HealthyDirect · GrowthFit for a long SIP
Baroda BNP Paribas Balanced Advantage Fund
Baroda BNP Paribas Mutual FundHybrid Schemes - Balanced Advantage Fund/ Dynamic Asset Allocation7.9 years
The scheme seeks to generate capital appreciation by investing in a portfolio of equity or equity linked securities while the secondary objective is to generate income through investments in debt and money market instruments. It also aims to manage risk through active asset allocation.
- NAV
- 27.3757
- 29 Oct 2026
- 1Y
- -0.5%
- Trailing CAGR
- AUM
- ₹5,162.17 Cr
- 30 Sept 2026
- Volatility
- Medium
- 10.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 99% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
7.9 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.92% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -20.7%. Ask whether you can hold through a similar fall.
Vs category
Pass
99% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Prashant R Pimple · 0.1 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 27.4% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 21%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-0.5%
- 3Y+11.6%
- 5Y+10.0%
- 10Yn/a
- SI+13.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-1.4%
- 3Y+5.4%
- 5Y+9.7%
- 10Yn/a
- Since inception
- +13.5%
- Calendar-day CAGR
- Excess 1Y
- +2.4%
- Category median, same plan and option
- 3Y win rate
- +99%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +5.4%
- Simulated monthly SIP
- Worst rolling 3Y
- +10.5%
- 1220 daily-ending windows
- Median rolling 3Y
- +15.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 726 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -20.7%
- Worst peak-to-trough
- Current
- -6.1%
- Below last peak
- Current spell
- 65 days
- Days below latest peak
- Time below peak
- +80%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 144 recovered episodes
- Longest recovery
- 105 days
- Trough to prior peak
19 Feb 2020 – 6 Jul 2020
Trough 23 Mar 2020 · recovered in 105 days
-20.7%
14 Jan 2022 – 5 Sept 2022
Trough 20 Jun 2022 · recovered in 77 days
-11.9%
10 Dec 2024 – 29 May 2025
Trough 3 Mar 2025 · recovered in 87 days
-11.5%
11 Feb 2026 – 6 May 2026
Trough 30 Mar 2026 · recovered in 37 days
-9.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
65
Consistency
94
Risk-adjusted
60
Drawdown
48
Mean
73
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 99% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 109 holdings · top 10 are 27.4%.
- Top 5
- 17.1%
- Top 10
- 27.4%
- Largest holding
- 6.2%
- Effective holdings
- 57.2
Others CBLO
Unspecified
6.2%
HDFC Bank Ltd
Financial
3.1%
Reliance Industries Ltd
Energy & Utilities
2.9%
Larsen & Toubro Ltd
Industrials
2.6%
Bharti Airtel Ltd
Technology
2.3%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
WhiteOak Capital Balanced Advantage Fund
WhiteOak Capital Mutual Fund
- 1Y
- -0.9%
- 3Y
- +11.4%
- Vol
- 7.9%
- Max DD
- -9.6%
- Sharpe
- 0.77
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Mahindra Manulife Balanced Advantage Fund
Mahindra Manulife Mutual Fund
- 1Y
- -0.8%
- 3Y
- +11.0%
- Vol
- 9.5%
- Max DD
- -9.8%
- Sharpe
- 0.43
- 3Y win
- +93%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Shriram Balanced Advantage Fund
Shriram Mutual Fund
- 1Y
- -5.3%
- 3Y
- +6.0%
- Vol
- 9.2%
- Max DD
- -14.6%
- Sharpe
- 0.32
- 3Y win
- +15%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
UTI Balanced Advantage Fund
UTI Mutual Fund
- 1Y
- -4.8%
- 3Y
- +8.5%
- Vol
- 7.7%
- Max DD
- -10.5%
- Sharpe
- 0.31
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Axis Balanced Advantage Fund
Axis Mutual Fund
- 1Y
- -1.9%
- 3Y
- +11.5%
- Vol
- 8.2%
- Max DD
- -17.2%
- Sharpe
- 0.47
- 3Y win
- +47%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns