Baroda BNP Paribas Retirement Fund Direct Growth

Fund Overview

Fund Size

₹372 Cr

Expense Ratio

0.47%

ISIN

INF251K01TJ0

Minimum SIP

₹1,000

Exit Load

No Charges

Inception Date

31 May 2024

About this fund

This fund has been in existence for 11 months and 13 days, having been launched on 31-May-24.
As of 12-May-25, it has a Net Asset Value (NAV) of ₹11.03, Assets Under Management (AUM) of 372.35 Crores, and an expense ratio of 0.47%.

Baroda BNP Paribas Retirement Fund Direct Growth has given a CAGR return of 10.36% since inception.
The fund's asset allocation comprises around 73.83% in equities, 24.00% in debts, and 2.18% 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.

Since Inception

+10.36%

— (Cat Avg.)

Portfolio Summaryas of 30th April 2025

Equity	₹274.9 Cr	73.83%
Debt	₹89.35 Cr	24.00%
Others	₹8.1 Cr	2.18%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.34% Govt Stock 2064	Bond - Gov't/Treasury	₹64.55 Cr	17.34%
HDFC Bank Ltd	Equity	₹21.18 Cr	5.69%
ICICI Bank Ltd	Equity	₹16.7 Cr	4.48%
Reliance Industries Ltd	Equity	₹12.79 Cr	3.43%
Anzen India Energy Yield Plus Trust Units	Equity	₹10.83 Cr	2.91%
6.79% Govt Stock 2034	Bond - Gov't/Treasury	₹10.3 Cr	2.77%
Jamnagar Utilities And Power Private Limited	Bond - Corporate Bond	₹10.21 Cr	2.74%
Infosys Ltd	Equity	₹8.51 Cr	2.28%
Clearing Corporation Of India Ltd	Cash - Repurchase Agreement	₹8.44 Cr	2.27%
Bharti Airtel Ltd	Equity	₹8.15 Cr	2.19%
Divi's Laboratories Ltd	Equity	₹8.03 Cr	2.16%
Hitachi Energy India Ltd Ordinary Shares	Equity	₹5.71 Cr	1.53%
Bharat Heavy Electricals Ltd	Equity	₹5.67 Cr	1.52%
AWL Agri Business Ltd	Equity	₹5.53 Cr	1.48%
Kotak Mahindra Bank Ltd	Equity	₹5.52 Cr	1.48%
UltraTech Cement Ltd	Equity	₹5.35 Cr	1.44%
ITC Ltd	Equity	₹5.32 Cr	1.43%
Mahindra & Mahindra Ltd	Equity	₹4.98 Cr	1.34%
Cholamandalam Investment and Finance Co Ltd	Equity	₹4.92 Cr	1.32%
Bank of Baroda	Equity	₹4.87 Cr	1.31%
Navin Fluorine International Ltd	Equity	₹4.75 Cr	1.28%
NTPC Ltd	Equity	₹4.61 Cr	1.24%
Varun Beverages Ltd	Equity	₹4.59 Cr	1.23%
PNB Housing Finance Ltd	Equity	₹4.55 Cr	1.22%
AU Small Finance Bank Ltd	Equity	₹4.48 Cr	1.20%
