Baroda BNP Paribas Retirement Fund
Retirement SolutionsVery HighOPEN-ENDED
- NAV as on 6 Nov 2026
- ₹11.69+0.69%1 day
- Return since launch
- 6.6%
- 52-week range
- ₹10.33 — ₹11.85
- AUM
- ₹387 Cr
Baroda BNP Paribas Retirement Fund is a Retirement Solutions hybrid fund from Baroda BNP Paribas Mutual Fund with ₹387 Cr under management, launched in 2024. The expense ratio is 2.55% 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 +2.4% against +0.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.3% | +4.9 pts | 1.4% | 3.0% |
| 2Y | 5.7% | +1.5 pts | 4.2% | 3.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 4.0% | +0.8 pts | 3.2% | 3.7% |
| 3M | -0.6% | +0.1 pts | -0.7% | -0.7% |
| 6M | 2.3% | +0.4 pts | 1.9% | 2.9% |
| 1Y | 2.4% | +1.0 pts | 1.4% | 0.1% |
| 2Y | 3.7% | +0.9 pts | 2.9% | 3.3% |
Since launch (8 May 2024): 6.6%
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
2.55%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 2.10%
- Brokerage
- 0.03%
- Transaction charges
- 0.00%
- Statutory levies
- 0.42%
- 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 30 Sep 2026
Asset allocation
- Equity70.2%
- Debt29.1%
- Other0.8%
Market cap split
- Large59.1%
- Mid25.8%
- Small15.1%
- P/E
- 27.59
- P/B
- 3.71
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 4.22% | ₹16.23 Cr | +4.06% | +11.94% | +3.10% |
| GOI | Sovereign | 3.98% | ₹15.42 Cr | +4.05% | +4.34% | +1.34% |
| ICICI Bank Ltd. | Financial | 2.73% | ₹10.57 Cr | +2.78% | +3.58% | +3.77% |
| Larsen & Toubro Ltd. | Construction | 2.67% | ₹10.34 Cr | +2.88% | +2.35% | +2.31% |
| Divi's Laboratories Ltd. | Healthcare | 2.64% | ₹10.22 Cr | +1.83% | +1.78% | +1.78% |
| State Bank of India | Financial | 2.23% | ₹8.64 Cr | +2.34% | +1.24% | +1.04% |
| HDFC Bank Ltd. | Financial | 2.20% | ₹8.50 Cr | +3.03% | +4.53% | +5.56% |
| Titan Company Ltd. | Consumer Discretionary | 2.01% | ₹7.80 Cr | +1.89% | +1.73% | +1.25% |
| Bharat Heavy Electricals Ltd. | Capital Goods | 1.95% | ₹7.56 Cr | +1.91% | +1.73% | +1.58% |
| Bharti Airtel Ltd. | Communication | 1.88% | ₹7.29 Cr | +1.94% | +2.08% | +2.07% |
| Multi Commodity Exchange Of India Ltd. | Services | 1.83% | ₹7.08 Cr | +1.65% | +1.43% | +0.72% |
| Axis Bank Ltd. | Financial | 1.82% | ₹7.05 Cr | +1.96% | +1.37% | +1.05% |
| Radico Khaitan Ltd. | Consumer Staples | 1.77% | ₹6.86 Cr | +1.57% | +1.18% | +1.23% |
| Navin Fluorine International Ltd. | Chemicals | 1.70% | ₹6.60 Cr | +1.72% | +1.53% | +1.20% |
| Hitachi Energy India Ltd. | Capital Goods | 1.58% | ₹6.13 Cr | +1.77% | +1.75% | +1.52% |
| Reliance Industries Ltd. | Energy | 1.53% | ₹5.94 Cr | +1.64% | +3.10% | +2.97% |
| Mahindra & Mahindra Ltd. | Automobile | 1.52% | ₹5.90 Cr | +1.55% | +1.14% | +1.39% |
| PNB Housing Finance Ltd. | Financial | 1.45% | ₹5.60 Cr | +1.31% | — | — |
| TVS Motor Company Ltd. | Automobile | 1.45% | ₹5.60 Cr | +1.19% | +1.29% | +1.25% |
| One 97 Communications Ltd. | Services | 1.43% | ₹5.54 Cr | +0.95% | +0.89% | +0.90% |
| Britannia Industries Ltd. | Consumer Staples | 1.42% | ₹5.48 Cr | +1.48% | +1.73% | +1.81% |
| Tech Mahindra Ltd. | Technology | 1.42% | ₹5.50 Cr | +1.28% | +1.68% | +1.60% |
| Nippon Life India Asset Management Ltd. | Financial | 1.38% | ₹5.35 Cr | +1.47% | +1.13% | +1.15% |
| Travel Food Services Ltd. | Services | 1.37% | ₹5.29 Cr | +1.47% | +1.57% | +1.94% |
