Baroda BNP Paribas Retirement Fund
Retirement SolutionsVery HighOPEN-ENDED
- NAV as on 24 Sep 2026
- ₹11.40-1.33%1 day
- Return since launch
- 6.5%
- 52-week range
- ₹10.33 — ₹11.85
- AUM
- ₹405 Cr
Baroda BNP Paribas Retirement Fund is a Retirement Solutions hybrid fund from Baroda BNP Paribas Mutual Fund with ₹405 Cr under management, launched in 2024. The expense ratio is 2.60% and the SEBI riskometer reading is Very High.
Performance
Baroda BNP Paribas Retirement Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +2.7% against -0.4% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 1.1% | +0.4 pts | 0.7% | -1.2% |
| 2Y | 3.1% | +0.8 pts | 2.2% | 1.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -3.4% | −0.8 pts | -2.6% | -2.4% |
| 3M | -0.4% | +0.4 pts | -0.8% | -1.1% |
| 6M | 6.8% | +2.5 pts | 4.3% | 4.2% |
| 1Y | 2.7% | +2.0 pts | 0.7% | -0.4% |
| 2Y | 0.6% | +0.3 pts | 0.3% | 0.8% |
Since launch (8 May 2024): 6.5%
Calendar-year returns
Category average5.9%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 5.9% | −0.6 pts | 6.5% |
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
2.57%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 2.10%
- Brokerage
- 0.04%
- Transaction charges
- 0.00%
- Statutory levies
- 0.43%
- Exit load
- 0%
- Lock-in
- 5 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Hybrid 35+65 Aggressive Index
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.
Portfolio
Baroda BNP Paribas Retirement Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity72.2%
- Debt26.8%
- Other1.0%
Market cap split
- Large59.1%
- Mid25.8%
- Small15.1%
- P/E
- 29.47
- P/B
- 3.97
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| GOI | Sovereign | 3.85% | ₹15.59 Cr | +4.01% | +4.07% | +16.22% |
| Others | Others | 3.02% | ₹12.13 Cr | +9.36% | +5.16% | +1.74% |
| ICICI Bank Ltd. | Financial | 2.87% | ₹11.63 Cr | +2.59% | +3.68% | +4.30% |
| Larsen & Toubro Ltd. | Construction | 2.75% | ₹11.12 Cr | +2.63% | +2.34% | +2.25% |
| Divi's Laboratories Ltd. | Healthcare | 2.57% | ₹10.41 Cr | +1.89% | +1.72% | +1.90% |
| State Bank of India | Financial | 2.36% | ₹9.54 Cr | +2.24% | +1.37% | +0.95% |
| Titan Company Ltd. | Consumer Discretionary | 2.14% | ₹8.67 Cr | +1.79% | +1.70% | +1.33% |
| HDFC Bank Ltd. | Financial | 2.10% | ₹8.51 Cr | +2.88% | +4.95% | +5.50% |
| Bharat Heavy Electricals Ltd. | Capital Goods | 1.99% | ₹8.06 Cr | +2.25% | +1.68% | +1.37% |
| Navin Fluorine International Ltd. | Chemicals | 1.89% | ₹7.67 Cr | +1.63% | +1.40% | +1.10% |
| Bharti Airtel Ltd. | Communication | 1.86% | ₹7.52 Cr | +1.96% | +1.98% | +2.06% |
| Axis Bank Ltd. | Financial | 1.85% | ₹7.48 Cr | +1.91% | +1.47% | +0.96% |
| Multi Commodity Exchange Of India Ltd. | Services | 1.80% | ₹7.29 Cr | +1.75% | +1.32% | +0.67% |
| Radico Khaitan Ltd. | Consumer Staples | 1.74% | ₹7.04 Cr | +1.45% | +1.07% | +1.20% |
| Hitachi Energy India Ltd. | Capital Goods | 1.67% | ₹6.75 Cr | +2.55% | +1.86% | +1.60% |