Mrs Bectors Food Specialities Ltd Ordinary Shares	Equity	₹4.32 Cr	1.16%
Piramal Finance Limited	Bond - Corporate Bond	₹4.29 Cr	1.15%
Max Financial Services Ltd	Equity	₹4.2 Cr	1.13%
Dixon Technologies (India) Ltd	Equity	₹4.11 Cr	1.10%
Eternal Ltd	Equity	₹4.07 Cr	1.09%
Radico Khaitan Ltd	Equity	₹3.93 Cr	1.06%
Jyoti CNC Automation Ltd	Equity	₹3.92 Cr	1.05%
Tech Mahindra Ltd	Equity	₹3.76 Cr	1.01%
Max Healthcare Institute Ltd Ordinary Shares	Equity	₹3.73 Cr	1.00%
Havells India Ltd	Equity	₹3.7 Cr	0.99%
Larsen & Toubro Ltd	Equity	₹3.61 Cr	0.97%
State Bank of India	Equity	₹3.55 Cr	0.95%
Linde India Ltd	Equity	₹3.55 Cr	0.95%
Power Finance Corp Ltd	Equity	₹3.48 Cr	0.94%
TVS Motor Co Ltd	Equity	₹3.47 Cr	0.93%
Ambuja Cements Ltd	Equity	₹3.45 Cr	0.93%
Cipla Ltd	Equity	₹3.41 Cr	0.92%
Sagility India Ltd	Equity	₹3.38 Cr	0.91%
Persistent Systems Ltd	Equity	₹3.3 Cr	0.89%
Cummins India Ltd	Equity	₹3.18 Cr	0.86%
PB Fintech Ltd	Equity	₹3.12 Cr	0.84%
Power Grid Corp Of India Ltd	Equity	₹3.07 Cr	0.83%
Maruti Suzuki India Ltd	Equity	₹3.06 Cr	0.82%
LTIMindtree Ltd	Equity	₹3.03 Cr	0.81%
Hindalco Industries Ltd	Equity	₹3 Cr	0.81%
Dabur India Ltd	Equity	₹2.96 Cr	0.79%
Vinati Organics Ltd	Equity	₹2.9 Cr	0.78%
Trent Ltd	Equity	₹2.79 Cr	0.75%
3M India Ltd	Equity	₹2.71 Cr	0.73%
City Union Bank Ltd	Equity	₹2.65 Cr	0.71%
Multi Commodity Exchange of India Ltd	Equity	₹2.64 Cr	0.71%
Bajaj Finance Ltd	Equity	₹2.59 Cr	0.70%
Adani Ports & Special Economic Zone Ltd	Equity	₹2.55 Cr	0.69%
Info Edge (India) Ltd	Equity	₹2.55 Cr	0.68%
UNO Minda Ltd	Equity	₹2.5 Cr	0.67%
Concord Biotech Ltd	Equity	₹2.29 Cr	0.62%
GE Vernova T&D India Ltd	Equity	₹2.28 Cr	0.61%
Hexaware Technologies Ltd Ordinary Shares	Equity	₹1.03 Cr	0.28%
Net Receivables / (Payables)	Cash - Collateral	₹-0.33 Cr	0.09%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹95.27 Cr	25.59%
Industrials	₹33.34 Cr	8.95%
Consumer Defensive	₹26.65 Cr	7.16%
Technology	₹23.74 Cr	6.38%
Basic Materials	₹23 Cr	6.18%
Consumer Cyclical	₹20.88 Cr	5.61%
Healthcare	₹20.85 Cr	5.60%
Energy	₹12.79 Cr	3.43%
Communication Services	₹10.69 Cr	2.87%
Utilities	₹7.68 Cr	2.06%

