Baroda BNP Paribas Balanced Advantage Fund vs Baroda BNP Paribas Retirement 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 Retirement Fund is a mutual fund. In the year to 30-10-2026, Baroda BNP Paribas Balanced Advantage Fund (Direct) returned −0.6% and Baroda BNP Paribas Retirement Fund (Direct) returned −2.1%. Baroda BNP Paribas Balanced Advantage Fund charges 0.92% a year and Baroda BNP Paribas Retirement Fund 1.16% (Direct plans). Their portfolios overlap 44.1%: they hold 36 of the same securities.
Baroda BNP Paribas Balanced Advantage Fund
Balanced Advantage
- 1 year return
- −0.6%
- Expense ratio
- 0.92%
- NAV
- ₹27.28
Baroda BNP Paribas Retirement Fund
- 1 year return
- −2.1%
- Expense ratio
- 1.16%
- NAV
- ₹11.52
Which is better, Baroda BNP Paribas Balanced Advantage or Baroda BNP Paribas Retirement? 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 Balanced Advantage returned more over 1 year: −0.6% against −2.1%.
- Baroda BNP Paribas Balanced Advantage costs less: 0.92% a year against 1.16% (Direct plans).
- Baroda BNP Paribas Balanced Advantage fell less in its worst fall since 31-05-2024: −11.5% against −12.4%.
- Baroda BNP Paribas Balanced Advantage holds more in large companies: 54.2% of the fund in large caps against 41.5%.
- Baroda BNP Paribas Balanced Advantage is the larger fund: ₹5,162 Cr against ₹387 Cr.
- Their portfolios overlap 44.1%: 36 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 Retirement Fund |
|---|---|---|
| Fund house | Baroda BNP Paribas Mutual Fund | Baroda BNP Paribas Mutual Fund |
| Category | Balanced Advantage | Not available |
| AUM | ₹5,162 Cr (30-09-2026) | ₹387 Cr (30-09-2026) |
| NAV | ₹27.28 (Direct) | ₹11.52 (Direct) |
| Expense ratio (Direct) | 0.92% | 1.16% |
| Expense ratio (Regular) | 2.04% | 2.55% |
| 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 Retirement: 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 Retirement Fund (Direct) | −1.21% | −3.75% | −0.14% | −2.06% | -- | -- | -- |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | +8.35% | -- |
Category average: the average of the 38 Balanced Advantage funds, same plan type.
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas Retirement: Year-wise Returns
| Year | Balanced AdvantageBaroda BNP Paribas Balanced Advantage | RetirementBaroda BNP Paribas Retirement |
|---|---|---|
| 2026to date | −1.91% | −3.05% |
| 2025 | +9.06% | +7.59% |
| 2024 | +16.32% | -- |
| 2023 | +22.50% | -- |
| 2022 | +4.04% | -- |
| 2021 | +18.21% | -- |
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas Retirement: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 349 of them, one for each trading day from 02-06-2025 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 Retirement Fund (Direct)
to
Jul 2025Oct 2024
to
Oct 2025Jan 2025
to
Jan 2026Apr 2025
to
Apr 2026Jun 2025
to
Jun 2026Sept 2025
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Baroda BNP Paribas Balanced Advantage | 1.7 | 22.6 | 54.2 | 17.2 | 4.3 | 0.0 | 0.0 | 7.6% | 8.0% | −2.2% | 17.9% |
| Baroda BNP Paribas Retirement | 2.9 | 35.5 | 48.4 | 12.3 | 0.9 | 0.0 | 0.0 | 6.2% | 6.3% | −3.5% | 15.7% |
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. Every fund is measured over the days all of them have, from 31-05-2024. Past returns do not promise future returns.
