Baroda BNP Paribas Balanced Advantage Fund vs Baroda BNP Paribas ELSS Tax Saver Fund
Direct Plan, Growth option · Data as on 30-10-2026
Baroda BNP Paribas Balanced Advantage Fund is a Balanced Advantage fund and Baroda BNP Paribas ELSS Tax Saver Fund is an ELSS fund. In the 3 years to 30-10-2026, Baroda BNP Paribas Balanced Advantage Fund (Direct) returned 11.5% a year and Baroda BNP Paribas ELSS Tax Saver Fund (Direct) returned 13.9% a year. Baroda BNP Paribas Balanced Advantage Fund charges 0.92% a year and Baroda BNP Paribas ELSS Tax Saver Fund 1.27% (Direct plans). Their portfolios overlap 47.6%: they hold 31 of the same securities.
Baroda BNP Paribas Balanced Advantage Fund
Balanced Advantage
- 3 year return
- 11.5%
- Expense ratio
- 0.92%
- NAV
- ₹27.28
Baroda BNP Paribas ELSS Tax Saver Fund
ELSS
- 3 year return
- 13.9%
- Expense ratio
- 1.27%
- NAV
- ₹106.60
Which is better, Baroda BNP Paribas Balanced Advantage or Baroda BNP Paribas ELSS Tax Saver? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Baroda BNP Paribas ELSS Tax Saver returned more over 3 years: 13.9% a year against 11.5%.
- Baroda BNP Paribas Balanced Advantage returned more over 1 year: −0.6% against −4.3%.
- Baroda BNP Paribas Balanced Advantage costs less: 0.92% a year against 1.27% (Direct plans).
- Baroda BNP Paribas Balanced Advantage swung less over 3 years: a standard deviation of 10.5% a year against 14.6%.
- Baroda BNP Paribas Balanced Advantage fell less in its worst fall since 14-03-2022: −11.5% against −17.3%.
- Baroda BNP Paribas Balanced Advantage is the larger fund: ₹5,162 Cr against ₹857 Cr.
- Their portfolios overlap 47.6%: 31 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Baroda BNP Paribas Balanced Advantage Fund | Baroda BNP Paribas ELSS Tax Saver Fund |
|---|---|---|
| Fund house | Baroda BNP Paribas Mutual Fund | Baroda BNP Paribas Mutual Fund |
| Category | Balanced Advantage | ELSS |
| AUM | ₹5,162 Cr (30-09-2026) | ₹857 Cr (30-09-2026) |
| NAV | ₹27.28 (Direct) | ₹106.60 (Direct) |
| Expense ratio (Direct) | 0.92% | 1.27% |
| Expense ratio (Regular) | 2.04% | 2.46% |
| Riskometer | Not available | Not available |
| Benchmark | Not available | Not available |
| Launch date | Not available | Not available |
| Minimum investment | Not available | Not available |
| Lock in | Not available | Not available |
| Fund managers | Not available | Not available |
| Exit load | Not available | Not available |
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas ELSS Tax Saver: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Baroda BNP Paribas Balanced Advantage Fund (Direct) | −1.00% | −4.23% | −0.79% | −0.62% | +11.52% | +9.96% | -- |
| Baroda BNP Paribas ELSS Tax Saver Fund (Direct) | −1.91% | −6.58% | −2.51% | −4.26% | +13.88% | -- | -- |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | +8.35% | -- |
| ELSS average | −2.34% | −5.61% | −1.63% | −5.75% | +10.92% | -- | -- |
Category average: the average of the 38 Balanced Advantage funds and the 50 ELSS funds, same plan type.