| Mahindra & Mahindra Ltd. | Automobile | 1.62% | ₹6.56 Cr | +1.26% | +1.18% | +1.29% |
| Reliance Industries Ltd. | Energy | 1.58% | ₹6.39 Cr | +2.79% | +2.89% | +2.92% |
| Britannia Industries Ltd. | Consumer Staples | 1.47% | ₹5.96 Cr | +1.52% | +1.73% | +1.51% |
| TVS Motor Company Ltd. | Automobile | 1.46% | ₹5.93 Cr | +1.18% | +1.34% | +1.12% |
| Nippon Life India Asset Management Ltd. | Financial | 1.45% | ₹5.86 Cr | +1.42% | +1.18% | +1.03% |
| Tech Mahindra Ltd. | Technology | 1.45% | ₹5.88 Cr | +1.65% | +1.48% | +1.67% |
| PNB Housing Finance Ltd. | Financial | 1.42% | ₹5.74 Cr | — | — | — |
| Travel Food Services Ltd. | Services | 1.41% | ₹5.72 Cr | +1.39% | +1.38% | +1.82% |
| One97 Communications Ltd. | Services | 1.40% | ₹5.67 Cr | +0.95% | +0.92% | +0.95% |
| Bharat Electronics Ltd. | Capital Goods | 1.38% | ₹5.60 Cr | +1.43% | +0.79% | — |
| Hindustan Petroleum Corporation Ltd. | Energy | 1.36% | ₹5.49 Cr | +1.52% | — | — |
| GE Vernova T&D India Ltd | Capital Goods | 1.32% | ₹5.33 Cr | +1.59% | +1.42% | +1.07% |
| AU Small Finance Bank Ltd. | Financial | 1.29% | ₹5.22 Cr | +1.22% | +1.17% | +1.12% |
| Cummins India Ltd. | Capital Goods | 1.26% | ₹5.11 Cr | +1.52% | +1.28% | +1.11% |
| Jamnagar Utilities and Power Pvt. Ltd. | Capital Goods | 1.24% | ₹5.01 Cr | +1.29% | +1.29% | +1.34% |
| Kotak Mahindra Bank Ltd. | Financial | 1.24% | ₹5.03 Cr | +1.24% | +1.31% | +1.29% |
| Ujjivan Small Finance Bank Ltd. | Financial | 1.24% | ₹5.03 Cr | +0.95% | +1.00% | — |
| Fortis Healthcare Ltd. | Healthcare | 1.23% | ₹4.99 Cr | +1.32% | +1.31% | +1.32% |
| Mankind Pharma Ltd. | Healthcare | 1.20% | ₹4.84 Cr | — | — | — |
| Tata Motors Ltd. | Automobile | 1.15% | ₹4.66 Cr | +0.97% | +1.27% | — |
| City Union Bank Ltd. | Financial | 1.13% | ₹4.58 Cr | +0.99% | +1.08% | +0.77% |
| Persistent Systems Ltd. | Technology | 1.13% | ₹4.58 Cr | +1.34% | +0.89% | +1.04% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 1.10% | ₹4.44 Cr | +0.95% | +1.05% | +1.23% |
| SBI Life Insurance Company Ltd. | Insurance | 1.07% | ₹4.35 Cr | +1.42% | — | — |
| The Federal Bank Ltd. | Financial | 1.06% | ₹4.28 Cr | +0.75% | +0.76% | — |
| Piramal Finance Ltd. | Financial | 1.05% | ₹4.24 Cr | +1.08% | +1.09% | +1.16% |
| Bajaj Finance Ltd. | Financial | 1.04% | ₹4.23 Cr | +0.94% | +0.76% | +0.69% |
| Pidilite Industries Ltd. | Chemicals | 1.04% | ₹4.22 Cr | — | — | — |
| Infosys Ltd. | Technology | 0.99% | ₹4.03 Cr | +1.20% | +1.72% | +2.19% |
| Ultratech Cement Ltd. | Materials | 0.99% | ₹4.01 Cr | +1.19% | +1.48% | +1.53% |
| Ola Electric Mobility Ltd. | Automobile | 0.97% | ₹3.91 Cr | +1.02% | — | — |
| Max Financial Services Ltd. | Financial | 0.96% | ₹3.89 Cr | +1.07% | +1.13% | +1.23% |
| Vishal Mega Mart Ltd. | Services | 0.94% | ₹3.79 Cr | +1.08% | +1.02% | +1.34% |
| Sagility Ltd. | Services | 0.90% | ₹3.66 Cr | +1.06% | +1.01% | +1.17% |
| Linde India Ltd. | Chemicals | 0.88% | ₹3.58 Cr | +1.04% | +0.95% | +0.94% |
