Baroda BNP Paribas Ultra Short Term Fund vs Tata Ultra Short to Short Term Fund
Direct Plan, Growth option · Data as on 30-10-2026
Baroda BNP Paribas Ultra Short Term Fund is an Ultra Short fund and Tata Ultra Short to Short Term Fund is a Low Duration fund. In the 3 years to 30-10-2026, Baroda BNP Paribas Ultra Short Term Fund (Direct) returned 7.1% a year and Tata Ultra Short to Short Term Fund (Direct) returned 7.2% a year. Baroda BNP Paribas Ultra Short Term Fund charges 0.29% a year and Tata Ultra Short to Short Term Fund 0.27% (Direct plans). Their portfolios overlap 16.9%: they hold 8 of the same securities.
Baroda BNP Paribas Ultra Short Term Fund
Ultra Short
- 3 year return
- 7.1%
- Expense ratio
- 0.29%
- NAV
- ₹1,697.73
Tata Ultra Short to Short Term Fund
Low Duration
- 3 year return
- 7.2%
- Expense ratio
- 0.27%
- NAV
- ₹4,379.43
Which is better, Baroda BNP Paribas Ultra Short Term or Tata Ultra Short to Short Term? 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 Ultra Short Term returned more over 5 years: 6.7% a year against 6.5%.
- Tata Ultra Short to Short Term returned more over 3 years: 7.2% a year against 7.1%.
- Tata Ultra Short to Short Term costs less: 0.27% a year against 0.29% (Direct plans).
- Baroda BNP Paribas Ultra Short Term swung less over 3 years: a standard deviation of 0.4% a year against 0.5%.
- Baroda BNP Paribas Ultra Short Term fell less in its worst fall since 04-06-2018: −1.0% against −5.1%.
- Tata Ultra Short to Short Term is the larger fund: ₹2,727 Cr against ₹596 Cr.
- Their portfolios overlap 16.9%: 8 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 Ultra Short Term Fund | Tata Ultra Short to Short Term Fund |
|---|---|---|
| Fund house | Baroda BNP Paribas Mutual Fund | Tata Mutual Fund |
| Category | Ultra Short | Low Duration |
| AUM | ₹596 Cr (30-09-2026) | ₹2,727 Cr (30-09-2026) |
| NAV | ₹1,697.73 (Direct) | ₹4,379.43 (Direct) |
| Expense ratio (Direct) | 0.29% | 0.27% |
| Expense ratio (Regular) | 0.44% | 0.57% |
| Riskometer | Not available | Low to Moderate |
| Benchmark | Not available | CRISIL Low Duration Debt A-I Index |
| Launch date | Not available | 06-09-2005 |
| Minimum investment | Not available | ₹5,000 |
| Lock in | Not available | None |
| Fund managers | Not available | Akhil Mittal, Dhawal Josh |
| Exit load | Not available | NIL |
Baroda BNP Paribas Ultra Short Term vs Tata Ultra Short to Short Term: 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 Ultra Short Term Fund (Direct) | +0.31% | +1.46% | +3.25% | +6.38% | +7.14% | +6.68% | -- |
| Tata Ultra Short to Short Term Fund (Direct) | +0.17% | +1.17% | +3.13% | +5.95% | +7.18% | +6.52% | +6.18% |
| Ultra Short average | +0.30% | +1.34% | +3.06% | +6.00% | +6.82% | +6.27% | -- |
| Low Duration average | +0.18% | +1.12% | +2.95% | +5.79% | +7.22% | +6.58% | +6.73% |
Category average: the average of the 26 Ultra Short funds and the 25 Low Duration funds, same plan type.
Baroda BNP Paribas Ultra Short Term vs Tata Ultra Short to Short Term: Year-wise Returns
| Year | Baroda BNP Paribas UltraBaroda BNP Paribas Ultra Short Term | Tata Ultra Short toTata Ultra Short to Short Term |
|---|---|---|
| 2026to date | +5.33% | +4.93% |
| 2025 | +7.20% | +7.53% |
| 2024 | +7.68% | +7.85% |
| 2023 | +7.40% | +7.21% |
| 2022 | +5.06% | +4.38% |
| 2021 | +3.90% | +3.88% |
Baroda BNP Paribas Ultra Short Term vs Tata Ultra Short to Short Term: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 1,311 of them, one for each trading day from 04-06-2021 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 Ultra Short Term Fund (Direct)
Tata Ultra Short to Short Term Fund (Direct)
to
Nov 2021Oct 2019
to
Oct 2022Sept 2020
to
Sept 2023Aug 2021
to
Aug 2024Jul 2022
to
Jul 2025May 2023
to
May 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 Ultra Short Term | 0.0 | 21.8 | 78.2 | 0.0 | 0.0 | 0.0 | 0.0 | 6.1% | 6.1% | 4.7% | 7.5% |
| Tata Ultra Short to Short Term | 0.0 | 13.3 | 86.7 | 0.0 | 0.0 | 0.0 | 0.0 | 6.0% | 5.6% | 3.8% | 7.6% |
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 04-06-2018. Past returns do not promise future returns.