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas Retirement: 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 02-05-2024 to 30-10-2026: 30 instalments, ₹3,00,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Baroda BNP Paribas Balanced AdvantageBaroda BNP Paribas Balanced Advantage Fund (Direct) | ₹3,00,000 | ₹3,12,900 | ₹12,900 | 3.3% |
| Baroda BNP Paribas RetirementBaroda BNP Paribas Retirement Fund (Direct) | ₹3,00,000 | ₹3,09,683 | ₹9,683 | 2.5% |
Baroda BNP Paribas Balanced AdvantageBaroda BNP Paribas Balanced Advantage Fund (Direct)
Baroda BNP Paribas RetirementBaroda BNP Paribas Retirement 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 Retirement: 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 Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | −0.62% | −2.06% |
| Standard deviation | 11.52% | 11.27% |
| Sharpe ratio | -0.51 | -0.65 |
| Sortino ratio | -0.68 | -0.86 |
| Maximum drawdown | −9.7% (30-03-2026) | −11.0% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.42% | +6.06% |
| Standard deviation | 10.80% | 11.18% |
| Sharpe ratio | 0.76 | 0.02 |
| Sortino ratio | 1.03 | 0.03 |
| Maximum drawdown | −20.7% (23-03-2020) | −12.4% (28-02-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Retirement Fund (Direct)
| 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 Retirement Fund (Direct) | −12.4% | 26-09-2024 | 28-02-2025 | 25-06-2025 | 4 months | −6.2% |
From daily values since 31-05-2024, 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 Retirement Fund (Direct)
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas Retirement: Portfolio Overlap
From each fund's latest monthly portfolio: Baroda BNP Paribas Balanced Advantage Fund, September 2026; Baroda BNP Paribas Retirement Fund, September 2026
Holdings in common
- Overlap
- 44.1%
- Held by both
- 36
- Only in Baroda BNP Paribas Balanced Advantage
- 71
- Only in Baroda BNP Paribas Retirement
- 22
| Security | % of Baroda BNP Paribas Balanced Advantage | % of Baroda BNP Paribas Retirement |
|---|---|---|
| Larsen & Toubro Limited | 2.62% | 2.67% |
| HDFC Bank Limited | 3.09% | 2.20% |
| ICICI Bank Limited | 1.96% | 2.73% |
| Bharat Heavy Electricals Limited | 2.17% | 1.95% |
| Bharti Airtel Limited | 2.30% | 1.88% |
| Multi Commodity Exchange of India Limited | 2.19% | 1.83% |
| Radico Khaitan Limited | 1.83% | 1.77% |
| Titan Company Limited | 1.60% | 2.01% |
| Reliance Industries Limited | 2.90% | 1.53% |
| Mahindra & Mahindra Limited | 1.86% | 1.52% |
| State Bank of India | 1.51% | 2.23% |
| Hitachi Energy India Limited | 1.44% | 1.58% |
| One 97 Communications Limited | 1.99% | 1.43% |
| Bharat Electronics Limited | 1.62% | 1.35% |
| Hindustan Petroleum Corporation Limited | 1.32% | 1.36% |
| Kotak Mahindra Bank Limited | 1.63% | 1.29% |
| Navin Fluorine International Limited | 1.29% | 1.70% |
| Cummins India Limited | 1.38% | 1.23% |
| Axis Bank Limited | 1.20% | 1.82% |
| GE Vernova T&D India Limited | 1.10% | 1.09% |
| 6.75% Piramal Finance Limited (26/09/2031) | 1.13% | 1.06% |
| Tech Mahindra Limited | 1.06% | 1.42% |
| Persistent Systems Limited | 1.01% | 1.12% |
| UltraTech Cement Limited | 1.24% | 0.99% |
| The Federal Bank Limited | 1.66% | 0.98% |
| Pidilite Industries Limited | 0.97% | 0.95% |
| Infosys Limited | 1.21% | 0.91% |
| NHPC Limited | 0.93% | 0.85% |
| Karur Vysya Bank Limited | 1.50% | 0.84% |
| Maruti Suzuki India Limited | 1.04% | 0.80% |
| Tata Motors Ltd | 0.74% | 1.08% |
| Sagility Limited | 0.67% | 0.86% |
| 6.01% Government of India (21/07/2030) | 0.47% | 0.50% |