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas ELSS Tax Saver: Year-wise Returns
| Year | Balanced AdvantageBaroda BNP Paribas Balanced Advantage | ELSS Tax SaverBaroda BNP Paribas ELSS Tax Saver |
|---|---|---|
| 2026to date | −1.91% | −5.68% |
| 2025 | +9.06% | +6.11% |
| 2024 | +16.32% | +25.08% |
| 2023 | +22.50% | +32.84% |
| 2022 | +4.04% | -- |
| 2021 | +18.21% | -- |
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas ELSS Tax Saver: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of Baroda BNP Paribas ELSS Tax Saver Fund
Rolling returns
Every 3-year holding period, 400 of them, one for each trading day from 17-03-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Baroda BNP Paribas Balanced Advantage Fund (Direct)
Baroda BNP Paribas ELSS Tax Saver Fund (Direct)
Nifty 500 TRI
to
May 2025Aug 2022
to
Aug 2025Nov 2022
to
Nov 2025Mar 2023
to
Mar 2026Jun 2023
to
Jun 2026Sept 2023
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Baroda BNP Paribas Balanced Advantage | 0.0 | 0.0 | 0.0 | 52.5 | 47.5 | 0.0 | 0.0 | 14.9% | 14.9% | 10.5% | 19.9% | 30% |
| Baroda BNP Paribas ELSS Tax Saver | 0.0 | 0.0 | 0.0 | 8.5 | 55.8 | 35.8 | 0.0 | 18.9% | 19.4% | 13.1% | 24.4% | 100% |
| Nifty 500 TRI | 0.0 | 0.0 | 4.8 | 33.3 | 54.8 | 7.2 | 0.0 | 15.4% | 15.6% | 8.8% | 22.3% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty 500 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 14-03-2022. Past returns do not promise future returns.
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas ELSS Tax Saver: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 02-03-2022 to 30-10-2026: 56 instalments, ₹5,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Baroda BNP Paribas Balanced AdvantageBaroda BNP Paribas Balanced Advantage Fund (Direct) | ₹5,60,000 | ₹6,95,449 | ₹1,35,449 | 9.2% |
| Baroda BNP Paribas ELSS Tax SaverBaroda BNP Paribas ELSS Tax Saver Fund (Direct) | ₹5,60,000 | ₹7,11,056 | ₹1,51,056 | 10.2% |
Baroda BNP Paribas Balanced AdvantageBaroda BNP Paribas Balanced Advantage Fund (Direct)
Baroda BNP Paribas ELSS Tax SaverBaroda BNP Paribas ELSS Tax Saver Fund (Direct)
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 Balanced Advantage vs Baroda BNP Paribas ELSS Tax Saver: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Baroda BNP Paribas Balanced Advantage Fund (Direct) | Baroda BNP Paribas ELSS Tax Saver Fund (Direct) |
|---|---|---|
| Return (CAGR) | −0.62% | −4.26% |
| Standard deviation | 11.52% | 14.43% |
| Sharpe ratio | -0.51 | -0.66 |
| Sortino ratio | -0.68 | -0.87 |
| Maximum drawdown | −9.7% (30-03-2026) | −13.2% (31-03-2026) |
| Beta | -- | 0.98 |
| Alpha | -- | +2.79% |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Baroda BNP Paribas Balanced Advantage Fund (Direct) | Baroda BNP Paribas ELSS Tax Saver Fund (Direct) |
|---|---|---|
| Return (CAGR) | +11.52% | +13.88% |
| Standard deviation | 10.54% | 14.64% |
| Sharpe ratio | 0.52 | 0.54 |
| Sortino ratio | 0.70 | 0.72 |
| Maximum drawdown | −11.5% (03-03-2025) | −17.3% (28-02-2025) |
| Beta | -- | 0.99 |
| Alpha | -- | +3.71% |
From daily NAVs, 30-10-2023 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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Baroda BNP Paribas Balanced Advantage Fund (Direct) | Baroda BNP Paribas ELSS Tax Saver Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.42% | +12.67% |
| Standard deviation | 10.80% | 13.79% |
| Sharpe ratio | 0.76 | 0.48 |
| Sortino ratio | 1.03 | 0.66 |
| Maximum drawdown | −20.7% (23-03-2020) | −17.3% (28-02-2025) |
| Beta | -- | 0.97 |
| Alpha | -- | +2.19% |
From daily NAVs, 20-11-2018 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. Beta and alpha compare each fund with its own benchmark's TRI.
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.