Baroda BNP Paribas Ultra Short Term vs Tata Ultra Short to Short Term: 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 04-06-2018 to 30-10-2026: 101 instalments, ₹10,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Baroda BNP Paribas Ultra Short TermBaroda BNP Paribas Ultra Short Term Fund (Direct) | ₹10,10,000 | ₹13,34,700 | ₹3,24,700 | 6.5% |
| Tata Ultra Short to Short TermTata Ultra Short to Short Term Fund (Direct) | ₹10,10,000 | ₹13,26,769 | ₹3,16,769 | 6.4% |
Baroda BNP Paribas Ultra Short TermBaroda BNP Paribas Ultra Short Term Fund (Direct)
Tata Ultra Short to Short TermTata Ultra Short to Short Term 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 Ultra Short Term vs Tata Ultra Short to Short Term: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Baroda BNP Paribas Ultra Short Term Fund (Direct) | Tata Ultra Short to Short Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.38% | +5.95% |
| Standard deviation | 0.43% | 0.58% |
| Sharpe ratio | 2.64 | 1.21 |
| Sortino ratio | 4.49 | 1.84 |
| Maximum drawdown | −0.1% (22-10-2026) | −0.2% (21-05-2026) |
| 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 Ultra Short Term Fund (Direct) | Tata Ultra Short to Short Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.14% | +7.18% |
| Standard deviation | 0.37% | 0.47% |
| Sharpe ratio | 3.05 | 2.46 |
| Sortino ratio | 6.06 | 4.31 |
| Maximum drawdown | −0.1% (22-10-2026) | −0.2% (21-05-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Ultra Short Term Fund (Direct) | Tata Ultra Short to Short Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.68% | +6.52% |
| Standard deviation | 0.36% | 0.47% |
| Sharpe ratio | 2.41 | 1.54 |
| Sortino ratio | 4.26 | 2.37 |
| Maximum drawdown | −0.3% (13-05-2022) | −0.5% (06-05-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-10-2021 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 Ultra Short Term Fund (Direct) | Tata Ultra Short to Short Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.49% | +6.99% |
| Standard deviation | 0.51% | 1.33% |
| Sharpe ratio | 2.35 | 0.70 |
| Sortino ratio | 4.61 | 0.76 |
| Maximum drawdown | −1.0% (24-03-2020) | −5.1% (17-06-2019) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 04-06-2018 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 Ultra Short Term Fund (Direct)
Tata Ultra Short to Short Term Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Baroda BNP Paribas Ultra Short Term Fund (Direct) | −1.0% | 06-03-2020 | 24-03-2020 | 27-03-2020 | 3 days | 0.0% |
| Tata Ultra Short to Short Term Fund (Direct) | −5.1% | 03-06-2019 | 17-06-2019 | 24-02-2020 | 8 months | −0.1% |
From daily values since 04-06-2018, 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 Ultra Short Term Fund (Direct)
Tata Ultra Short to Short Term Fund (Direct)
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 Ultra Short Term Fund (Direct)
Tata Ultra Short to Short Term Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Baroda BNP Paribas Ultra Short Term Fund (Direct)
Tata Ultra Short to Short Term Fund (Direct)
Baroda BNP Paribas Ultra Short Term vs Tata Ultra Short to Short Term: Portfolio Overlap
From each fund's latest monthly portfolio: Baroda BNP Paribas Ultra Short Term Fund, September 2026; Tata Ultra Short to Short Term Fund, September 2026
Holdings in common
- Overlap
- 16.9%
- Held by both
- 8
- Only in Baroda BNP Paribas Ultra Short Term
- 23
- Only in Tata Ultra Short to Short Term
- 49
| Security | % of Baroda BNP Paribas Ultra Short Term | % of Tata Ultra Short to Short Term |
|---|---|---|
| HDFC Bank Limited (14/12/2026) | 4.14% | 5.43% |
| Union Bank of India (12/03/2027) | 5.70% | 3.56% |
| Small Industries Dev Bank of India (10/11/2026) | 4.16% | 1.82% |
| 8.05% Muthoot Finance Limited (25/11/2027) | 4.16% | 1.82% |
| Punjab National Bank (04/02/2027) | 4.10% | 1.79% |
| Canara Bank (12/02/2027) | 4.09% | 1.79% |
| HDFC Bank Limited (05/03/2027) | 1.63% | 1.78% |
| Corporate Debt Market Development Fund | 0.58% | 0.38% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 16.9% means 16.9% 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 Ultra Short Term Fund
| Security | % of fund |
|---|---|
