Baroda BNP Paribas Children's Fund vs Baroda BNP Paribas Retirement Fund
Direct Plan, Growth option · Data as on 30-10-2026
Baroda BNP Paribas Children's Fund is a mutual fund and Baroda BNP Paribas Retirement Fund is a mutual fund. In the year to 30-10-2026, Baroda BNP Paribas Children's Fund (Direct) returned −3.1% and Baroda BNP Paribas Retirement Fund (Direct) returned −2.1%. Baroda BNP Paribas Children's Fund charges 1.29% a year and Baroda BNP Paribas Retirement Fund 1.16% (Direct plans). Their portfolios overlap 61.4%: they hold 48 of the same securities.
Baroda BNP Paribas Children's Fund
- 1 year return
- −3.1%
- Expense ratio
- 1.29%
- NAV
- ₹10.89
Baroda BNP Paribas Retirement Fund
- 1 year return
- −2.1%
- Expense ratio
- 1.16%
- NAV
- ₹11.52
Which is better, Baroda BNP Paribas Children's 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 Retirement returned more over 1 year: −2.1% against −3.1%.
- Baroda BNP Paribas Retirement costs less: 1.16% a year against 1.29% (Direct plans).
- Baroda BNP Paribas Retirement fell less in its worst fall since 31-12-2024: −11.0% against −12.6%.
- Baroda BNP Paribas Children's holds more in large companies: 53.3% of the fund in large caps against 41.5%.
- Baroda BNP Paribas Retirement is the larger fund: ₹387 Cr against ₹123 Cr.
- Their portfolios overlap 61.4%: 48 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 Children's Fund | Baroda BNP Paribas Retirement Fund |
|---|---|---|
| Fund house | Baroda BNP Paribas Mutual Fund | Baroda BNP Paribas Mutual Fund |
| Category | Not available | Not available |
| AUM | ₹123 Cr (30-09-2026) | ₹387 Cr (30-09-2026) |
| NAV | ₹10.89 (Direct) | ₹11.52 (Direct) |
| Expense ratio (Direct) | 1.29% | 1.16% |
| Expense ratio (Regular) | 2.65% | 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 Children's 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 Children's Fund (Direct) | −1.19% | −5.19% | −1.51% | −3.15% | -- | -- | -- |
| Baroda BNP Paribas Retirement Fund (Direct) | −1.21% | −3.75% | −0.14% | −2.06% | -- | -- | -- |
Baroda BNP Paribas Children's vs Baroda BNP Paribas Retirement: Year-wise Returns
| Year | Children'sBaroda BNP Paribas Children's | RetirementBaroda BNP Paribas Retirement |
|---|---|---|
| 2026to date | −4.71% | −3.05% |
| 2025 | +13.89% | +7.59% |
Baroda BNP Paribas Children's vs Baroda BNP Paribas Retirement: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of Baroda BNP Paribas Children's Fund
Rolling returns
Every 1-year holding period, 204 of them, one for each trading day from 31-12-2025 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 Children's Fund (Direct)
Baroda BNP Paribas Retirement Fund (Direct)
Nifty 500 TRI
to
Jan 2026Mar 2025
to
Mar 2026May 2025
to
May 2026Jun 2025
to
Jun 2026Aug 2025
to
Aug 2026Oct 2025
to
Oct 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 Children's | 4.4 | 16.2 | 36.3 | 25.5 | 13.7 | 3.9 | 0.0 | 9.4% | 8.6% | −5.1% | 22.2% | 100% |
| Baroda BNP Paribas Retirement | 3.9 | 39.2 | 41.2 | 14.7 | 1.0 | 0.0 | 0.0 | 6.2% | 5.9% | −3.5% | 15.7% | 86% |
| Nifty 500 TRI | 28.9 | 32.4 | 26.0 | 9.8 | 2.9 | 0.0 | 0.0 | 3.4% | 2.6% | −9.0% | 15.9% | -- |
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 31-12-2024. Past returns do not promise future returns.
