Baroda BNP Paribas Retirement Fund is a mutual fund run by Baroda BNP Paribas Mutual Fund. On 30-09-2026, it managed ₹387 Cr of investors' money. In the year to 30-10-2026, its Direct plan returned −2.1% and its Regular plan returned −3.4%.
NAV (Direct plan)
₹11.52
▼ 0.45% · 30-10-2026
NAV (Regular plan)
₹11.07
▼ 0.45% · 30-10-2026
Expense ratio
1.16%Direct2.55%Regular
1.16%
A year
Riskometer
Not available
Set by the fund house
1 year return
−2.1%Direct−3.4%Regular
−2.1%
Total
Baroda BNP Paribas Retirement Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹11.52 (down 0.45% that day); Regular Plan Growth ₹11.07 (down 0.45% that day).
This fund (Direct plan)
₹11.5212
Baroda BNP Paribas Retirement Fund Returns
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−1.21%
−3.75%
−0.14%
−2.06%
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--
--
This fund (Regular)
−1.32%
−4.10%
−0.86%
−3.43%
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Category average
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Best in category
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Worst in category
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Rank in category
--
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No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds. The fund house names no benchmark we can show.
Baroda BNP Paribas Retirement Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
−3.05%
−4.19%
2025
+7.59%
+5.93%
Baroda BNP Paribas Retirement Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 1-year holding period, plotted on the day it ended. There are 349 periods, one for each trading day from 02-06-2025 to 30-10-2026.
−5%0%5%10%15%20%
Baroda BNP Paribas Retirement Fund (Direct)
Jul 2024 to Jul 2025Oct 2024 to Oct 2025Jan 2025 to Jan 2026Apr 2025 to Apr 2026Jun 2025 to Jun 2026Sept 2025 to Sept 2026
Baroda BNP Paribas Retirement Fund (Direct)
3%
Below 0%
36%
0-5%
48%
5-10%
12%
10-15%
1%
15-20%
0%
20-25%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
1 year
349
6.3%
−3.5%
15.7%
3%
2 years
104
5.7%
1.3%
8.7%
0%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. Past returns do not promise future returns.
Baroda BNP Paribas Retirement Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Baroda BNP Paribas Retirement Fund (Direct)This fund
Return (CAGR)
−2.06%
Standard deviation
11.27%
Sharpe ratio
-0.65
Sortino ratio
-0.86
Maximum drawdown
−11.0%
(30-03-2026)
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Baroda BNP Paribas Retirement Fund (Direct)This fund
Return (CAGR)
+6.06%
Standard deviation
11.18%
Sharpe ratio
0.02
Sortino ratio
0.03
Maximum drawdown
−12.4%
(28-02-2025)
From daily NAVs, 31-05-2024 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−15%−10%−5%0%
Baroda BNP Paribas Retirement Fund (Direct)
20252026
Baroda BNP Paribas Retirement Fund (Direct)
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Baroda BNP Paribas Retirement Fund (Direct)
−12.4%
26-09-2024
28-02-2025
25-06-2025
4 months
−6.2%
From the Direct plan's daily NAV since 31-05-2024, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.
Baroda BNP Paribas Retirement Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Direct
0.90%
0.03%
0.00%
0.23%
1.16%
Regular
2.10%
0.03%
0.00%
0.42%
2.55%
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
−3.43%
−2.06%
1.37%
₹96,570
₹97,940
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Baroda BNP Paribas Retirement Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 31-05-2024 to 30-10-2026: 30 instalments, ₹3,00,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planBaroda BNP Paribas Retirement Fund (Direct)
₹3,00,000
₹3,09,683
₹9,683
2.5%
Regular planBaroda BNP Paribas Retirement Fund (Regular)
₹3,00,000
₹3,03,677
₹3,677
1.0%
₹0₹1.0 L₹2.0 L₹3.0 L₹4.0 L
Direct planBaroda BNP Paribas Retirement Fund (Direct)
Regular planBaroda BNP Paribas Retirement Fund (Regular)
Amount invested
20252026
Direct planBaroda BNP Paribas Retirement Fund (Direct)Regular planBaroda BNP Paribas Retirement Fund (Regular)Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Baroda BNP Paribas Retirement Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
70.2%Equity
Asset
Fund
Equity
70.2%
Debt
25.6%
Cash and others
4.2%
Market cap of stocks
Market cap
Fund
Large Cap
41.5%
Mid Cap
18.1%
Small Cap
10.6%
Share of the whole fund. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Credit rating
Bonds and money market papers by credit rating, % of the fund.
