Baroda BNP Paribas Banking and Financial Services Fund
Sectoral-BankingVery HighOPEN-ENDED
- NAV as on 24 Sep 2026
- ₹47.77-3.35%1 day
- Return since launch
- 11.9%
- 52-week range
- ₹42.84 — ₹51.35
- AUM
- ₹460 Cr
Baroda BNP Paribas Banking and Financial Services Fund is a Sectoral-Banking equity fund from Baroda BNP Paribas Mutual Fund with ₹460 Cr under management, launched in 2012. Over three years it has returned 6.1% a year, against 10.7% for its category. The expense ratio is 2.68% and the SEBI riskometer reading is Very High.
Performance
Baroda BNP Paribas Banking and Financial Services Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +1.4% against +0.7% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | -3.8% | −5.8 pts | 2.0% | -5.0% |
| 2Y | 1.9% | −0.1 pts | 2.0% | 1.5% |
| 3Y | 6.1% | −4.5 pts | 10.7% | 4.7% |
| 5Y | 10.4% | +0.8 pts | 9.6% | 9.0% |
| 7Y | 11.9% | −0.3 pts | 12.3% | 11.2% |
| 10Y | 11.1% | −0.2 pts | 11.3% | 10.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -5.7% | −1.0 pts | -4.6% | -4.0% |
| 3M | -2.1% | +1.9 pts | -4.1% | -4.1% |
| 6M | 4.9% | +0.3 pts | 4.5% | 4.4% |
| 1Y | 1.4% | −0.6 pts | 2.0% | 0.7% |
| 2Y | 1.8% | +0.2 pts | 1.6% | 0.9% |
| 3Y | 12.0% | +1.3 pts | 10.7% | 9.2% |
| 5Y | 9.5% | −0.1 pts | 9.6% | 8.6% |
| 7Y | 10.4% | −0.8 pts | 11.2% | 9.9% |
| 10Y | 10.7% | −0.6 pts | 11.3% | 10.0% |
Since launch (1 Jun 2012): 11.9%
Calendar-year returns
Category average-1.0%
8.0%
15.7%
20.5%
12.4%
14.4%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 14.4% | −4.1 pts | 18.6% |
| 2024 | 12.4% | +0.4 pts | 12.0% |
| 2023 | 20.5% | −1.0 pts | 21.4% |
| 2022 | 15.7% | −0.9 pts | 16.5% |
| 2021 | 8.0% | −8.5 pts | 16.4% |
| 2020 | -1.0% | −1.0 pts | -0.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.68%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 2.09%
- Brokerage
- 0.09%
- Transaction charges
- 0.01%
- Statutory levies
- 0.49%
- Exit load
- Exit load of 1%, if redeemed within 30 days.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY Financial Services TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | 3.53 | 6.55 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.97 | 0.92 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.61 | 0.75 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.78 | 0.96 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 15.71 | 16.34 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Baroda BNP Paribas Banking and Financial Services Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity96.1%
- Debt4.9%
Market cap split
- Large58.4%
- Mid24.9%
- Small16.7%
- P/E
- 18.75
- P/B
- 2.31
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| ICICI Bank Ltd. | Financial | 9.17% | ₹42.17 Cr | +7.95% | +8.69% | +18.50% |
| State Bank of India | Financial | 8.32% | ₹38.27 Cr | +9.40% | +8.22% | +7.37% |
| Axis Bank Ltd. | Financial | 6.50% | ₹29.90 Cr | +8.80% | +7.33% | +4.42% |
| HDFC Bank Ltd. | Financial | 6.02% | ₹27.65 Cr | +8.48% | +11.75% | +1.07% |
| Bajaj Finance Ltd. | Financial | 5.36% | ₹24.65 Cr | +3.45% | +4.02% | +3.11% |
| Kotak Mahindra Bank Ltd. | Financial | 5.34% | ₹24.53 Cr | +6.32% | +6.81% | +5.01% |
| Shriram Finance Ltd | Financial | 4.10% | ₹18.87 Cr | +3.48% | +3.40% | — |
| Indusind Bank Ltd. | Financial | 4.03% | ₹18.50 Cr | +5.21% | +5.43% | — |
| One97 Communications Ltd. | Services | 3.38% | ₹15.54 Cr | +2.15% | +1.11% | +1.55% |