| IndusInd Bank Limited (27/01/2027) | 4.92% |
| 8.1% Tata Capital Housing Finance Limited (19/02/2027) | 4.20% |
| 8.28% PNB Housing Finance Limited (30/12/2026) | 4.20% |
| 7.75% Power Finance Corporation Limited (22/03/2027) | 4.20% |
| Indian Bank (22/01/2027) | 4.11% |
Largest holdings only in Tata Ultra Short to Short Term Fund
| Security | % of fund |
|---|---|
| ** 07.80 % NABARD - 15/03/2027 | 4.59% |
| ** - KOTAK MAHINDRA BANK - CD - 21/12/2026 | 4.52% |
| ** 06.92 % DLF CYBER CITY DEVELOPERS LTD - 28/07/2028 | 4.50% |
| ** - INDIAN BANK - CD - 12/01/2027 | 3.60% |
| SDL KERALA 7.80% (15/03/2027) | 3.51% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Baroda BNP Paribas Ultra Short Term | Tata Ultra Short to Short Term |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 91.4% | 97.3% |
| Cash and others | 8.6% | 2.7% |
Baroda BNP Paribas Ultra Short Term vs Tata Ultra Short to Short Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Baroda BNP Paribas Ultra Short Term Fund | Tata Ultra Short to Short Term Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.29% | 0.27% |
| Base expense ratio (Direct) | 0.24% | 0.21% |
| Total expense ratio (Regular) | 0.44% | 0.57% |
| Base expense ratio (Regular) | 0.37% | 0.50% |
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 Ultra Short Term with
- Baroda BNP Paribas Ultra Short Term vs Tata Ultra Short Term
- Baroda BNP Paribas Ultra Short Term vs Aditya Birla Sun Life Ultra Short Term
- Baroda BNP Paribas Ultra Short Term vs Axis Ultra Short Term fund
- Baroda BNP Paribas Ultra Short Term vs Mirae Asset Ultra Short-Term
- Baroda BNP Paribas Ultra Short Term vs ICICI Prudential Ultra Short Term
Compare Tata Ultra Short to Short Term with
- Tata Ultra Short to Short Term vs HSBC Ultra Short to Short Term
- Tata Ultra Short to Short Term vs Nippon India Ultra Short to Short Term
- Tata Ultra Short to Short Term vs Axis Ultra Short to Short Term
- Tata Ultra Short to Short Term vs Kotak Ultra Short to Short Term
- Tata Ultra Short to Short Term vs Mirae Asset Ultra Short to Short Term
Baroda BNP Paribas Ultra Short Term Fund vs Tata Ultra Short to Short Term Fund: Frequently Asked Questions
What is the difference between Baroda BNP Paribas Ultra Short Term Fund and Tata Ultra Short to Short Term Fund?
Baroda BNP Paribas Ultra Short Term Fund is an Ultra Short fund, Tata Ultra Short to Short Term Fund is a Low Duration fund, run by Baroda BNP Paribas Mutual Fund and Tata Mutual Fund. Their portfolios overlap 16.9%. Baroda BNP Paribas Ultra Short Term Fund charges 0.29% a year and Tata Ultra Short to Short Term Fund 0.27%.
Which has given higher returns, Baroda BNP Paribas Ultra Short Term Fund or Tata Ultra Short to Short Term Fund?
Over 1 year: Baroda BNP Paribas Ultra Short Term Fund +6.38%, Tata Ultra Short to Short Term Fund +5.95%. Over 3 years: Baroda BNP Paribas Ultra Short Term Fund +7.14% a year, Tata Ultra Short to Short Term Fund +7.18% a year. Over 5 years: Baroda BNP Paribas Ultra Short Term Fund +6.68% a year, Tata Ultra Short to Short Term Fund +6.52% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Baroda BNP Paribas Ultra Short Term Fund or Tata Ultra Short to Short Term Fund?
Tata Ultra Short to Short Term Fund charges less: 0.27% a year against 0.29%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Baroda BNP Paribas Ultra Short Term Fund and Tata Ultra Short to Short Term Fund overlap?
16.9%. They hold 8 of the same securities, the largest shared ones being HDFC Bank Limited (14/12/2026), Union Bank of India (12/03/2027), Small Industries Dev Bank of India (10/11/2026). From each fund's latest monthly portfolio.
Which is better for SIP, Baroda BNP Paribas Ultra Short Term Fund or Tata Ultra Short to Short Term Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,29,155 in Baroda BNP Paribas Ultra Short Term Fund (XIRR 7.0% a year) and ₹7,27,375 in Tata Ultra Short to Short Term Fund (XIRR 6.9% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Baroda BNP Paribas Ultra Short Term Fund and Tata Ultra Short to Short Term Fund?
Yes. 16.9% of each fund's money sits in the same holdings, so some 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.