Baroda BNP Paribas Retirement Fund

Q: What are the returns of this mutual fund scheme?

The Baroda BNP Paribas Retirement Fund is a 1 yrs 5 m old fund and has delivered average annual returns of 10.07% since inception. Baroda BNP Paribas Retirement Fund Returns 1-Year Since Inception 6.76% 10.07%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹11.4616+0.48% 1 day change	10.07% p.a.	App exclusive #NA View Ranked Funds	₹376 Cr

Historical NAV & returns

NAV: ₹11.4616 as on Oct 20, 2025

This fund Category average

Baroda BNP Paribas Retirement Fund overview

AUM (Fund size)	₹376 Cr
Exit load	0%
Lock-in Period	5 Years
Age	1 yrs 5 m since May 08, 2024
Benchmark	CRISIL Hybrid 35+65 Aggressive Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.41% as on Sep 30, 2025
Plan type	Regular
Risk	Very High

Baroda BNP Paribas Retirement Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 24, 2025

Period	This fund	Category average
1 Month	3.01%	1.83%
3 Months	2.97%	1.79%
6 Months	7.71%	5.5%
1 Year	6.76%	5.69%

Asset allocationas on Sep 30, 2025

Large Cap 47.54%

Mid Cap 17.3%

Small Cap 7.97%

Other Cap 0%

Top holdings

HDFC Bank Ltd.5.56%

ICICI Bank Ltd.3.77%

Reliance Industries Ltd.2.97%

Larsen & Toubro Ltd.2.31%

Top sectors

Financial 20.759999999999998%

Services 12.98%

Healthcare 5.72%

Technology 5.619999999999999%

SOV 18.52%

AAA 2.67%

Cash & Call Money 1.97%

AA 1.13%

Top Debt Holdings

GOI 18.52%

Others 1.55%

Jamnagar Utilities and Power Pvt. Ltd. 1.36%

NTPC Ltd. 1.31%

Allocation by Instruments

GOI Securities 18.52%

Infrastructure Investment Trust 2.9%

Debenture 2.49%

CBLO 1.55%

Other Holdings

Anzen India Energy Yield Plus Trust 2.9%

Others 0.42%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Baroda BNP Paribas Retirement Fund	3.01%	7.71%	6.76%	N.A.	N.A.	N.A.
UTI Retirement Fund	1.41%	3.34%	5.35%	12.38%	13.52%	9.41%
HDFC Retirement Savings Fund - Hybrid Equity Plan	1.91%	6.25%	4.56%	15.45%	17.66%	14.69%
HDFC Retirement Savings Fund - Hybrid Debt Plan	1.06%	2.73%	4.93%	9.15%	8.53%	8.1%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	0.96%	5.73%	7.98%	11.08%	9.04%	5.85%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	2.36%	13.92%	11.23%	21.04%	20.84%	10.37%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Baroda BNP Paribas Retirement Fund	N.A.	N.A.	N.A.	N.A.
UTI Retirement Fund	5.64	0.62	0.96	1.44
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.61	0.77	0.95	1.46
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.48	0.88	0.68	1.11
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.23	1.02	0.94	1.35
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.57	1.1	1.02	1.55

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Baroda BNP Paribas Retirement Fund	N.A.	376 Cr	1 yrs 5 m	2.41%
UTI Retirement Fund	N.A.	4,659 Cr	30 yrs 10 m	1.65%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,681 Cr	9 yrs 8 m	2.07%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	160 Cr	9 yrs 8 m	2.14%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	83 Cr	6 yrs 8 m	2.12%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	937 Cr	6 yrs 8 m	2.19%

View all Retirement Solutions funds

Key risk & return ratios Compared to other funds in the category

Risk ratios are based on three-year data. The required data is unavailable for the scheme.

Compare Baroda BNP Paribas Retirement Fund in detail with

About this fund

About Baroda BNP Paribas Retirement Fund

Baroda BNP Paribas Retirement Fund is a Retirement Solutions mutual fund scheme from Baroda Bnp Paribas Mutual Fund. This fund has been in existence for 1 yrs 5 m, having been launched on 08/05/2024. Baroda BNP Paribas Retirement Fund has ₹376 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Baroda BNP Paribas Retirement Fund as of 20/10/2025 is ₹11.46. The fund has an expense ratio of 2.41%, which is higher than what most other Retirement Solutions funds charge. Currently, the fund has a 72.81% allocation to equity and 23.87% to Debt.

