Baroda BNP Paribas Retirement Fund Direct Growth

Fund Overview

Fund Size

₹392 Cr

Expense Ratio

1.16%

ISIN

INF251K01TJ0

Minimum SIP

₹1,000

Exit Load

No Charges

Inception Date

31 May 2024

About this fund

Baroda BNP Paribas Retirement Fund Direct Growth is a Retirement mutual fund schemes offered by Baroda BNP Paribas Mutual Fund. This fund has been in existence for 1 years, 5 months and 14 days, having been launched on 31-May-24.
As of 13-Nov-25, it has a Net Asset Value (NAV) of ₹11.81, Assets Under Management (AUM) of 391.85 Crores, and an expense ratio of 1.16%.

Baroda BNP Paribas Retirement Fund Direct Growth has given a CAGR return of 12.13% since inception.
The fund's asset allocation comprises around 75.83% in equities, 22.11% in debts, and 2.04% in cash & cash equivalents.
You can start investing in Baroda BNP Paribas Retirement Fund Direct 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.

1 Year

+10.37%

— (Cat Avg.)

Since Inception

+12.13%

— (Cat Avg.)

Portfolio Summaryas of 31st October 2025

Equity	₹297.15 Cr	75.83%
Debt	₹86.65 Cr	22.11%
Others	₹7.99 Cr	2.04%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.34% Govt Stock 2064	Bond - Gov't/Treasury	₹62.4 Cr	15.92%
HDFC Bank Ltd	Equity	₹21.72 Cr	5.54%
ICICI Bank Ltd	Equity	₹14.17 Cr	3.62%
Reliance Industries Ltd	Equity	₹12.17 Cr	3.11%
Anzen India Energy Yield Plus Trust Units	Equity	₹11.4 Cr	2.91%
Larsen & Toubro Ltd	Equity	₹9.59 Cr	2.45%
Bharti Airtel Ltd	Equity	₹8.53 Cr	2.18%
Eternal Ltd	Equity	₹8.42 Cr	2.15%
Infosys Ltd	Equity	₹8.4 Cr	2.14%
Clearing Corporation Of India Ltd	Cash - Repurchase Agreement	₹8.15 Cr	2.08%
Divi's Laboratories Ltd	Equity	₹7.95 Cr	2.03%
Travel Food Services Ltd	Equity	₹7.28 Cr	1.86%
InterGlobe Aviation Ltd	Equity	₹7.03 Cr	1.79%
Bharat Heavy Electricals Ltd	Equity	₹6.64 Cr	1.69%
Britannia Industries Ltd	Equity	₹6.62 Cr	1.69%
Tech Mahindra Ltd	Equity	₹6.13 Cr	1.56%
Hitachi Energy India Ltd Ordinary Shares	Equity	₹5.67 Cr	1.45%
Fortis Healthcare Ltd	Equity	₹5.63 Cr	1.44%
Navin Fluorine International Ltd	Equity	₹5.57 Cr	1.42%
UltraTech Cement Ltd	Equity	₹5.5 Cr	1.40%
Mahindra & Mahindra Ltd	Equity	₹5.34 Cr	1.36%
Sagility Ltd	Equity	₹5.32 Cr	1.36%
Kotak Mahindra Bank Ltd	Equity	₹5.26 Cr	1.34%
Titan Co Ltd	Equity	₹5.25 Cr	1.34%
AU Small Finance Bank Ltd	Equity	₹5.21 Cr	1.33%
Jamnagar Utilities & Power Private Limited	Bond - Corporate Bond	₹5.12 Cr	1.31%