| Maruti Suzuki India Ltd. | Automobile | 0.87% | ₹3.52 Cr | +0.88% | +0.98% | — |
| Karur Vysya Bank Ltd. | Financial | 0.86% | ₹3.48 Cr | — | — | — |
| NHPC Ltd. | Energy | 0.85% | ₹3.45 Cr | — | — | — |
| Hindalco Industries Ltd. | Metals & Mining | 0.75% | ₹3.05 Cr | +1.40% | +1.12% | +0.89% |
| National Securities Depository Ltd | Financial | 0.64% | ₹2.59 Cr | — | — | — |
| The India Cements Ltd. | Materials | 0.46% | ₹1.88 Cr | +0.50% | +0.72% | — |
| TVS Motor Company Ltd - Pref. Shares | Automobile | 0.01% | ₹0.06 Cr | +0.01% | +0.01% | +0.01% |
| company:20823 | Healthcare | 0.01% | ₹0.05 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| HDFC Bank Ltd. | 2.80% | 2.10% | -0.70% |
| Divi's Laboratories Ltd. | 2.21% | 2.57% | +0.36% |
| One97 Communications Ltd. | 1.10% | 1.40% | +0.30% |
| Multi Commodity Exchange Of India Ltd. | 1.54% | 1.80% | +0.26% |
| Navin Fluorine International Ltd. | 1.67% | 1.89% | +0.22% |
| Ujjivan Small Finance Bank Ltd. | 1.43% | 1.24% | -0.19% |
| Bharti Airtel Ltd. | 2.04% | 1.86% | -0.18% |
| Bharat Heavy Electricals Ltd. | 1.85% | 1.99% | +0.14% |
| Infosys Ltd. | 1.13% | 0.99% | -0.14% |
| Others | 2.13% | 2.01% | -0.12% |
| Cummins India Ltd. | 1.38% | 1.26% | -0.12% |
| PNB Housing Finance Ltd. | 1.31% | 1.42% | +0.11% |
| Bajaj Finance Ltd. | 1.14% | 1.04% | -0.10% |
| City Union Bank Ltd. | 1.03% | 1.13% | +0.10% |
| Hindustan Petroleum Corporation Ltd. | 1.46% | 1.36% | -0.10% |
| SBI Life Insurance Company Ltd. | 1.17% | 1.07% | -0.10% |
| Axis Bank Ltd. | 1.76% | 1.85% | +0.09% |
| Bharat Electronics Ltd. | 1.30% | 1.38% | +0.08% |
| Titan Company Ltd. | 2.07% | 2.14% | +0.07% |
| Fortis Healthcare Ltd. | 1.30% | 1.23% | -0.07% |
| Kotak Mahindra Bank Ltd. | 1.17% | 1.24% | +0.07% |
| GOI | 3.92% | 3.85% | -0.07% |
| Hitachi Energy India Ltd. | 1.60% | 1.67% | +0.07% |
| Mahindra & Mahindra Ltd. | 1.69% | 1.62% | -0.07% |
| Tata Motors Ltd. | 1.08% | 1.15% | +0.07% |
| Britannia Industries Ltd. | 1.53% | 1.47% | -0.06% |
| State Bank of India | 2.30% | 2.36% | +0.06% |
| Linde India Ltd. | 0.94% | 0.88% | -0.06% |
| Sagility Ltd. | 0.96% | 0.90% | -0.06% |
| Maruti Suzuki India Ltd. | 0.92% | 0.87% | -0.05% |
| Ultratech Cement Ltd. | 1.04% | 0.99% | -0.05% |
| Ola Electric Mobility Ltd. | 0.92% | 0.97% | +0.05% |
| Larsen & Toubro Ltd. | 2.70% | 2.75% | +0.05% |
| Reliance Industries Ltd. | 1.63% | 1.58% | -0.05% |
| AU Small Finance Bank Ltd. | 1.25% | 1.29% | +0.04% |
| Pidilite Industries Ltd. | 1.00% | 1.04% | +0.04% |
| Radico Khaitan Ltd. | 1.70% | 1.74% | +0.04% |
| The India Cements Ltd. | 0.50% | 0.46% | -0.04% |
| Max Financial Services Ltd. | 0.92% | 0.96% | +0.04% |
| GE Vernova T&D India Ltd | 1.29% | 1.32% | +0.03% |
| Mankind Pharma Ltd. | 1.23% | 1.20% | -0.03% |
| NHPC Ltd. | 0.88% | 0.85% | -0.03% |
| Tech Mahindra Ltd. | 1.48% | 1.45% | -0.03% |
| Vishal Mega Mart Ltd. | 0.91% | 0.94% | +0.03% |