Baroda BNP Paribas Balanced Advantage Fund (Direct)
Baroda BNP Paribas ELSS Tax Saver Fund (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Baroda BNP Paribas Balanced Advantage Fund (Direct) | −11.5% | 10-12-2024 | 03-03-2025 | 29-05-2025 | 3 months | −6.4% |
| Baroda BNP Paribas ELSS Tax Saver Fund (Direct) | −17.3% | 23-09-2024 | 28-02-2025 | 27-10-2025 | 8 months | −9.5% |
| Nifty 500 TRI | −18.6% | 26-09-2024 | 28-02-2025 | Not yet | -- | −8.8% |
From daily values since 14-03-2022, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Baroda BNP Paribas Balanced Advantage Fund (Direct)
Baroda BNP Paribas ELSS Tax Saver Fund (Direct)
Nifty 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Baroda BNP Paribas Balanced Advantage Fund (Direct)
Baroda BNP Paribas ELSS Tax Saver Fund (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Baroda BNP Paribas Balanced Advantage Fund (Direct) | 81% | 66% | 5.01% |
| Baroda BNP Paribas ELSS Tax Saver Fund (Direct) | 103% | 92% | 4.24% |
From month-end values since 14-03-2022. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas ELSS Tax Saver: Portfolio Overlap
From each fund's latest monthly portfolio: Baroda BNP Paribas Balanced Advantage Fund, September 2026; Baroda BNP Paribas ELSS Tax Saver Fund, September 2026
Holdings in common
- Overlap
- 47.6%
- Held by both
- 31
- Only in Baroda BNP Paribas Balanced Advantage
- 76
- Only in Baroda BNP Paribas ELSS Tax Saver
- 23
| Security | % of Baroda BNP Paribas Balanced Advantage | % of Baroda BNP Paribas ELSS Tax Saver |
|---|---|---|
| Reliance Industries Limited | 2.90% | 2.95% |
| HDFC Bank Limited | 3.09% | 2.77% |
| Larsen & Toubro Limited | 2.62% | 2.63% |
| Bharti Airtel Limited | 2.30% | 2.46% |
| Bharat Heavy Electricals Limited | 2.17% | 2.81% |
| Eicher Motors Limited | 1.99% | 2.50% |
| One 97 Communications Limited | 1.99% | 2.15% |
| ICICI Bank Limited | 1.96% | 3.86% |
| Mahindra & Mahindra Limited | 1.86% | 2.07% |
| Radico Khaitan Limited | 1.83% | 3.01% |
| Sun Pharmaceutical Industries Limited | 1.76% | 1.84% |
| The Federal Bank Limited | 1.66% | 1.74% |
| Kotak Mahindra Bank Limited | 1.63% | 1.65% |
| Bharat Electronics Limited | 1.62% | 1.66% |
| Titan Company Limited | 1.60% | 2.94% |
| State Bank of India | 1.51% | 3.56% |
| Hitachi Energy India Limited | 1.44% | 2.36% |
| Cummins India Limited | 1.38% | 1.94% |
| Navin Fluorine International Limited | 1.29% | 2.31% |
| Hindustan Petroleum Corporation Limited | 1.32% | 1.28% |
| UltraTech Cement Limited | 1.24% | 1.21% |
| Axis Bank Limited | 1.20% | 1.76% |
| NTPC Limited | 1.13% | 1.88% |
| Tech Mahindra Limited | 1.06% | 2.06% |
| Maruti Suzuki India Limited | 1.04% | 1.54% |
| Infosys Limited | 1.21% | 0.99% |
| Pidilite Industries Limited | 0.97% | 1.71% |
| NHPC Limited | 0.93% | 1.02% |
| Tata Motors Ltd | 0.74% | 1.62% |
| Sagility Limited | 0.67% | 1.75% |
| Amagi Media Labs Limited | 0.05% | 1.50% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 47.6% means 47.6% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Baroda BNP Paribas Balanced Advantage Fund
| Security | % of fund |
|---|---|
| Multi Commodity Exchange of India Limited | 2.19% |
| IndusInd Bank Limited | 1.89% |
| JSW Steel Limited | 1.86% |
| Samvardhana Motherson International Limited | 1.71% |
| Shriram Finance Limited | 1.51% |
Largest holdings only in Baroda BNP Paribas ELSS Tax Saver Fund
| Security | % of fund |
|---|---|
| TVS Motor Company Limited | 2.90% |
| Divi's Laboratories Limited | 2.17% |
| Linde India Limited | 2.08% |
| Nippon Life India Asset Management Limited | 2.00% |