6.79% Govt Stock 2034	Bond - Gov't/Treasury	₹5.07 Cr	1.29%
Radico Khaitan Ltd	Equity	₹5.01 Cr	1.28%
Ntpc Limited	Bond - Corporate Bond	₹4.96 Cr	1.27%
Vishal Mega Mart Ltd	Equity	₹4.95 Cr	1.26%
TVS Motor Co Ltd	Equity	₹4.79 Cr	1.22%
Cummins India Ltd	Equity	₹4.78 Cr	1.22%
Max Financial Services Ltd	Equity	₹4.52 Cr	1.15%
GE Vernova T&D India Ltd	Equity	₹4.43 Cr	1.13%
Persistent Systems Ltd	Equity	₹4.41 Cr	1.12%
NTPC Ltd	Equity	₹4.38 Cr	1.12%
Nippon Life India Asset Management Ltd Ordinary Shares	Equity	₹4.37 Cr	1.12%
Axis Bank Ltd	Equity	₹4.31 Cr	1.10%
One97 Communications Ltd	Equity	₹4.3 Cr	1.10%
Piramal Finance Limited	Bond - Corporate Bond	₹4.28 Cr	1.09%
State Bank of India	Equity	₹4.22 Cr	1.08%
Hindalco Industries Ltd	Equity	₹4.07 Cr	1.04%
Cholamandalam Investment and Finance Co Ltd	Equity	₹4.06 Cr	1.04%
Indiqube Spaces Ltd	Equity	₹3.92 Cr	1.00%
Ujjivan Small Finance Bank Ltd Ordinary Shares	Equity	₹3.91 Cr	1.00%
Max Healthcare Institute Ltd Ordinary Shares	Equity	₹3.9 Cr	1.00%
Hyundai Motor India Ltd	Equity	₹3.9 Cr	1.00%
Punjab National Bank	Equity	₹3.86 Cr	0.98%
LTIMindtree Ltd	Equity	₹3.75 Cr	0.96%
Ambuja Cements Ltd	Equity	₹3.62 Cr	0.92%
City Union Bank Ltd	Equity	₹3.43 Cr	0.88%
PB Fintech Ltd	Equity	₹3.43 Cr	0.87%
Linde India Ltd	Equity	₹3.37 Cr	0.86%
Cipla Ltd	Equity	₹3.3 Cr	0.84%
Multi Commodity Exchange of India Ltd	Equity	₹3.2 Cr	0.82%
Bajaj Finance Ltd	Equity	₹3.13 Cr	0.80%
Adani Ports & Special Economic Zone Ltd	Equity	₹3.05 Cr	0.78%
6.9% Govt Stock 2065	Bond - Gov't/Treasury	₹2.85 Cr	0.73%
7.09% Govt Stock 2054	Bond - Gov't/Treasury	₹1.96 Cr	0.50%
Net Receivables / (Payables)	Cash	₹-0.16 Cr	0.04%
Tvs Motor Company Limited	Preferred Stock	₹0.05 Cr	0.01%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹88.78 Cr	22.66%
Industrials	₹41.19 Cr	10.51%
Consumer Cyclical	₹39.92 Cr	10.19%
Technology	₹26.99 Cr	6.89%
Healthcare	₹26.1 Cr	6.66%
Basic Materials	₹22.13 Cr	5.65%
Utilities	₹15.78 Cr	4.03%
Energy	₹12.17 Cr	3.11%
Consumer Defensive	₹11.63 Cr	2.97%
Communication Services	₹8.53 Cr	2.18%
Real Estate	₹3.92 Cr	1.00%

Risk & Performance Ratios

Fund Managers

Gurvinder Wasan

Since October 2024

Pratish Krishnan

Since May 2024

Ankeet Pandya

Since January 2025

Additional Scheme Detailsas of 31st October 2025

ISIN

INF251K01TJ0

Expense Ratio

1.16%

Exit Load

No Charges

Fund Size

₹392 Cr

Age

1 year 5 months

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:

Dividend Taxation:

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
Baroda BNP Paribas Retirement Fund Regular Growth Very High Risk	2.4%	0.0%	₹391.85 Cr	8.6%
Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk	1.2%	0.0%	₹391.85 Cr	10.4%
PGIM India Retirement Fund Direct Growth Very High Risk	0.7%	0.0%	₹96.28 Cr	10.4%
PGIM India Retirement Fund Regular Growth Very High Risk	2.3%	0.0%	₹96.28 Cr	8.6%
Bandhan Retirement Fund Regular Growth Moderately High risk	2.4%	0.0%	₹186.48 Cr	8.0%
Bandhan Retirement Fund Direct Growth Moderately High risk	0.7%	0.0%	₹186.48 Cr	9.8%
Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk	1.0%	0.0%	₹149.64 Cr	5.5%
Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk	2.1%	0.0%	₹149.64 Cr	4.4%
Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk	1.9%	0.0%	₹3257.64 Cr	5.5%
Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk	1.0%	0.0%	₹3257.64 Cr	6.5%
ICICI Prudential Retirement Fund Pure Debt Plan Regular Growth Moderately High risk	2.2%	0.0%	₹98.36 Cr	6.0%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Direct Growth Very High Risk	0.7%	0.0%	₹997.52 Cr	16.1%
ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth Very High Risk	0.7%	0.0%	₹1516.19 Cr	19.5%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Regular Growth Very High Risk	2.2%	0.0%	₹997.52 Cr	14.4%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth Moderately High risk	0.9%	0.0%	₹84.08 Cr	10.8%
ICICI Prudential Retirement Fund Pure Debt Plan Direct Growth Moderately High risk	1.2%	0.0%	₹98.36 Cr	7.0%
ICICI Prudential Retirement Fund Pure Equity Plan Regular Growth Very High Risk	2.0%	0.0%	₹1516.19 Cr	17.8%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Regular Growth Moderately High risk	2.1%	0.0%	₹84.08 Cr	9.4%
Tata Retirement Savings Moderate Fund Direct Growth Very High Risk	0.6%	1.0%	₹2180.05 Cr	7.3%
Tata Retirement Savings Conservative Fund Direct Growth Moderately High risk	1.0%	1.0%	₹175.47 Cr	6.4%
Tata Retirement Savings Progressive Fund Direct Growth Very High Risk	0.5%	1.0%	₹2117.15 Cr	5.8%
Franklin India Pension Plan Direct Growth Moderately High risk	1.4%	3.0%	₹521.42 Cr	7.3%
SBI Retirement Benefit Fund - Aggressive Plan Regular Growth Very High Risk	1.9%	0.0%	₹3124.46 Cr	4.2%
SBI Retirement Benefit Fund - Aggressive Plan Direct Growth Very High Risk	0.9%	0.0%	₹3124.46 Cr	5.3%
SBI Retirement Benefit Fund - Conservative Plan Regular Growth Moderately High risk	1.4%	0.0%	₹175.20 Cr	5.2%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct Growth Very High Risk	1.1%	0.0%	₹1679.35 Cr	7.1%
SBI Retirement Benefit Fund - Conservative Plan Direct Growth Moderately High risk	0.9%	0.0%	₹175.20 Cr	5.7%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Regular Growth Very High Risk	2.1%	0.0%	₹1679.35 Cr	6.1%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth Very High Risk	1.2%	0.0%	₹427.16 Cr	11.9%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Regular Growth Very High Risk	2.4%	0.0%	₹427.16 Cr	10.6%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Direct Growth Moderate Risk	0.8%	0.0%	₹16.80 Cr	6.3%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth Very High Risk	1.0%	0.0%	₹117.70 Cr	11.1%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth Very High Risk	2.4%	0.0%	₹117.70 Cr	9.6%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Regular Growth Moderate Risk	2.1%	0.0%	₹16.80 Cr	5.2%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct Growth Moderate Risk	0.6%	0.0%	₹26.72 Cr	8.3%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth Moderate Risk	1.9%	0.0%	₹26.72 Cr	6.9%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth Moderately High risk	1.7%	0.0%	₹287.83 Cr	4.8%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth Moderately High risk	1.2%	0.0%	₹287.83 Cr	5.4%
Union Retirement Fund Regular Growth Very High Risk	2.4%	0.0%	₹186.21 Cr	9.5%
Union Retirement Fund Direct Growth Very High Risk	1.1%	0.0%	₹186.21 Cr	10.9%
Franklin India Pension Plan Regular Growth Moderately High risk	2.3%	3.0%	₹521.42 Cr	6.4%
Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk	2.1%	0.0%	₹54.62 Cr	5.2%
Axis Retirement Savings Fund - Dynamic Plan Direct Growth High Risk	1.2%	0.0%	₹316.43 Cr	6.7%
Axis Retirement Savings Fund - Dynamic Plan Regular Growth High Risk	2.4%	0.0%	₹316.43 Cr	5.5%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth High Risk	1.1%	0.0%	₹778.13 Cr	7.6%
Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk	1.1%	0.0%	₹54.62 Cr	6.5%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth High Risk	2.3%	0.0%	₹778.13 Cr	6.3%
Tata Retirement Savings Progressive Fund Regular Growth Very High Risk	2.0%	1.0%	₹2117.15 Cr	4.3%
Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk	2.2%	1.0%	₹175.47 Cr	5.1%
Tata Retirement Savings Moderate Fund Regular Growth Very High Risk	2.0%	1.0%	₹2180.05 Cr	5.8%

