Baroda BNP Paribas India Consumption Fund vs Union Consumption Fund
Direct Plan, Growth option · Data as on 30-10-2026
Baroda BNP Paribas India Consumption Fund is a Thematic fund and Union Consumption Fund is a Thematic fund. Baroda BNP Paribas India Consumption Fund charges 0.96% a year and Union Consumption Fund 1.37% (Direct plans). Their portfolios overlap 51.7%: they hold 21 of the same securities.
Baroda BNP Paribas India Consumption Fund
Thematic
- Expense ratio
- 0.96%
- NAV
- ₹32.87
Which is better, Baroda BNP Paribas India Consumption or Union Consumption? 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 India Consumption costs less: 0.96% a year against 1.37% (Direct plans).
- Baroda BNP Paribas India Consumption fell less in its worst fall since 26-12-2025: −15.4% against −16.8%.
- Baroda BNP Paribas India Consumption holds more in large companies: 72.4% of the fund in large caps against 50.1%.
- Baroda BNP Paribas India Consumption is the larger fund: ₹1,354 Cr against ₹314 Cr.
- Their portfolios overlap 51.7%: 21 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 India Consumption Fund | Union Consumption Fund |
|---|---|---|
| Fund house | Baroda BNP Paribas Mutual Fund | Union Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹1,354 Cr (30-09-2026) | ₹314 Cr (30-09-2026) |
| NAV | ₹32.87 (Direct) | ₹9.56 (Direct) |
| Expense ratio (Direct) | 0.96% | 1.37% |
| Expense ratio (Regular) | 2.37% | 2.69% |
| Riskometer | Not available | Very High |
| Benchmark | Not available | Nifty India Consumption TRI |
| Launch date | Not available | 22-12-2025 |
| Minimum investment | Not available | ₹1,000 |
| Lock in | Not available | None |
| Fund managers | Not available | Vinod Malviya, Sanjay Bembalkar |
| Exit load | Not available | Exit load of 1%, if redeemed within 1 Year. |
Baroda BNP Paribas India Consumption vs Union Consumption: 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 India Consumption Fund (Direct) | +0.43% | −5.55% | −0.70% | −8.93% | +9.52% | -- | -- |
| Union Consumption Fund (Direct) | +0.42% | −2.65% | +4.14% | -- | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Baroda BNP Paribas India Consumption vs Union Consumption: Year-wise Returns
| Year | Baroda BNP Paribas IndiaBaroda BNP Paribas India Consumption | UnionUnion Consumption | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −8.33% | −4.69% | −9.10% |
| 2025 | +2.28% | -- | +9.22% |
| 2024 | +24.29% | -- | +19.77% |
| 2023 | +30.87% | -- | +27.96% |
Baroda BNP Paribas India Consumption vs Union Consumption: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of both
Baroda BNP Paribas India Consumption vs Union Consumption: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Baroda BNP Paribas India Consumption Fund (Direct) | Union Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.27% | −5.20% |
| Standard deviation | 12.34% | 15.32% |
| Sharpe ratio | 0.51 | -0.68 |
| Sortino ratio | 0.72 | -0.91 |
| Maximum drawdown | −21.4% (23-03-2026) | −16.8% (30-03-2026) |
| Beta | 0.88 | 0.91 |
| Alpha | +0.25% | +3.54% |
From daily NAVs, 14-03-2022 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 India Consumption Fund (Direct)
Union Consumption Fund (Direct)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Baroda BNP Paribas India Consumption Fund (Direct) | −15.4% | 05-01-2026 | 23-03-2026 | Not yet | -- | −8.3% |
| Union Consumption Fund (Direct) | −16.8% | 05-01-2026 | 30-03-2026 | 14-08-2026 | 5 months | −5.6% |
| Nifty India Consumption TRI | −15.8% | 31-12-2025 | 30-03-2026 | 03-08-2026 | 4 months | −9.5% |
From daily values since 26-12-2025, the first day every fund has.