Rating
Fund
Sovereign
23.3%
AAA and A1+
1.3%
AA
1.1%
Baroda BNP Paribas Retirement Fund Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Banks15.8%
Automobiles4.7%
Electrical Equipment4.6%
Pharmaceuticals & Biotechnology3.9%
Capital Markets3.8%
Chemicals & Petrochemicals3.6%
IT - Software3.5%
Finance3.4%
Petroleum Products2.9%
Construction2.7%
The ten largest of 26 sectors. The other 16 add up to 21.3%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Banks
16.5%
16.0%
15.8%
−0.7%
Automobiles
5.0%
4.9%
4.7%
−0.3%
Electrical Equipment
4.7%
5.0%
4.6%
−0.1%
Pharmaceuticals & Biotechnology
3.4%
3.8%
3.9%
+0.5%
Capital Markets
3.6%
3.9%
3.8%
+0.2%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
Baroda BNP Paribas Retirement Fund Portfolio Holdings
As on 30-09-2026 · 58 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
6.9% Government of India (15/04/2065) · Government security
Sovereign
18.30%
7.34% Government of India (22/04/2064) · Government security
Sovereign
3.98%
ICICI Bank Limited
Banks
2.73%
0.0%
Larsen & Toubro Limited
Construction
2.67%
0.0%
Divi's Laboratories Limited
Pharmaceuticals & Biotechnology
2.64%
0.0%
State Bank of India
Banks
2.23%
0.0%
HDFC Bank Limited
Banks
2.20%
0.0%
Titan Company Limited
Consumer Durables
2.01%
0.0%
Bharat Heavy Electricals Limited
Electrical Equipment
1.95%
0.0%
Bharti Airtel Limited
Telecom - Services
1.88%
0.0%
Multi Commodity Exchange of India Limited
Capital Markets
1.83%
0.0%
Axis Bank Limited
Banks
1.82%
0.0%
Radico Khaitan Limited
Beverages
1.77%
0.0%
Navin Fluorine International Limited
Chemicals & Petrochemicals
1.70%
−9.5%
Hitachi Energy India Limited
Electrical Equipment
1.58%
0.0%
Reliance Industries Limited
Petroleum Products
1.53%
0.0%
Mahindra & Mahindra Limited
Automobiles
1.52%
0.0%
PNB Housing Finance Limited
Finance
1.45%
0.0%
TVS Motor Company Limited
Automobiles
1.45%
0.0%
One 97 Communications Limited
Financial Technology (Fintech)
1.43%
0.0%
Tech Mahindra Limited
IT - Software
1.42%
0.0%
Britannia Industries Limited
Food Products
1.42%
0.0%
Nippon Life India Asset Management Limited
Capital Markets
1.38%
0.0%
Travel Food Services Limited
Leisure Services
1.37%
0.0%
Hindustan Petroleum Corporation Limited
Petroleum Products
1.36%
0.0%
Bharat Electronics Limited
Aerospace & Defense
1.35%
0.0%
Mankind Pharma Limited
Pharmaceuticals & Biotechnology
1.29%
0.0%
Kotak Mahindra Bank Limited
Banks
1.29%
0.0%
7.90% Jamnagar Utilities & Power Private Limited (10/08/2028) · Bond
CRISIL AAA
1.29%
Ujjivan Small Finance Bank Limited
Banks
1.27%
0.0%
AU Small Finance Bank Limited
Banks
1.25%
0.0%
Cummins India Limited
Industrial Products
1.23%
0.0%
City Union Bank Limited
Banks
1.17%
0.0%
Persistent Systems Limited
IT - Software
1.12%
0.0%
SBI Life Insurance Company Limited
Insurance
1.10%
0.0%
GE Vernova T&D India Limited
Electrical Equipment
1.09%
−16.7%
Fortis Healthcare Limited
Healthcare Services
1.09%
0.0%
Tata Motors Ltd
Agricultural, Commercial & Construction Vehicles
1.08%
0.0%
6.75% Piramal Finance Limited (26/09/2031) · Bond
ICRA AA+
1.06%
Cholamandalam Investment and Finance Company Ltd
Finance
1.00%
0.0%
UltraTech Cement Limited
Cement & Cement Products
0.99%
0.0%
Bajaj Finance Limited
Finance
0.99%
0.0%
The Federal Bank Limited
Banks
0.98%
0.0%
Pidilite Industries Limited
Chemicals & Petrochemicals
0.95%
0.0%
Linde India Limited
Chemicals & Petrochemicals
0.91%
0.0%
Ola Electric Mobility Ltd
Automobiles
0.91%
0.0%
Infosys Limited
IT - Software
0.91%
0.0%
Vishal Mega Mart Limited
Retailing
0.89%
0.0%
Max Financial Services Limited