Baroda BNP Paribas Children's 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 31-12-2024 to 30-10-2026: 23 instalments, ₹2,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Baroda BNP Paribas Children'sBaroda BNP Paribas Children's Fund (Direct) | ₹2,30,000 | ₹2,35,216 | ₹5,216 | 2.3% |
| Baroda BNP Paribas RetirementBaroda BNP Paribas Retirement Fund (Direct) | ₹2,30,000 | ₹2,34,046 | ₹4,046 | 1.8% |
Baroda BNP Paribas Children'sBaroda BNP Paribas Children's 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 Children's 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 Children's Fund (Direct) | Baroda BNP Paribas Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | −3.15% | −2.06% |
| Standard deviation | 13.57% | 11.27% |
| Sharpe ratio | -0.62 | -0.65 |
| Sortino ratio | -0.83 | -0.86 |
| Maximum drawdown | −12.6% (23-03-2026) | −11.0% (30-03-2026) |
| Beta | 0.92 | -- |
| Alpha | +3.18% | -- |
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 Children's Fund (Direct) | Baroda BNP Paribas Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | +4.58% | +6.06% |
| Standard deviation | 13.14% | 11.18% |
| Sharpe ratio | -0.07 | 0.02 |
| Sortino ratio | -0.10 | 0.03 |
| Maximum drawdown | −12.6% (23-03-2026) | −12.4% (28-02-2025) |
| Beta | 0.90 | -- |
| Alpha | +4.17% | -- |
From daily NAVs, 31-12-2024 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. 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 Children's Fund (Direct)
Baroda BNP Paribas Retirement 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 Children's Fund (Direct) | −12.6% | 02-01-2026 | 23-03-2026 | 31-07-2026 | 4 months | −7.5% |
| Baroda BNP Paribas Retirement Fund (Direct) | −11.0% | 02-01-2026 | 30-03-2026 | 10-07-2026 | 3 months | −6.2% |
| Nifty 500 TRI | −14.7% | 02-01-2026 | 30-03-2026 | Not yet | -- | −8.4% |
From daily values since 31-12-2024, 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 Children's Fund (Direct)
Baroda BNP Paribas Retirement Fund (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Baroda BNP Paribas Children's Fund (Direct) | 106% | 84% | 2.75% |
| Baroda BNP Paribas Retirement Fund (Direct) | 89% | 79% | 4.09% |
From month-end values since 31-12-2024. 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 Children's vs Baroda BNP Paribas Retirement: Portfolio Overlap
From each fund's latest monthly portfolio: Baroda BNP Paribas Children's Fund, September 2026; Baroda BNP Paribas Retirement Fund, September 2026
Holdings in common
- Overlap
- 61.4%
- Held by both
- 48
- Only in Baroda BNP Paribas Children's
- 14
- Only in Baroda BNP Paribas Retirement
- 10
| Security | % of Baroda BNP Paribas Children's | % of Baroda BNP Paribas Retirement |
|---|---|---|
| Larsen & Toubro Limited | 2.36% | 2.67% |
| Divi's Laboratories Limited | 2.26% | 2.64% |
| State Bank of India | 2.72% | 2.23% |
| ICICI Bank Limited | 2.14% | 2.73% |
| Titan Company Limited | 2.60% | 2.01% |
| Bharat Heavy Electricals Limited | 2.13% | 1.95% |
| Bharti Airtel Limited | 2.14% | 1.88% |
| Multi Commodity Exchange of India Limited | 2.27% | 1.83% |
| Axis Bank Limited | 1.99% | 1.82% |
| Navin Fluorine International Limited | 2.61% | 1.70% |
| Reliance Industries Limited | 2.89% | 1.53% |
| Mahindra & Mahindra Limited | 1.91% | 1.52% |
| Hitachi Energy India Limited | 1.49% | 1.58% |
| One 97 Communications Limited | 1.50% | 1.43% |
| Tech Mahindra Limited | 1.57% | 1.42% |
| Britannia Industries Limited | 1.55% | 1.42% |
| Radico Khaitan Limited | 1.42% | 1.77% |
| Nippon Life India Asset Management Limited | 1.39% | 1.38% |
| Hindustan Petroleum Corporation Limited | 1.99% | 1.36% |
| Travel Food Services Limited | 1.36% | 1.37% |
| Bharat Electronics Limited | 1.81% | 1.35% |
| Kotak Mahindra Bank Limited | 1.52% | 1.29% |
| Mankind Pharma Limited | 1.52% | 1.29% |
| Ujjivan Small Finance Bank Limited | 1.68% | 1.27% |
| Cummins India Limited | 1.54% | 1.23% |
| TVS Motor Company Limited | 1.22% | 1.45% |
| Persistent Systems Limited | 1.28% | 1.12% |
| SBI Life Insurance Company Limited | 1.86% | 1.10% |
| Tata Motors Ltd | 1.37% | 1.08% |