Baroda BNP Paribas Retirement Fund returns of last 1-year are 3.82%. Since launch, it has delivered 10.26% average annual returns.
The fund's equity portion is primarily invested in Financial, Services, Healthcare, Technology, Capital Goods sectors. It has taken less exposure in Financial, Services sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in GOI, HDFC Bank Ltd., ICICI Bank Ltd., Reliance Industries Ltd., Anzen India Energy Yield Plus Trust.

...

Fund AUM	376 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Pratish Krishnan

Mr. Krishnan has done MMS in Finance Prior to joining Baroda BNP Paribas Mutual Fund he has worked with Antique Stock Broking as Sr Analyst- IT, Telecom & Media, DSP Merrill Lynch as Vice President- Research, SBI Capital Markets as Sr. research Analyst, Cholamandalam DBS Finance LTD as Research Analyst.

Gurvinder Singh Wasan

Mr. Wasan is a Chartered Accountant, CFA and Master of Commerce from Mumbai University. Prior to joining Baroda BNP Paribas Mutual Fund, he has worked with JM Mutual, Principal Mutual Fund, Crisil Ltd. and ICICI Bank Ltd.

Ankeet Pandya

MBA Finance Prior to joining Baroda BNP Paribas Mutual Fund, he was working with InCred Asset management Private Ltd, Motilal Oswal Securities Ltd and Elara Capital India Private Ltd.

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.

Baroda BNP Paribas Mutual Fund details

No. of schemes	41 view all schemes
Total AUM	50,753 Cr as on Sep 30, 2025
Address	BNP Paribas House, 7th Floor, G-Block, Bandra Kurla Complex, Bandra Mumbai, 400051
Phone	022-33704000

More funds from Baroda BNP Paribas Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Baroda BNP Paribas Aggressive Hybrid Fund	N.A.	1,228 Cr	2.97%	16.52%
Baroda BNP Paribas Balanced Advantage Fund	N.A.	4,362 Cr	7.95%	14.29%
Baroda BNP Paribas Multi Asset Fund	N.A.	1,204 Cr	9.28%	N.A.
Baroda BNP Paribas Equity Savings Fund	N.A.	265 Cr	6.91%	8.55%
Baroda BNP Paribas Conservative Hybrid Fund	N.A.	812 Cr	6.28%	7.76%
Baroda BNP Paribas Arbitrage Fund	N.A.	1,269 Cr	6.01%	5.54%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Baroda BNP Paribas Retirement Fund?

The current Net Asset Value (NAV) of the Baroda BNP Paribas Retirement Fund plan is approximately ₹11.4616 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Baroda BNP Paribas Retirement Fund is a 1 yrs 5 m old fund and has delivered average annual returns of 10.07% since inception.

Baroda BNP Paribas Retirement Fund Returns

1-Year	Since Inception
6.76%	10.07%

How much does this mutual fund charge as expense ratio?

The Baroda BNP Paribas Retirement Fund has an expense ratio of 2.41%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Baroda BNP Paribas Retirement Fund currently has assets under management (AUM) or fund size valued at approximately 376 Cr as on Sep 30, 2025.

What are the top stock holdings of Baroda BNP Paribas Retirement Fund?

The Baroda BNP Paribas Retirement Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	5.56%
ICICI Bank Ltd.	3.77%
Reliance Industries Ltd.	2.97%
Larsen & Toubro Ltd.	2.31%
Eternal Ltd.	2.29%
Infosys Ltd.	2.17%
Bharti Airtel Ltd.	2.07%
Travel Food Services Ltd.	1.94%
Interglobe Aviation Ltd.	1.86%
Britannia Industries Ltd.	1.81%

What are the top sectors Baroda BNP Paribas Retirement Fund has invested in?

The Baroda BNP Paribas Retirement Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	20.759999999999998%
Services	12.98%
Healthcare	5.72%
Technology	5.619999999999999%
Capital Goods	5.4%
Energy	4.15%
Automobile	3.7499999999999996%
Consumer Staples	3.24%
Materials	2.46%
Construction	2.31%

To whom does Baroda BNP Paribas Retirement Fund lend to?

The top 3 debt holdings of Baroda BNP Paribas Retirement Fund are as follows

Holding Name	Percentage of Portfolio
GOI	18.52%
Others	1.55%
Jamnagar Utilities and Power Pvt. Ltd.	1.36%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Baroda BNP Paribas Retirement Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	18.52%
AAA	2.67%
Cash & Call Money	1.97%

What is risk level of Baroda BNP Paribas Retirement Fund?

This is a Retirement Solutions fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 5 years.

How can I redeem my investments in Baroda BNP Paribas Retirement Fund?

Redeeming your investments in the Baroda BNP Paribas Retirement Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.