About the AMC

Baroda BNP Paribas Mutual Fund

+91 22 69209600

https://www.barodabnpparibasmf.in/

Total AUM

₹47,997 Cr

Address

Crescenzo, 7th Floor, G-Block, Mumbai, 400 051

Other Funds by Baroda BNP Paribas Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Baroda BNP Paribas Business Conglomerates Fund Direct Growth Very High Risk	0.5%	1.0%	₹753.66 Cr	-
Baroda BNP Paribas Gold ETF Fund Of Fund Direct Growth High Risk	0.1%	1.0%	₹102.07 Cr	-
Baroda BNP Paribas Health and Wellness Fund Direct Growth Very High Risk	0.4%	1.0%	₹621.16 Cr	-
Baroda BNP Paribas Multi Asset Active Fund of Funds Regular Growth Moderately High risk	0.1%	1.0%	₹122.00 Cr	-
Baroda BNP Paribas Income Plus Arbitrage Active Fund of Fund Direct Growth Moderate Risk	0.1%	0.0%	₹104.87 Cr	-
Baroda BNP Paribas Energy Opportunities Fund Direct Growth Very High Risk	0.7%	1.0%	₹732.19 Cr	-
Baroda BNP Paribas Children's Fund Direct Growth Very High Risk	0.4%	1.0%	₹103.64 Cr	-
Baroda BNP Paribas NIFTY Midcap 150 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹9.75 Cr	11.5%
Baroda BNP Paribas Nifty200 Momentum 30 Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹25.53 Cr	-4.1%
Baroda BNP Paribas Dividend Yield Fund Direct Growth Very High Risk	0.5%	1.0%	₹870.30 Cr	8.1%
Baroda Bnp Paribas Manufacturing Fund Direct Growth Very High Risk	0.9%	1.0%	₹1102.39 Cr	10.1%
Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk	1.2%	0.0%	₹391.85 Cr	10.4%
Baroda BNP Paribas Innovation Fund Direct Growth Very High Risk	1.1%	1.0%	₹933.59 Cr	6.5%
Baroda BNP Paribas NIFTY 50 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹62.38 Cr	10.8%
Baroda BNP Paribas Small Cap Fund Direct Growth Very High Risk	0.9%	1.0%	₹1269.68 Cr	2.5%
Baroda BNP Paribas Aqua Fund of Fund Direct Growth Very High Risk	0.5%	1.0%	₹30.41 Cr	13.9%
Baroda BNP Paribas Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹843.29 Cr	6.0%
Baroda BNP Paribas Business Cycle Fund Direct Growth Very High Risk	0.9%	1.0%	₹580.91 Cr	4.0%
Baroda BNP Paribas Multi Asset Fund Direct Growth Very High Risk	0.9%	1.0%	₹1248.19 Cr	14.6%
Baroda BNP Paribas Floater Fund Direct Growth Moderate Risk	0.2%	0.0%	₹17.70 Cr	8.8%
Baroda BNP Paribas Banking and PSU Bond Fund Direct Growth Moderate Risk	0.4%	0.0%	₹26.92 Cr	8.2%
Baroda BNP Paribas Banking and Financial Services Fund Direct Growth Very High Risk	0.8%	1.0%	₹339.31 Cr	18.2%
Baroda BNP Paribas Gilt Fund Direct Growth Moderate Risk	0.1%	0.0%	₹1313.13 Cr	6.7%
Baroda BNP Paribas Multi Cap Fund Direct Growth Very High Risk	0.9%	1.0%	₹3108.17 Cr	5.1%
Baroda BNP Paribas Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹9630.37 Cr	6.7%
Baroda BNP Paribas Corporate Bond Fund Direct Growth Moderate Risk	0.2%	0.0%	₹437.48 Cr	9.0%
Baroda BNP Paribas Large Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹2729.20 Cr	6.3%
Baroda BNP Paribas Dynamic Bond Fund Direct Growth Moderate Risk	0.7%	0.0%	₹201.33 Cr	6.2%