| Cholamandalam Investment and Finance Company Ltd | 1.31% | 1.00% |
| Bajaj Finance Limited | 2.22% | 0.99% |
| The Federal Bank Limited | 2.06% | 0.98% |
| Pidilite Industries Limited | 1.19% | 0.95% |
| Linde India Limited | 1.54% | 0.91% |
| Vishal Mega Mart Limited | 1.05% | 0.89% |
| UltraTech Cement Limited | 0.89% | 0.99% |
| Max Financial Services Limited | 1.54% | 0.88% |
| Sagility Limited | 1.01% | 0.86% |
| NHPC Limited | 1.33% | 0.85% |
| Karur Vysya Bank Limited | 2.31% | 0.84% |
| Fortis Healthcare Limited | 0.81% | 1.09% |
| Infosys Limited | 0.81% | 0.91% |
| Maruti Suzuki India Limited | 1.46% | 0.80% |
| AU Small Finance Bank Limited | 0.78% | 1.25% |
| Ola Electric Mobility Ltd | 0.76% | 0.91% |
| Hindalco Industries Limited | 0.76% | 0.73% |
| National Securities Depository Limited | 0.86% | 0.62% |
| HDFC Bank Limited | 0.57% | 2.20% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 61.4% means 61.4% 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 Children's Fund
| Security | % of fund |
|---|---|
| NTPC Limited | 1.96% |
| Polycab India Limited | 1.95% |
| Lupin Limited | 1.81% |
| 7.18% Government of India (14/08/2033) | 1.63% |
| Hero MotoCorp Limited | 1.57% |
Largest holdings only in Baroda BNP Paribas Retirement Fund
| Security | % of fund |
|---|---|
| 6.9% Government of India (15/04/2065) | 18.30% |
| 7.34% Government of India (22/04/2064) | 3.98% |
| PNB Housing Finance Limited | 1.45% |
| 7.90% Jamnagar Utilities & Power Private Limited (10/08/2028) | 1.29% |
| City Union Bank Limited | 1.17% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Baroda BNP Paribas Children's | Baroda BNP Paribas Retirement |
|---|---|---|
| Equity | 93.4% | 70.2% |
| Debt | 1.6% | 25.6% |
| Cash and others | 5.0% | 4.2% |
Market cap of stocks
| Market cap | Baroda BNP Paribas Children's | Baroda BNP Paribas Retirement |
|---|---|---|
| Large Cap | 53.3% | 41.5% |
| Mid Cap | 24.8% | 18.1% |
| Small Cap | 15.2% | 10.6% |
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 Children's | Baroda BNP Paribas Retirement |
|---|---|---|
| Banks | 16.8% | 15.8% |
| Pharmaceuticals & Biotechnology | 8.1% | 3.9% |
| Automobiles | 6.9% | 4.7% |
| Chemicals & Petrochemicals | 5.3% | 3.6% |
| Petroleum Products | 4.9% | 2.9% |
| Electrical Equipment | 3.6% | 4.6% |
| Capital Markets | 4.5% | 3.8% |
The six largest sectors of each fund's stocks, % of the fund.
Baroda BNP Paribas Children's vs Baroda BNP Paribas Retirement: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Baroda BNP Paribas Children's Fund | Baroda BNP Paribas Retirement Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.29% | 1.16% |
| Base expense ratio (Direct) | 0.94% | 0.90% |
| Total expense ratio (Regular) | 2.65% | 2.55% |
| Base expense ratio (Regular) | 2.10% | 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.
Baroda BNP Paribas Children's Fund vs Baroda BNP Paribas Retirement Fund: Frequently Asked Questions
What is the difference between Baroda BNP Paribas Children's Fund and Baroda BNP Paribas Retirement Fund?
Baroda BNP Paribas Children's Fund is a mutual fund, Baroda BNP Paribas Retirement Fund is a mutual fund, run by Baroda BNP Paribas Mutual Fund. Their portfolios overlap 61.4%. Baroda BNP Paribas Children's Fund charges 1.29% a year and Baroda BNP Paribas Retirement Fund 1.16%.
Which has given higher returns, Baroda BNP Paribas Children's Fund or Baroda BNP Paribas Retirement Fund?
Over 1 year: Baroda BNP Paribas Children's Fund −3.15%, 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 Children's Fund or Baroda BNP Paribas Retirement Fund?
Baroda BNP Paribas Retirement Fund charges less: 1.16% a year against 1.29%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Baroda BNP Paribas Children's Fund and Baroda BNP Paribas Retirement Fund overlap?
61.4%. They hold 48 of the same securities, the largest shared ones being LT, DIVISLAB, SBIN. From each fund's latest monthly portfolio.
Can I invest in both Baroda BNP Paribas Children's Fund and Baroda BNP Paribas Retirement Fund?
Yes. 61.4% 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.