Risk & Performance Ratios

Fund Managers

Gurvinder Wasan

Since October 2024

Pratish Krishnan

Since May 2024

Ankeet Pandya

Since January 2025

Additional Scheme Detailsas of 30th April 2025

ISIN

INF251K01TJ0

Expense Ratio

0.47%

Exit Load

No Charges

Fund Size

₹372 Cr

Age

11 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	2.3%	0.0%	₹372.35 Cr	-
Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk	0.5%	0.0%	₹372.35 Cr	-
PGIM India Retirement Fund Direct Growth Very High Risk	0.7%	0.0%	₹80.58 Cr	16.9%
PGIM India Retirement Fund Regular Growth Very High Risk	2.3%	0.0%	₹80.58 Cr	14.9%
Bandhan Retirement Fund Regular Growth Very High Risk	2.4%	0.0%	₹171.73 Cr	8.9%
Bandhan Retirement Fund Direct Growth Very High Risk	0.7%	0.0%	₹171.73 Cr	10.7%
Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk	1.0%	0.0%	₹155.56 Cr	11.0%
Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk	2.1%	0.0%	₹155.56 Cr	9.8%
Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk	2.0%	0.0%	₹3118.53 Cr	10.5%
Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk	1.0%	0.0%	₹3118.53 Cr	11.5%
ICICI Prudential Retirement Fund Pure Debt Plan Regular Growth Moderately High risk	2.2%	0.0%	₹106.24 Cr	8.3%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Direct Growth Very High Risk	1.0%	0.0%	₹754.57 Cr	11.8%
ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth Very High Risk	1.0%	0.0%	₹1073.69 Cr	13.1%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Regular Growth Very High Risk	2.3%	0.0%	₹754.57 Cr	10.2%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth High Risk	0.6%	0.0%	₹79.42 Cr	8.7%
ICICI Prudential Retirement Fund Pure Debt Plan Direct Growth Moderately High risk	1.3%	0.0%	₹106.24 Cr	9.3%
ICICI Prudential Retirement Fund Pure Equity Plan Regular Growth Very High Risk	2.2%	0.0%	₹1073.69 Cr	11.6%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Regular Growth High Risk	2.1%	0.0%	₹79.42 Cr	7.4%
Tata Retirement Savings Moderate Fund Direct Growth Very High Risk	0.6%	1.0%	₹2067.20 Cr	14.0%
Tata Retirement Savings Conservative Fund Direct Growth Moderately High risk	1.0%	1.0%	₹173.23 Cr	8.7%
Tata Retirement Savings Progressive Fund Direct Growth Very High Risk	0.6%	1.0%	₹1978.10 Cr	13.0%
Franklin India Pension Plan Direct Growth Moderately High risk	1.5%	3.0%	₹505.78 Cr	10.7%
SBI Retirement Benefit Fund - Aggressive Plan Regular Growth Very High Risk	1.9%	0.0%	₹2753.41 Cr	7.7%
SBI Retirement Benefit Fund - Aggressive Plan Direct Growth Very High Risk	0.9%	0.0%	₹2753.41 Cr	8.9%
SBI Retirement Benefit Fund - Conservative Plan Regular Growth Moderately High risk	1.4%	0.0%	₹177.46 Cr	9.2%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct Growth Very High Risk	1.1%	0.0%	₹1506.90 Cr	9.3%
SBI Retirement Benefit Fund - Conservative Plan Direct Growth Moderately High risk	0.9%	0.0%	₹177.46 Cr	9.7%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Regular Growth Very High Risk	2.1%	0.0%	₹1506.90 Cr	8.2%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth Very High Risk	1.2%	0.0%	₹379.57 Cr	12.7%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Regular Growth Very High Risk	2.4%	0.0%	₹379.57 Cr	11.3%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Direct Growth Moderate Risk	0.8%	0.0%	₹17.34 Cr	8.3%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth Very High Risk	1.0%	0.0%	₹112.41 Cr	15.8%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth Very High Risk	2.4%	0.0%	₹112.41 Cr	14.2%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Regular Growth Moderate Risk	2.1%	0.0%	₹17.34 Cr	7.0%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct Growth Moderate Risk	0.6%	0.0%	₹25.98 Cr	9.4%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth Moderate Risk	1.9%	0.0%	₹25.98 Cr	7.9%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth Moderately High risk	1.7%	0.0%	₹277.42 Cr	8.2%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth Moderately High risk	1.2%	0.0%	₹277.42 Cr	8.8%
Union Retirement Fund Regular Growth Very High Risk	2.4%	0.0%	₹160.70 Cr	9.4%
Union Retirement Fund Direct Growth Very High Risk	0.9%	0.0%	₹160.70 Cr	10.8%
Franklin India Pension Plan Regular Growth Moderately High risk	2.3%	3.0%	₹505.78 Cr	9.8%
Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk	2.2%	0.0%	₹62.48 Cr	8.5%
Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk	1.3%	0.0%	₹330.45 Cr	14.2%
Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk	2.4%	0.0%	₹330.45 Cr	12.8%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk	1.1%	0.0%	₹808.30 Cr	14.2%
Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk	0.9%	0.0%	₹62.48 Cr	10.0%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk	2.3%	0.0%	₹808.30 Cr	12.7%
Tata Retirement Savings Progressive Fund Regular Growth Very High Risk	2.0%	1.0%	₹1978.10 Cr	11.4%
Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk	2.2%	1.0%	₹173.23 Cr	7.4%
Tata Retirement Savings Moderate Fund Regular Growth Very High Risk	2.0%	1.0%	₹2067.20 Cr	12.4%

Risk Level

Your principal amount will be at Very High Risk

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Still got questions?
We're here to help.

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 12-May-2025, is ₹11.03.

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

The fund's allocation of assets is distributed as 73.83% in equities, 24.00% in bonds, and 2.18% 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

₹372 Cr

Expense Ratio

0.47%

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