Baroda Hybrid Equity Fund - Plan B (Direct) - 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 : Aggressive Hybrid 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

: ₹ 59.25 -0.62%
(as on 06th December, 2019)

Crisil Rank

Below average performance among peers

Fund Size

: ₹ 556.11 Cr

(0.34% of Investment in Category)

Expense Ratio

: 1.63%

(0.97% Category average)

Risk-O-Meter

Moderately High

Aggressive Hybrid Fund :Aggressive Hybrid Fund : Fund has 76.93% investment in indian stocks of which 50.61% is in large cap stocks, 10.89% is in mid cap stocks, 4.32% in small cap stocks.Fund has 20.79% investment in Debt of which 1.58% in Government securities, 17.63% in funds invested in very low risk securities..

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This Scheme

VS

Nifty 50

-0.35%

6.05%

2.48%

11.37%

7.45%

8.77%

0%
NA
-0.14%

7.05%

2.51%

10.27%

4.21%

7.87%

10.97%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 06th December, 2019)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	29-Nov-19	9901.40	-0.99%	-	-0.90%	21/35
1 Month	06-Nov-19	9871.70	-1.28%	-	-0.14%	32/35
3 Month	06-Sep-19	10597.40	5.97%	-	7.05%	29/34
6 Month	06-Jun-19	9932.90	-0.67%	-	2.51%	31/33
YTD	01-Jan-19	10270.40	2.70%	-	3.09%	28/33
1 Year	06-Dec-18	10578.50	5.79%	5.78%	10.27%	26/32
2 Year	06-Dec-17	10088.50	0.89%	0.44%	4.21%	22/27
3 Year	06-Dec-16	12560.90	25.61%	7.90%	9.57%	21/25
5 Year	05-Dec-14	13820.90	38.21%	6.68%	7.87%	17/22
Since Inception	02-Jan-13	19515.80	95.16%	10.13%	10.97%	23/34

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 06th December, 2019)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	06-Dec-18	12000	12264.93	2.21 %	4.11 %
2 Year	06-Dec-17	24000	24319.74	1.33 %	1.28 %
3 Year	06-Dec-16	36000	37663.49	4.62 %	2.95 %
5 Year	05-Dec-14	60000	69717.25	16.2 %	5.94 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Portfolio (Updated on 31st Oct,2019)

Portfolio Turnover Ratio : 135.00% | Category average turnover ratio is 186.84%

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

Equity Holding : 76.93% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 76.93%

No of Stocks : 34 (Category Avg - 45.94) | Large Cap Investments : 50.61%| Mid Cap Investments : 10.89% | Small Cap Investments : 4.32% | Other : 11.11%

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	1M Change in Qty
- HDFC Bank Ltd.	Banks	492.1	8.85%	0.00%	8.85% (Sep 2019)	6.17% (Feb 2019)	4.00 L	0.00
ICICI Bank Ltd.	Banks	331.1	5.95%	0.75%	5.95% (Oct 2019)	3.6% (Nov 2018)	7.15 L	50.00 k
Housing Development Finance Corporation Ltd.	Housing finance	330.4	5.94%	1.31%	5.94% (Oct 2019)	1.2% (Apr 2019)	1.55 L	25.00 k
Reliance Industries Ltd.	Refineries/marketing	190.4	3.42%	0.30%	3.87% (May 2019)	2.19% (Feb 2019)	1.30 L	0.00
Tata Consultancy Services Ltd.	Computers - software	170.2	3.06%	0.22%	3.09% (Aug 2019)	1.35% (May 2019)	75.00 k	0.00
- Larsen & Toubro Ltd.	Engineering, designing, construction	169.4	3.05%	0.00%	3.05% (Oct 2019)	1.84% (Nov 2018)	1.15 L	0.00
Infosys Ltd.	Computers - software	157.7	2.84%	2.26%	4.92% (Jan 2019)	0% (Nov 2018)	2.30 L	1.90 L
State Bank Of India	Banks	156.2	2.81%	0.52%	2.85% (Jul 2019)	0.98% (Nov 2018)	5.00 L	30.00 k
City Union Bank Ltd.	Banks	152.6	2.74%	-0.10%	2.84% (Sep 2019)	1.72% (Nov 2018)	7.20 L	0.00
Marico Ltd.	Personal care	146.3	2.63%	-0.21%	2.86% (Aug 2019)	1.41% (Feb 2019)	4.00 L	0.00