Baroda BNP Paribas India Consumption vs Union Consumption: Portfolio Overlap
From each fund's latest monthly portfolio: Baroda BNP Paribas India Consumption Fund, September 2026; Union Consumption Fund, September 2026
Holdings in common
- Overlap
- 51.7%
- Held by both
- 21
- Only in Baroda BNP Paribas India Consumption
- 17
- Only in Union Consumption
- 27
| Security | % of Baroda BNP Paribas India Consumption | % of Union Consumption |
|---|---|---|
| Bharti Airtel Limited | 7.14% | 7.05% |
| Eternal Limited | 5.67% | 7.22% |
| Mahindra & Mahindra Limited | 6.54% | 5.27% |
| Maruti Suzuki India Limited | 5.86% | 4.78% |
| Titan Company Limited | 7.79% | 3.63% |
| Trent Limited | 2.84% | 3.65% |
| Radico Khaitan Limited | 2.74% | 3.30% |
| Marico Limited | 2.81% | 2.51% |
| FSN E-Commerce Ventures Limited | 2.36% | 2.85% |
| Tata Consumer Products Limited | 2.10% | 2.34% |
| The Phoenix Mills Limited | 3.43% | 2.04% |
| Hindustan Unilever Limited | 2.41% | 1.95% |
| TVS Motor Company Limited | 5.00% | 1.65% |
| Lenskart Solutions Limited | 2.78% | 1.59% |
| ITC Limited | 2.76% | 1.42% |
| InterGlobe Aviation Limited | 2.76% | 1.21% |
| Zydus Wellness Limited | 1.04% | 2.83% |
| Varun Beverages Limited | 0.96% | 3.79% |
| Dixon Technologies (India) Limited | 0.73% | 0.42% |
| Nestle India Limited | 3.07% | 0.37% |
| Arvind Fashions Limited | 0.08% | 1.63% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 51.7% means 51.7% 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 India Consumption Fund
| Security | % of fund |
|---|---|
| Eicher Motors Limited | 5.28% |
| Bajaj Auto Limited | 2.81% |
| Apollo Hospitals Enterprise Limited | 2.41% |
| Asian Paints Limited | 2.31% |
| Leela Palaces Hotels & Resorts Limited | 2.12% |
Largest holdings only in Union Consumption Fund
| Security | % of fund |
|---|---|
| LG Electronics India Ltd. | 2.94% |
| Ather Energy Ltd. | 2.70% |
| Honasa Consumer Ltd. | 2.67% |
| One 97 Communications Ltd. | 2.60% |
| ICICI Bank Ltd. | 2.37% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Baroda BNP Paribas India Consumption | Union Consumption |
|---|---|---|
| Equity | 97.2% | 98.7% |
| Debt | 0.0% | 0.1% |
| Cash and others | 2.8% | 1.2% |
Market cap of stocks
| Market cap | Baroda BNP Paribas India Consumption | Union Consumption |
|---|---|---|
| Large Cap | 72.4% | 50.1% |
| Mid Cap | 17.9% | 25.4% |
| Small Cap | 5.8% | 20.4% |
| Not on AMFI's list | 1.2% | 2.8% |
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 India Consumption | Union Consumption |
|---|---|---|
| Automobiles | 26.3% | 15.2% |
| Retailing | 14.7% | 19.9% |
| Consumer Durables | 12.5% | 13.0% |
| Telecom - Services | 8.3% | 7.0% |
| Beverages | 3.7% | 7.1% |
| Food Products | 6.0% | 4.0% |
| Diversified FMCG | 5.2% | 3.4% |
| Agricultural Food & other Products | 4.9% | 4.8% |
The six largest sectors of each fund's stocks, % of the fund.
Baroda BNP Paribas India Consumption vs Union Consumption: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Baroda BNP Paribas India Consumption Fund | Union Consumption Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.96% | 1.37% |
| Base expense ratio (Direct) | 0.61% | 0.94% |
| Total expense ratio (Regular) | 2.37% | 2.69% |
| Base expense ratio (Regular) | 1.82% | 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.
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Baroda BNP Paribas India Consumption Fund vs Union Consumption Fund: Frequently Asked Questions
What is the difference between Baroda BNP Paribas India Consumption Fund and Union Consumption Fund?
Baroda BNP Paribas India Consumption Fund is a Thematic fund, Union Consumption Fund is a Thematic fund, run by Baroda BNP Paribas Mutual Fund and Union Mutual Fund. Their portfolios overlap 51.7%. Baroda BNP Paribas India Consumption Fund charges 0.96% a year and Union Consumption Fund 1.37%.
Which has the lower expense ratio, Baroda BNP Paribas India Consumption Fund or Union Consumption Fund?
Baroda BNP Paribas India Consumption Fund charges less: 0.96% a year against 1.37%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Baroda BNP Paribas India Consumption Fund and Union Consumption Fund overlap?
51.7%. They hold 21 of the same securities, the largest shared ones being BHARTIARTL, ETERNAL, M&M. From each fund's latest monthly portfolio.
Can I invest in both Baroda BNP Paribas India Consumption Fund and Union Consumption Fund?
Yes. 51.7% 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.