| Hindustan Petroleum Corporation Ltd. | Energy | 1.36% | ₹5.26 Cr | +1.50% | — | — |
| Bharat Electronics Ltd. | Capital Goods | 1.35% | ₹5.24 Cr | +1.41% | +0.79% | — |
| Jamnagar Utilities and Power Pvt. Ltd. | Capital Goods | 1.29% | ₹5.00 Cr | +1.28% | +1.41% | +1.36% |
| Kotak Mahindra Bank Ltd. | Financial | 1.29% | ₹5.00 Cr | +1.24% | +1.24% | +1.32% |
| Mankind Pharma Ltd. | Healthcare | 1.29% | ₹5.01 Cr | +1.29% | — | — |
| Ujjivan Small Finance Bank Ltd. | Financial | 1.27% | ₹4.91 Cr | +1.19% | +0.97% | +0.89% |
| AU Small Finance Bank Ltd. | Financial | 1.25% | ₹4.85 Cr | +1.26% | +1.14% | +1.15% |
| Cummins India Ltd. | Capital Goods | 1.23% | ₹4.76 Cr | +1.43% | +1.31% | +1.15% |
| City Union Bank Ltd. | Financial | 1.17% | ₹4.52 Cr | +1.05% | +1.01% | +0.85% |
| Persistent Systems Ltd. | Technology | 1.12% | ₹4.32 Cr | +0.90% | +1.02% | +0.95% |
| SBI Life Insurance Company Ltd. | Insurance | 1.10% | ₹4.24 Cr | +1.34% | — | — |
| Fortis Healthcare Ltd. | Healthcare | 1.09% | ₹4.24 Cr | +1.33% | +1.23% | +1.42% |
| GE Vernova T&D India Ltd | Capital Goods | 1.09% | ₹4.20 Cr | +1.50% | +1.50% | +1.15% |
| Tata Motors Ltd. | Automobile | 1.08% | ₹4.17 Cr | +1.06% | +1.10% | — |
| Piramal Finance Ltd. | Financial | 1.06% | ₹4.09 Cr | +1.05% | +1.18% | +1.13% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 1.00% | ₹3.87 Cr | +1.08% | +0.91% | +1.02% |
| Bajaj Finance Ltd. | Financial | 0.99% | ₹3.84 Cr | +1.02% | +0.68% | +0.80% |
| Ultratech Cement Ltd. | Materials | 0.99% | ₹3.83 Cr | +1.00% | +1.21% | +1.49% |
| The Federal Bank Ltd. | Financial | 0.98% | ₹3.81 Cr | +1.00% | +0.73% | — |
| Pidilite Industries Ltd. | Chemicals | 0.95% | ₹3.66 Cr | +1.01% | — | — |
| Infosys Ltd. | Technology | 0.91% | ₹3.53 Cr | +1.01% | +1.84% | +2.17% |
| Linde India Ltd. | Chemicals | 0.91% | ₹3.54 Cr | +1.04% | +1.08% | +0.93% |
| Ola Electric Mobility Ltd. | Automobile | 0.91% | ₹3.51 Cr | +1.05% | — | — |
| Vishal Mega Mart Ltd. | Services | 0.89% | ₹3.46 Cr | +1.02% | +1.02% | +1.36% |
| Max Financial Services Ltd. | Financial | 0.88% | ₹3.39 Cr | +0.99% | +1.04% | +1.22% |
| Sagility Ltd. | Services | 0.86% | ₹3.31 Cr | +0.88% | +1.20% | +1.15% |
| NHPC Ltd. | Energy | 0.85% | ₹3.28 Cr | +0.93% | — | — |
| Karur Vysya Bank Ltd. | Financial | 0.84% | ₹3.25 Cr | +0.75% | — | — |
| Maruti Suzuki India Ltd. | Automobile | 0.80% | ₹3.11 Cr | +0.93% | +0.90% | — |
| Hindalco Industries Ltd. | Metals & Mining | 0.73% | ₹2.83 Cr | +0.73% | +1.20% | +0.97% |
| National Securities Depository Ltd | Financial | 0.62% | ₹2.41 Cr | +0.69% | — | — |
| The India Cements Ltd. | Materials | 0.39% | ₹1.53 Cr | +0.48% | +0.68% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Others | 2.01% | 3.46% | +1.45% |
| GE Vernova T&D India Ltd | 1.32% | 1.09% | -0.23% |
| Navin Fluorine International Ltd. | 1.89% | 1.70% | -0.19% |
| ICICI Bank Ltd. | 2.87% | 2.73% | -0.14% |
| Fortis Healthcare Ltd. | 1.23% | 1.09% | -0.14% |
| Titan Company Ltd. | 2.14% | 2.01% | -0.13% |
| GOI | 3.85% | 3.98% | +0.13% |
| State Bank of India | 2.36% | 2.23% | -0.13% |
| Cholamandalam Investment and Finance Company Ltd. | 1.10% | 1.00% | -0.10% |
| HDFC Bank Ltd. | 2.10% | 2.20% | +0.10% |
| Mahindra & Mahindra Ltd. | 1.62% | 1.52% | -0.10% |
| Mankind Pharma Ltd. | 1.20% | 1.29% | +0.09% |
| Pidilite Industries Ltd. | 1.04% | 0.95% | -0.09% |