| Multi Commodity Exchange Of India Ltd. | Services | 3.18% | ₹14.62 Cr | +3.37% | +2.46% | +1.38% |
| Ujjivan Small Finance Bank Ltd. | Financial | 3.04% | ₹13.96 Cr | +2.48% | +2.28% | +1.66% |
| Karur Vysya Bank Ltd. | Financial | 2.91% | ₹13.38 Cr | +2.74% | +2.22% | +1.96% |
| Others | Others | 2.78% | ₹12.75 Cr | +7.16% | +11.62% | +6.30% |
| PB Fintech Ltd. | Services | 2.37% | ₹10.88 Cr | — | — | +2.40% |
| PNB Housing Finance Ltd. | Financial | 2.31% | ₹10.63 Cr | +1.37% | — | — |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 2.23% | ₹10.27 Cr | +1.17% | +2.18% | +1.20% |
| The Federal Bank Ltd. | Financial | 2.17% | ₹9.99 Cr | +2.56% | +1.51% | — |
| Aditya Birla Capital Ltd. | Financial | 2.14% | ₹9.83 Cr | +1.15% | +1.09% | +2.45% |
| AU Small Finance Bank Ltd. | Financial | 2.01% | ₹9.23 Cr | +1.75% | +1.69% | +1.70% |
| Union Bank of India | Financial | 1.95% | ₹8.96 Cr | +2.02% | — | — |
| RBL Bank Ltd. | Financial | 1.82% | ₹8.37 Cr | +1.05% | +2.42% | — |
| BSE Ltd. | Services | 1.79% | ₹8.24 Cr | +2.10% | — | — |
| Prudent Corporate Advisory Services Ltd. | Financial | 1.60% | ₹7.35 Cr | +1.38% | +1.19% | +1.27% |
| City Union Bank Ltd. | Financial | 1.55% | ₹7.14 Cr | +1.29% | — | — |
| ICICI Prudential Asset Management Company Ltd. | Unclassified | 1.53% | ₹7.05 Cr | +2.24% | +1.67% | — |
| SBI Life Insurance Company Ltd. | Insurance | 1.51% | ₹6.96 Cr | +3.01% | +2.57% | +2.16% |
| The Jammu & Kashmir Bank Ltd. | Financial | 1.45% | ₹6.65 Cr | +1.95% | — | — |
| Max Financial Services Ltd. | Financial | 1.37% | ₹6.29 Cr | +1.90% | — | — |
| 360 One Wam Ltd. | Financial | 1.30% | ₹5.99 Cr | +0.98% | +1.39% | — |
| company:4789 | Financial | 1.10% | ₹5.04 Cr | — | — | — |
| Reserve Bank of India | Financial | 1.09% | ₹4.99 Cr | +1.25% | +1.22% | +0.23% |
| Billionbrains Garage Ventures Ltd. | Financial | 1.06% | ₹4.86 Cr | — | — | — |
| Aadhar Housing Finance Ltd | Financial | 1.05% | ₹4.81 Cr | — | — | — |
| company:12429 | Financial | 0.91% | ₹4.17 Cr | — | — | — |
| company:5765 | Insurance | 0.87% | ₹4.02 Cr | — | — | — |
| Muthoot Finance Ltd. | Financial | 0.39% | ₹1.79 Cr | +1.78% | — | — |
| Bandhan Bank Ltd. | Financial | 0.30% | ₹1.39 Cr | +1.58% | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| HDFC Bank Ltd. | 7.71% | 6.02% | -1.69% |
| PB Fintech Ltd. | 0.92% | 2.37% | +1.45% |
| company:4789 | 0.00% | 1.10% | +1.10% |
| Billionbrains Garage Ventures Ltd. | 0.15% | 1.06% | +0.91% |
| company:12429 | 0.00% | 0.91% | +0.91% |
| Muthoot Finance Ltd. | 1.29% | 0.39% | -0.90% |
| company:5765 | 0.00% | 0.87% | +0.87% |
| Bajaj Finance Ltd. | 6.09% | 5.36% | -0.73% |
| SBI Life Insurance Company Ltd. | 2.22% | 1.51% | -0.71% |
| Aadhar Housing Finance Ltd | 0.34% | 1.05% | +0.71% |
| One97 Communications Ltd. | 2.74% | 3.38% | +0.64% |
| ICICI Bank Ltd. | 8.55% | 9.17% | +0.62% |
| Axis Bank Ltd. | 7.04% | 6.50% | -0.54% |
| Bandhan Bank Ltd. | 0.84% | 0.30% | -0.54% |
| The Federal Bank Ltd. | 2.71% | 2.17% | -0.54% |
| The Jammu & Kashmir Bank Ltd. | 1.96% | 1.45% | -0.51% |
| Indusind Bank Ltd. | 4.35% | 4.03% | -0.32% |
| Multi Commodity Exchange Of India Ltd. | 2.90% | 3.18% | +0.28% |
| Ujjivan Small Finance Bank Ltd. | 3.32% | 3.04% | -0.28% |
| 360 One Wam Ltd. | 1.04% | 1.30% | +0.26% |
| Others | 3.58% | 3.84% | +0.26% |
| Max Financial Services Ltd. | 1.54% | 1.37% | -0.17% |
| Cholamandalam Investment and Finance Company Ltd. | 2.34% | 2.23% | -0.11% |
