 2.24% 2.19% 2.13% 2.04% 2.15% 2.21% 2.39% 2.34% 2.28%
Divis Laboratories Ltd. 2.02% 2.06% 2.04% 2.16% 2.14% 2.19% 2.10% 2.25% 2.34% 1.71% 1.60% 1.58% 1.59%
Ashok Leyland Ltd. - - - - - - - - - - - 1.85% 1.92%
360 ONE WAM Ltd. - - - - 1.01% 1.76% 1.67% 2.04% 1.86% 1.89% 1.83% 2.03% 2.49%
ITC Limited - 1.34% 1.37% 1.43% 1.44% 1.50% 1.59% 1.69% 1.71% 1.82% 1.96% 2.01% 2.06%
Axis Bank Ltd. 0.97% 1.08% 1.09% - - - - - 0.98% 2.08% 2.24% 2.26% 2.32%
InterGlobe Aviation Ltd. 1.61% 1.61% - - - - - - - - - - -
Hindustan Unilever Ltd. - - - - - - - 1.30% 1.43% 1.51% 1.79% 1.78% 1.80%
Adani Wilmar Ltd. - - - 1.48% 1.50% 1.54% 1.57% - - - - - -
UNO Minda Ltd. - 0.79% 0.74% 1.34% 1.38% 1.40% 1.50% 1.66% 1.70% 1.64% 1.88% 2.10% 1.94%
GE T&D India Ltd. 1.03% 0.88% 0.86% 0.61% 1.69% 1.56% 1.96% 2.99% 2.59% 1.57% 1.50% 0.91% 0.79%
No of Debt Holding 5 (Category Avg - 8.14) | Modified Duration 9.55 Years (Category Avg - 5.68)| Yield to Maturity 6.94% (Category Avg - 6.54%)

Portfolio Summary (as on 31st Jul,2025)

Security Type % Weight Category Average
GOI 19.24% 23.67%
T-Bills 0.00% 0.00%
NCD & Bonds 3.75% 8.97%
PTC 0.00% 0.20%
Category - Retirement Fund
Security Type % Weight Category Average
Government Backed 19.24% 23.67%
Low Risk 3.75% 9.17%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Category - Retirement Fund

Debt holding in Portfolio (as on 31st Jul,2025)

Instrument
Type
Sector
Rating
Rating Agency
Value (Mn)
% of Total Holding
Quantity
Bond - Govt of India GOI Other 640.64 16.59% 62.22 L
Bond - Govt of India GOI Other 102.52 2.65% 10.00 L
Bond - Jamnagar Utilities & Power Pvt. Ltd. NCD & Bonds Power generation AAA CRISIL 51.39 1.33% 500.00
Bond - National Thermal Power Corporation Ltd. NCD & Bonds Power generation AAA CRISIL 49.86 1.29% 500.00
Bond - Piramal Capital and Housing Finance Ltd. NCD & Bonds Housing finance company LAA ICRA 43.75 1.13% 57.14 k
Name Type of Instrument Weight (%)
Anzen India Energy Yield Plus Trust InvITs 2.80%
TREPS TREPS 2.75%
Net Receivables Net Receivables -0.08%

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