| Hindalco Industries Ltd. | 0.73% | 0.75% | +0.02% |
| Travel Food Services Ltd. | 1.43% | 1.41% | -0.02% |
| ICICI Bank Ltd. | 2.86% | 2.87% | +0.01% |
| Jamnagar Utilities and Power Pvt. Ltd. | 1.25% | 1.24% | -0.01% |
| Karur Vysya Bank Ltd. | 0.85% | 0.86% | +0.01% |
| National Securities Depository Ltd | 0.65% | 0.64% | -0.01% |
| TVS Motor Company Ltd. | 1.47% | 1.46% | -0.01% |
| The Federal Bank Ltd. | 1.07% | 1.06% | -0.01% |
| company:20823 | 0.00% | 0.01% | +0.01% |
| Cholamandalam Investment and Finance Company Ltd. | 1.10% | 1.10% | 0.00% |
| Nippon Life India Asset Management Ltd. | 1.45% | 1.45% | 0.00% |
| Persistent Systems Ltd. | 1.13% | 1.13% | 0.00% |
| Piramal Finance Ltd. | 1.05% | 1.05% | 0.00% |
| TVS Motor Company Ltd - Pref. Shares | 0.01% | 0.01% | 0.00% |
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 | ₹936 Cr | 2.43% | 0.9% | 5.4% | 9.4% |
 Tata Retirement Savings Moderate Fund | ₹2,251 Cr | 2.17% | 5.8% | 6.5% | 10.0% |
 ICICI Prudential Retirement Fund - Hybrid Aggressive Plan | ₹1,320 Cr | 2.48% | 3.3% | 9.6% | 14.2% |
 Axis Retirement Fund - Aggressive Plan | ₹706 Cr | 2.49% | -3.0% | 2.7% | 6.9% |
| Axis Retirement Fund - Dynamic Plan | ₹285 Cr | 2.57% | -1.6% | 3.4% | 7.6% |
 Aditya Birla Sun Life Retirement Fund - The 40s Plan | ₹116 Cr | 2.42% | -0.2% | 5.0% | 8.4% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The Scheme seeks to generate income and capital appreciation by investing in a diversified portfolio of equity and equity related instruments and fixed income instruments with a view to provide a retirement solution to investors.
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.
- Vikram PamnaniMr. Pamnani holds PGDM in Finance.Prior to joining Baroda BNP Paribas Mutual Fund, he worked with Essel Finance AMC Ltd. as Fund Manager, Canara Robeco AMC Ltd. as Fixed Income Dealer & Deutsche Bank as Process Executive.
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 months6.75% absolute | ₹60,000 | ₹64,050 | 6.75% | |
| 1 year2.68% annualised | ₹1,20,000 | ₹1,21,756 | 1.46% |
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 Retirement Fund?
The NAV of Baroda BNP Paribas Retirement Fund is ₹11.40 as on 24 Sep 2026.
What is the expense ratio of Baroda BNP Paribas Retirement Fund?
The expense ratio of Baroda BNP Paribas Retirement Fund is 2.60% per year.
What is the minimum SIP amount for Baroda BNP Paribas Retirement Fund?
You can start a SIP in Baroda BNP Paribas Retirement Fund with ₹3,000 a month.
Is there a lock-in or exit load on Baroda BNP Paribas Retirement Fund?
Lock-in: 5 years. Exit load: 0%.
How risky is Baroda BNP Paribas Retirement Fund?
Baroda BNP Paribas Retirement Fund is rated Very High on the SEBI riskometer and belongs to the Retirement Solutions category.
Which fund house manages Baroda BNP Paribas Retirement Fund?
Baroda BNP Paribas Retirement Fund is managed by Baroda BNP Paribas Mutual Fund, which runs 44 schemes with ₹53,546 Cr under management.