Insurance
0.88%
0.0%
Sagility Limited
IT - Services
0.86%
0.0%
NHPC Limited
Power
0.85%
0.0%
Karur Vysya Bank Limited
Banks
0.84%
0.0%
Maruti Suzuki India Limited
Automobiles
0.80%
0.0%
Hindalco Industries Limited
Non - Ferrous Metals
0.73%
0.0%
National Securities Depository Limited
Capital Markets
0.62%
0.0%
6.01% Government of India (21/07/2030) · Government security
Sovereign
0.50%
7.09% Government of India (05/08/2054) · Government security
Sovereign
0.48%
The India Cements Limited
Cement & Cement Products
0.39%
0.0%
Baroda BNP Paribas Retirement Fund Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
Navin Fluorine International Limited
↓Reduced
−9.5%
1.70%
GE Vernova T&D India Limited
↓Reduced
−16.7%
1.09%
Symbiotec Pharmalab Limited
↓Sold out
−100%
was 0.01%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Baroda BNP Paribas Retirement Fund Overview
Fund facts from the scheme summary document
Expense ratio (Direct)
1.16%
Expense ratio (Regular)
2.55%
Category
Not available
Risk
Not available
Benchmark
Not available
Launch date
Not available
Minimum investment
Not available
Minimum additional investment
Not available
AUM
₹387.15 Cr (30-09-2026)
Lock in
Not available
Scheme code (Direct)
152628
ISIN (Direct)
INF251K01TJ0
Scheme code (Regular)
152625
ISIN (Regular)
INF251K01TH4
NAV history
From 31-05-2024, 2.4 years
Exit load
Not available
Tax on Baroda BNP Paribas Retirement Fund returns
How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹11.5212
30-10-2026
direct
IDCW
₹11.5212
30-10-2026
regular
Growth
₹11.0741
30-10-2026
regular
IDCW
₹11.0741
30-10-2026
About Baroda BNP Paribas Retirement Fund
Baroda BNP Paribas Retirement Fund is a mutual fund from Baroda BNP Paribas Mutual Fund. At the end of September 2026 it held 58 securities.
Frequently Asked Questions for Baroda BNP Paribas Retirement Fund
What is the current NAV of Baroda BNP Paribas Retirement Fund?
The Direct plan NAV is ₹11.5212. The Regular plan NAV is ₹11.0741, as on 30-10-2026.
What are the returns of Baroda BNP Paribas Retirement Fund?
The Direct plan returned −2.06% in 1 year. The Regular plan returned −3.43% in 1 year. These figures are as on 30-10-2026.
What is the expense ratio of Baroda BNP Paribas Retirement Fund?
The Direct plan charges 1.16% a year. The Regular plan charges 2.55% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.
What is the AUM of Baroda BNP Paribas Retirement Fund?
Baroda BNP Paribas Retirement Fund managed ₹387.15 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Baroda BNP Paribas Retirement Fund?
At the end of September 2026 the largest holdings were 6.9% Government of India (15/04/2065) (18.30%), 7.34% Government of India (22/04/2064) (3.98%), ICICIBANK (2.73%), LT (2.67%), DIVISLAB (2.64%). The fund held 58 securities in all.
What did Baroda BNP Paribas Retirement Fund buy and sell in September 2026?
It sold out of 1: Symbiotec Pharmalab Limited. It reduced 2.
How do I invest in Baroda BNP Paribas Retirement Fund?
Through Baroda BNP Paribas Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. You can invest once or through a monthly SIP.
What is the difference between the Direct and Regular plan of Baroda BNP Paribas Retirement Fund?
Both plans hold the same investments. The Regular plan pays a commission to the distributor who sold it, so it charges more. The Direct plan charges 1.16% a year and the Regular plan 2.55%. The lower charge is why the Direct plan's NAV is higher.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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