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

Detailed Portfolio Analysis

No of Debt Holding 20 (Category Avg - 26.12) | Modified Duration 2.97 Years (Category Avg - 2.23)| Yield to Maturity - -- (Category Avg - 7.78%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	1.58%	4.09%
CD	1.41%	1.09%
T-Bills	0.00%	0.56%
CP	0.53%	0.74%
NCD & Bonds	17.27%	15.89%
PTC	0.00%	0.18%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	1.58%	4.65%
Low Risk	17.63%	14.25%
Moderate Risk	1.58%	3.63%
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 (%)
Net Receivables	Net Receivables	1.86%
FD - HDFC Bank Ltd.	FD	0.41%
TREPS	TREPS	0.01%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 29th November, 2019)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

9.62vs7.35

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

1.11vs0.64

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.17vs0.24

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.01vs0.03

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-5vs-1.73

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
BNP Paribas Substantial Equity Hybrid Fund - Direct Plan - Growth	NA	332.76	-0.47	8.58	9.11	19.41	0.00
Axis Equity Hybrid Fund - Direct Plan - Growth	NA	1829.46	-0.70	9.38	7.61	16.84	0.00
Motilal Oswal Equity Hybrid Fund - Direct Plan - Growth	NA	279.70	-0.44	9.86	7.63	16.81	0.00
DSP Equity & Bond Fund - Direct Plan - Growth	3	6303.10	-0.92	8.12	5.21	16.29	11.34
Kotak Equity Hybrid - Direct Plan - Growth	3	1466.16	0.29	9.02	3.69	15.71	10.17
SBI Equity Hybrid Fund - Direct Plan - Growth	4	30906.44	0.21	7.10	4.12	15.64	12.63
LIC MF Equity Hybrid Fund - Plan C - Direct Plan - Growth	4	390.32	0.48	7.02	5.10	15.14	9.84
Essel Equity Hybrid Fund - Direct Plan - Growth	NA	234.21	0.98	8.06	3.76	14.72	0.00
Mirae Asset Hybrid - Equity - Direct Plan - Growth	5	2808.50	0.29	7.35	3.39	14.38	14.46
Invesco India Equity & Bond Fund - Direct Plan - Growth	NA	428.03	0.09	7.93	5.31	13.91	0.00

Detailed Comparison

More Funds from Baroda Pioneer Mutual Fund

Out of 19 mutual fund schemes offered by this AMC, 1 is/are ranked 4 * , 4 is/are ranked 3 * , 2 is/are ranked 2 * , 2 is/are ranked 1 * , and 10 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Baroda Liquid Fund - Plan B (Direct) - Growth	4	5835.31	0.44	1.41	3.06	6.88	7.05
Baroda Multi Cap Fund - Plan B (Direct) - Growth	2	819.69	-1.29	7.25	-0.43	11.84	9.16
Baroda Credit Risk Fund - Plan B (Direct) - Growth	3	698.96	0.18	0.91	2.06	3.51	6.44
Baroda Hybrid Equity Fund - Plan B (Direct) - Growth	2	556.11	-1.28	5.97	-0.67	5.78	7.90
Baroda Equity Savings Fund - Direct Plan - Growth	NA	463.51	-0.10	3.29	0.00	0.00	0.00
Baroda Dynamic Equity Fund - Direct - Growth	NA	418.03	-0.71	6.34	4.47	12.64	0.00
Baroda Ultra Short Duration Fund - Direct Plan - Growth	NA	335.73	0.47	1.63	3.64	7.99	0.00
Baroda Short Term Bond Fund - Plan B (Direct) - Growth	3	314.79	0.52	1.86	4.50	9.75	8.51
Baroda Overnight Fund - Direct Plan - Growth	NA	245.99	0.40	1.24	2.63	0.00	0.00
Baroda ELSS - 96 - Plan B (Direct) - Growth	1	162.97	-1.88	7.53	-0.86	8.04	7.30