Baroda BNP Paribas Mid Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹2276.13 Cr	9.1%
Baroda BNP Paribas Conservative Hybrid Fund Direct Growth Moderately High risk	0.5%	1.0%	₹823.41 Cr	8.2%
Baroda BNP Paribas Low Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹282.97 Cr	7.9%
Baroda BNP Paribas ELSS Fund Direct Growth Very High Risk	1.0%	0.0%	₹934.60 Cr	9.5%
Baroda BNP Paribas Short Duration Fund Direct Growth Moderate Risk	0.4%	0.0%	₹271.94 Cr	8.7%
Baroda BNP Paribas Balanced Advantage Fund Direct Growth Very High Risk	0.7%	1.0%	₹4544.91 Cr	11.3%
Baroda BNP Paribas Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹2936.84 Cr	7.7%
Baroda BNP Paribas Aggressive Hybrid Fund Direct Growth Very High Risk	0.5%	1.0%	₹1256.37 Cr	6.8%
Baroda BNP Paribas Focused Fund Direct Growth Very High Risk	0.5%	1.0%	₹707.50 Cr	8.3%
Baroda BNP Paribas NIFTY SDL December 2028 Index Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹29.24 Cr	8.6%
Baroda BNP Paribas India Consumption Fund Direct Growth Very High Risk	0.6%	1.0%	₹1552.24 Cr	6.1%
Baroda BNP Paribas Value Fund Direct Growth Very High Risk	1.1%	1.0%	₹1210.12 Cr	2.2%
Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk	0.8%	1.0%	₹199.42 Cr	9.2%
Baroda BNP Paribas Arbitrage Fund Direct Growth Low Risk	0.3%	0.0%	₹1279.43 Cr	7.0%
Baroda BNP Paribas Large & Mid Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹1606.57 Cr	6.0%
Baroda BNP Paribas Medium Duration Fund Direct Growth Moderate Risk	0.7%	1.0%	₹28.33 Cr	7.7%
Baroda BNP Paribas Equity Savings Fund Direct Growth Moderately High risk	1.4%	1.0%	₹270.00 Cr	9.4%
Baroda BNP Paribas NIFTY SDL December 2026 Index Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹118.21 Cr	7.9%
Baroda BNP Paribas Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹1206.74 Cr	7.4%
Baroda BNP Paribas Flexi Cap Fund Direct Growth Very High Risk	1.0%	1.0%	₹1230.48 Cr	7.5%

Risk Level

Your principal amount will be at Very High Risk

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Still got questions?
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What is the current NAV of Baroda BNP Paribas Retirement Fund Direct Growth?

The NAV of Baroda BNP Paribas Retirement Fund Direct Growth, as of 13-Nov-2025, is ₹11.81.

What is the portfolio composition of Baroda BNP Paribas Retirement Fund Direct Growth?

The fund's allocation of assets is distributed as 75.83% in equities, 22.11% in bonds, and 2.04% in cash and cash equivalents.

Who manages the Baroda BNP Paribas Retirement Fund Direct Growth?

The fund managers responsible for Baroda BNP Paribas Retirement Fund Direct Growth are:-

Gurvinder Wasan
Pratish Krishnan
Ankeet Pandya

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Fund Overview

Fund Size

₹392 Cr

Expense Ratio

1.16%

ISIN

INF251K01TJ0

Minimum SIP

₹1,000

Exit Load

No Charges

Inception Date

31 May 2024

Risk Level

Your principal amount will be at Very High Risk