Sharpe ratio
0.27Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.78%1Y Absolute Return
-0.24%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Baroda BNP Paribas Retirement Fund - Direct plan - Growth optionFund 1Y annualised return · 5Y history unavailable | ₹8,21,523 | ₹7,32,612 | ₹88,911 | +4.78% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age2.5 yrs
Fund information
Scheme code152628
ISININF251K01TJ0
BenchmarkCRISIL Hybrid 35+65 Aggressive Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.25%
Exit loadNil
Minimum SIP₹250 SIP
Return comparison
11th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +110.86% | — | — |
| 3M | +3.67% | — | — |
| 6M | +16.61% | — | — |
| 1Y | +4.78% | — | +1.16% |
| Since Launch | +9.07% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.37Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
11.61%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.73How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity71.73%
Debt27.97%
Cash0.30%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 61 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 18.57% |
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 4.05% |
| HDFC Bank Ltd | Financial | Equity | 3.03% |
| Larsen & Toubro Ltd | Industrials | Equity | 2.88% |
| ICICI Bank Ltd | Financial | Equity | 2.78% |
| State Bank of India | Financial | Equity | 2.34% |
| Others CBLO | Unspecified | CBLO | 2.03% |
| Axis Bank Ltd | Financial | Equity | 1.96% |
| Bharti Airtel Ltd | Technology | Equity | 1.94% |
| Bharat Heavy Electricals Ltd | Industrials | Equity | 1.91% |
Fund management
GU
Gurvinder Singh Wasan
Since 2024 · Prior to joining Baroda BNP Paribas Mutual Fund, he has worked with JM Mutual, Principal Mutual Fund, Crisil Ltd. and ICICI Bank Ltd.
Mr. Wasan is a Chartered Accountant, CFA and Master of Commerce from Mumbai University.
YA
Yash Mehta
Since 2026 · Prior to joining the Baroda BNP Paribas MF, he was associated with stematix Shares and Stocks (India) Ltd.
CA, B.com
SI
Silky Jain
Since 2026 · Prior to joining Baroda BNP Paribas AMC, she has worked with Canara Robeco Asset Management Company Ltd and Nirmal Bang Securities Pvt Ltd.
Ms. Jain is a MS (Finance), M.Com
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk solution oriented scheme - retirement fund. Losses and swings stayed contained — worst fall -12.4%, volatility 11.6%.
Strengths
- Losses and swings stayed contained — worst fall -12.4%, volatility 11.6%.
- Recovered from its worst fall in 4 months.
- Well spread out — top 10 holdings are only 22% of the portfolio.
- Ranks 11 of 106 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 3+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 11.6% volatility.
Risk drivers
- None