| Ujjivan Small Finance Bank Limited | 1.97% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Baroda BNP Paribas Balanced Advantage | Baroda BNP Paribas ELSS Tax Saver |
|---|---|---|
| Equity | 80.1% | 97.3% |
| Debt | 9.2% | 0.0% |
| Cash and others | 10.7% | 2.7% |
Market cap of stocks
| Market cap | Baroda BNP Paribas Balanced Advantage | Baroda BNP Paribas ELSS Tax Saver |
|---|---|---|
| Large Cap | 54.2% | 62.8% |
| Mid Cap | 19.1% | 23.0% |
| Small Cap | 5.8% | 10.6% |
| Not on AMFI's list | 1.0% | 0.8% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Baroda BNP Paribas Balanced Advantage | Baroda BNP Paribas ELSS Tax Saver |
|---|---|---|
| Banks | 15.2% | 18.4% |
| Automobiles | 4.9% | 9.0% |
| Chemicals & Petrochemicals | 3.4% | 6.1% |
| Pharmaceuticals & Biotechnology | 3.9% | 5.4% |
| Electrical Equipment | 4.7% | 5.2% |
| Capital Markets | 4.7% | 3.0% |
| Finance | 2.0% | 4.4% |
| Petroleum Products | 4.2% | 4.2% |
| IT - Software | 4.0% | 3.0% |
The six largest sectors of each fund's stocks, % of the fund.
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas ELSS Tax Saver: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Baroda BNP Paribas Balanced Advantage Fund | Baroda BNP Paribas ELSS Tax Saver Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.92% | 1.27% |
| Base expense ratio (Direct) | 0.63% | 0.93% |
| Total expense ratio (Regular) | 2.04% | 2.46% |
| Base expense ratio (Regular) | 1.59% | 1.95% |
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, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Baroda BNP Paribas Balanced Advantage with
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- Baroda BNP Paribas ELSS Tax Saver vs HSBC ELSS Tax saver
Baroda BNP Paribas Balanced Advantage Fund vs Baroda BNP Paribas ELSS Tax Saver Fund: Frequently Asked Questions
What is the difference between Baroda BNP Paribas Balanced Advantage Fund and Baroda BNP Paribas ELSS Tax Saver Fund?
Baroda BNP Paribas Balanced Advantage Fund is a Balanced Advantage fund, Baroda BNP Paribas ELSS Tax Saver Fund is an ELSS fund, run by Baroda BNP Paribas Mutual Fund. Their portfolios overlap 47.6%. Baroda BNP Paribas Balanced Advantage Fund charges 0.92% a year and Baroda BNP Paribas ELSS Tax Saver Fund 1.27%.
Which has given higher returns, Baroda BNP Paribas Balanced Advantage Fund or Baroda BNP Paribas ELSS Tax Saver Fund?
Over 1 year: Baroda BNP Paribas Balanced Advantage Fund −0.62%, Baroda BNP Paribas ELSS Tax Saver Fund −4.26%. Over 3 years: Baroda BNP Paribas Balanced Advantage Fund +11.52% a year, Baroda BNP Paribas ELSS Tax Saver Fund +13.88% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Baroda BNP Paribas Balanced Advantage Fund or Baroda BNP Paribas ELSS Tax Saver Fund?
Baroda BNP Paribas Balanced Advantage Fund charges less: 0.92% a year against 1.27%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Baroda BNP Paribas Balanced Advantage Fund and Baroda BNP Paribas ELSS Tax Saver Fund overlap?
47.6%. They hold 31 of the same securities, the largest shared ones being RELIANCE, HDFCBANK, LT. From each fund's latest monthly portfolio.
Which is better for SIP, Baroda BNP Paribas Balanced Advantage Fund or Baroda BNP Paribas ELSS Tax Saver Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹4,02,083 in Baroda BNP Paribas Balanced Advantage Fund (XIRR 5.3% a year) and ₹3,94,026 in Baroda BNP Paribas ELSS Tax Saver Fund (XIRR 4.0% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Baroda BNP Paribas Balanced Advantage Fund and Baroda BNP Paribas ELSS Tax Saver Fund?
Yes. 47.6% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each 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.