| Hitachi Energy India Ltd. | 1.67% | 1.58% | -0.09% |
| Larsen & Toubro Ltd. | 2.75% | 2.67% | -0.08% |
| The Federal Bank Ltd. | 1.06% | 0.98% | -0.08% |
| Infosys Ltd. | 0.99% | 0.91% | -0.08% |
| Max Financial Services Ltd. | 0.96% | 0.88% | -0.08% |
| Divi's Laboratories Ltd. | 2.57% | 2.64% | +0.07% |
| Nippon Life India Asset Management Ltd. | 1.45% | 1.38% | -0.07% |
| The India Cements Ltd. | 0.46% | 0.39% | -0.07% |
| Maruti Suzuki India Ltd. | 0.87% | 0.80% | -0.07% |
| Tata Motors Ltd. | 1.15% | 1.08% | -0.07% |
| Ola Electric Mobility Ltd. | 0.97% | 0.91% | -0.06% |
| Bajaj Finance Ltd. | 1.04% | 0.99% | -0.05% |
| Britannia Industries Ltd. | 1.47% | 1.42% | -0.05% |
| Jamnagar Utilities and Power Pvt. Ltd. | 1.24% | 1.29% | +0.05% |
| Kotak Mahindra Bank Ltd. | 1.24% | 1.29% | +0.05% |
| Reliance Industries Ltd. | 1.58% | 1.53% | -0.05% |
| Vishal Mega Mart Ltd. | 0.94% | 0.89% | -0.05% |
| AU Small Finance Bank Ltd. | 1.29% | 1.25% | -0.04% |
| Bharat Heavy Electricals Ltd. | 1.99% | 1.95% | -0.04% |
| City Union Bank Ltd. | 1.13% | 1.17% | +0.04% |
| Sagility Ltd. | 0.90% | 0.86% | -0.04% |
| Travel Food Services Ltd. | 1.41% | 1.37% | -0.04% |
| Axis Bank Ltd. | 1.85% | 1.82% | -0.03% |
| Cummins India Ltd. | 1.26% | 1.23% | -0.03% |
| Linde India Ltd. | 0.88% | 0.91% | +0.03% |
| Multi Commodity Exchange Of India Ltd. | 1.80% | 1.83% | +0.03% |
| One 97 Communications Ltd. | 1.40% | 1.43% | +0.03% |
| PNB Housing Finance Ltd. | 1.42% | 1.45% | +0.03% |
| Radico Khaitan Ltd. | 1.74% | 1.77% | +0.03% |
| SBI Life Insurance Company Ltd. | 1.07% | 1.10% | +0.03% |
| Tech Mahindra Ltd. | 1.45% | 1.42% | -0.03% |
| Ujjivan Small Finance Bank Ltd. | 1.24% | 1.27% | +0.03% |
| Bharat Electronics Ltd. | 1.38% | 1.35% | -0.03% |
| Hindalco Industries Ltd. | 0.75% | 0.73% | -0.02% |
| Karur Vysya Bank Ltd. | 0.86% | 0.84% | -0.02% |
| National Securities Depository Ltd | 0.64% | 0.62% | -0.02% |
| Bharti Airtel Ltd. | 1.86% | 1.88% | +0.02% |
| Piramal Finance Ltd. | 1.05% | 1.06% | +0.01% |
| TVS Motor Company Ltd. | 1.46% | 1.45% | -0.01% |
| Symbiotec Pharmalab Ltd. | 0.01% | 0.00% | -0.01% |
| company:20133 | 0.01% | 0.00% | -0.01% |
| Persistent Systems Ltd. | 1.13% | 1.12% | -0.01% |
| Hindustan Petroleum Corporation Ltd. | 1.36% | 1.36% | 0.00% |
| NHPC Ltd. | 0.85% | 0.85% | 0.00% |
| Ultratech Cement Ltd. | 0.99% | 0.99% | 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 | ₹886 Cr | 2.42% | 5.4% | 6.0% | 9.7% |
 Tata Retirement Savings Moderate Fund | ₹2,115 Cr | 2.16% | 8.2% | 6.6% | 10.0% |
 ICICI Prudential Retirement Fund - Hybrid Aggressive Plan | ₹1,268 Cr | 2.45% | 0.6% | 7.3% | 12.8% |
 Axis Retirement Fund - Aggressive Plan | ₹666 Cr | 2.49% | 5.7% | 4.6% | 8.0% |
| Axis Retirement Fund - Dynamic Plan | ₹269 Cr | 2.56% | 6.7% | 4.9% | 8.6% |
 Aditya Birla Sun Life Retirement Fund - The 40s Plan | ₹110 Cr | 2.42% | 6.0% | 6.4% | 9.1% |
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 months2.34% absolute | ₹60,000 | ₹61,404 | 2.34% | |
| 1 year2.38% annualised | ₹1,20,000 | ₹1,21,558 | 1.30% |
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 ₹11.69 as on 6 Nov 2026.
What is the expense ratio of Baroda BNP Paribas Retirement Fund?
The expense ratio of Baroda BNP Paribas Retirement Fund is 2.55% 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 ₹55,028 Cr under management.