| 7.09% Government of India (05/08/2054) | 0.45% | 0.48% |
| 7.34% Government of India (22/04/2064) | 0.22% | 3.98% |
| National Securities Depository Limited | 0.07% | 0.62% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 44.1% means 44.1% 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 |
|---|---|
| Eicher Motors Limited | 1.99% |
| IndusInd Bank Limited | 1.89% |
| JSW Steel Limited | 1.86% |
| Sun Pharmaceutical Industries Limited | 1.76% |
| Samvardhana Motherson International Limited | 1.71% |
Largest holdings only in Baroda BNP Paribas Retirement Fund
| Security | % of fund |
|---|---|
| 6.9% Government of India (15/04/2065) | 18.30% |
| Divi's Laboratories Limited | 2.64% |
| PNB Housing Finance Limited | 1.45% |
| TVS Motor Company Limited | 1.45% |
| Britannia Industries Limited | 1.42% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Baroda BNP Paribas Balanced Advantage | Baroda BNP Paribas Retirement |
|---|---|---|
| Equity | 80.1% | 70.2% |
| Debt | 9.2% | 25.6% |
| Cash and others | 10.7% | 4.2% |
Market cap of stocks
| Market cap | Baroda BNP Paribas Balanced Advantage | Baroda BNP Paribas Retirement |
|---|---|---|
| Large Cap | 54.2% | 41.5% |
| Mid Cap | 19.1% | 18.1% |
| Small Cap | 5.8% | 10.6% |
| Not on AMFI's list | 1.0% | 0.0% |
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 Retirement |
|---|---|---|
| Banks | 15.2% | 15.8% |
| Automobiles | 4.9% | 4.7% |
| Capital Markets | 4.7% | 3.8% |
| Electrical Equipment | 4.7% | 4.6% |
| Petroleum Products | 4.2% | 2.9% |
| IT - Software | 4.0% | 3.5% |
| Pharmaceuticals & Biotechnology | 3.9% | 3.9% |
| Chemicals & Petrochemicals | 3.4% | 3.6% |
The six largest sectors of each fund's stocks, % of the fund.
Baroda BNP Paribas Balanced Advantage vs Baroda BNP Paribas Retirement: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Baroda BNP Paribas Balanced Advantage Fund | Baroda BNP Paribas Retirement Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.92% | 1.16% |
| Base expense ratio (Direct) | 0.63% | 0.90% |
| Total expense ratio (Regular) | 2.04% | 2.55% |
| Base expense ratio (Regular) | 1.59% | 2.10% |
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
Baroda BNP Paribas Balanced Advantage Fund vs Baroda BNP Paribas Retirement Fund: Frequently Asked Questions
What is the difference between Baroda BNP Paribas Balanced Advantage Fund and Baroda BNP Paribas Retirement Fund?
Baroda BNP Paribas Balanced Advantage Fund is a Balanced Advantage fund, Baroda BNP Paribas Retirement Fund is a mutual fund, run by Baroda BNP Paribas Mutual Fund. Their portfolios overlap 44.1%. Baroda BNP Paribas Balanced Advantage Fund charges 0.92% a year and Baroda BNP Paribas Retirement Fund 1.16%.
Which has given higher returns, Baroda BNP Paribas Balanced Advantage Fund or Baroda BNP Paribas Retirement Fund?
Over 1 year: Baroda BNP Paribas Balanced Advantage Fund −0.62%, Baroda BNP Paribas Retirement Fund −2.06%. 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 Retirement Fund?
Baroda BNP Paribas Balanced Advantage Fund charges less: 0.92% a year against 1.16%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Baroda BNP Paribas Balanced Advantage Fund and Baroda BNP Paribas Retirement Fund overlap?
44.1%. They hold 36 of the same securities, the largest shared ones being LT, HDFCBANK, ICICIBANK. From each fund's latest monthly portfolio.
Can I invest in both Baroda BNP Paribas Balanced Advantage Fund and Baroda BNP Paribas Retirement Fund?
Yes. 44.1% 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.