| ICICI Prudential Asset Management Company Ltd. | 1.64% | 1.53% | -0.11% |
| Karur Vysya Bank Ltd. | 3.02% | 2.91% | -0.11% |
| Kotak Mahindra Bank Ltd. | 5.23% | 5.34% | +0.11% |
| Aditya Birla Capital Ltd. | 2.04% | 2.14% | +0.10% |
| PNB Housing Finance Ltd. | 2.41% | 2.31% | -0.10% |
| RBL Bank Ltd. | 1.72% | 1.82% | +0.10% |
| BSE Ltd. | 1.89% | 1.79% | -0.10% |
| Prudent Corporate Advisory Services Ltd. | 1.51% | 1.60% | +0.09% |
| Union Bank of India | 1.86% | 1.95% | +0.09% |
| City Union Bank Ltd. | 1.47% | 1.55% | +0.08% |
| Reserve Bank of India | 1.14% | 1.09% | -0.05% |
| AU Small Finance Bank Ltd. | 2.04% | 2.01% | -0.03% |
| Shriram Finance Ltd | 4.07% | 4.10% | +0.03% |
| State Bank of India | 8.30% | 8.32% | +0.02% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,982 Cr | 2.23% | -1.4% | 8.8% | 12.4% |
 SBI Banking & Financial Services Fund | ₹10,873 Cr | 2.16% | -8.4% | 6.6% | 11.5% |
 Invesco India Financial Services Fund | ₹1,896 Cr | 2.18% | -3.4% | 8.0% | 13.3% |
 Bandhan Financial Services Fund | ₹1,122 Cr | 2.49% | -3.6% | 5.5% | — |
 Quant BFSI Fund | ₹922 Cr | 3.48% | 13.7% | 15.4% | — |
 Kotak Nifty Financial Services Ex-Bank Index Fund | ₹99.18 Cr | 0.83% | -5.5% | 8.6% | — |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme aims to provide long term capital appreciation by investing in equity and equity related securities of companies engaged in banking & financial services sector which are expected to show sustained growth & generate better performance.
Fund managers
- Silky JainMs. Jain is a MS (Finance), M.ComPrior to joining Baroda BNP Paribas AMC, she has worked with Canara Robeco Asset Management Company Ltd and Nirmal Bang Securities Pvt Ltd.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months4.89% absolute | ₹60,000 | ₹62,934 | 4.89% | |
| 1 year1.37% annualised | ₹1,20,000 | ₹1,20,894 | 0.75% | |
| 3 years12.01% annualised | ₹3,60,000 | ₹4,35,147 | 20.87% | |
| 5 years9.48% annualised | ₹6,00,000 | ₹7,69,854 | 28.31% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Baroda BNP Paribas Banking and Financial Services Fund?
The NAV of Baroda BNP Paribas Banking and Financial Services Fund is ₹47.77 as on 24 Sep 2026.
What is the expense ratio of Baroda BNP Paribas Banking and Financial Services Fund?
The expense ratio of Baroda BNP Paribas Banking and Financial Services Fund is 2.68% per year.
What is the minimum SIP amount for Baroda BNP Paribas Banking and Financial Services Fund?
You can start a SIP in Baroda BNP Paribas Banking and Financial Services Fund with ₹3,000 a month.
What returns has Baroda BNP Paribas Banking and Financial Services Fund given?
Baroda BNP Paribas Banking and Financial Services Fund has returned -3.8% over 1 year, 6.1% over 3 years and 10.4% over 5 years (annualised).
Is there a lock-in or exit load on Baroda BNP Paribas Banking and Financial Services Fund?
Lock-in: None. Exit load: Exit load of 1%, if redeemed within 30 days..
How risky is Baroda BNP Paribas Banking and Financial Services Fund?
Baroda BNP Paribas Banking and Financial Services Fund is rated Very High on the SEBI riskometer and belongs to the Sectoral-Banking category.
Which fund house manages Baroda BNP Paribas Banking and Financial Services Fund?
Baroda BNP Paribas Banking and Financial Services Fund is managed by Baroda BNP Paribas Mutual Fund, which runs 44 schemes with ₹53,546 Cr under management.