HealthyDirect · GrowthFit for a long SIP
BARODA BNP PARIBAS GILT FUND
Baroda BNP Paribas Mutual FundIncome/Debt Oriented Schemes - Gilt Fund13.8 years
The scheme aims to generate income by investing in a portfolio of government securities. The corpus will be invested in sovereign securities issued by Central and State governments.
- NAV
- 48.0171
- 29 Oct 2026
- 1Y
- +1.8%
- Trailing CAGR
- AUM
- ₹515.35 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.6% 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 · Three-year return is above the category median.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.17% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -6.7%. Ask whether you can hold through a similar fall.
Vs category
Fail
32% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Vikram Pamnani · 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
Watch
Top 10 holdings ≈ 93.4% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+1.8%
- 3Y+6.5%
- 5Y+5.5%
- 10Y+6.2%
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.9%
- 3Y+4.4%
- 5Y+5.6%
- 10Y+6.0%
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- +0.8%
- Category median, same plan and option
- 3Y win rate
- +32%
- Windows beating the median
- 3Y percentile
- 90
- Vs comparable share classes
- SIP 3Y XIRR
- +4.4%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.8%
- 2620 daily-ending windows
- Median rolling 3Y
- +7.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2137 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -6.7%
- Worst peak-to-trough
- Current
- -1.6%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +77%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 249 recovered episodes
- Longest recovery
- 182 days
- Trough to prior peak
17 Jun 2013 – 15 Jan 2014
Trough 19 Aug 2013 · recovered in 149 days
-6.7%
24 Nov 2016 – 14 Jun 2017
Trough 10 Mar 2017 · recovered in 96 days
-4.8%
5 Apr 2018 – 29 Oct 2018
Trough 7 Jun 2018 · recovered in 144 days
-3.8%
6 Sept 2017 – 27 Mar 2018
Trough 22 Feb 2018 · recovered in 33 days
-3.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
90
Vs category
55
Consistency
39
Risk-adjusted
46
Drawdown
83
Mean
63
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
- Three-year return is above the category median.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 14 holdings · top 10 are 93.4%.
- Top 5
- 69.7%
- Top 10
- 93.4%
- Largest holding
- 20.3%
- Effective holdings
- 8.2
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
20.3%
GOVERNMENT OF INDIA 37630 182 DAYS TBILL 31DC26 FV RS 100
Financial
19.1%
GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100
Entities
11.1%
GOVERNMENT OF INDIA 37693 091 DAYS TBILL 22OT26 FV RS 100
Financial
9.7%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
9.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Edelweiss Gilt Fund
Edelweiss Mutual Fund
- 1Y
- +0.5%
- 3Y
- +5.8%
- Vol
- 3.1%
- Max DD
- -3.3%
- Sharpe
- 0.28
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Axis Gilt Fund
Axis Mutual Fund
- 1Y
- +2.8%
- 3Y
- +6.9%
- Vol
- 4.1%
- Max DD
- -11.1%
- Sharpe
- 0.37
- 3Y win
- +61%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
LIC MF Gilt Fund
LIC Mutual Fund
- 1Y
- +1.7%
- 3Y
- +5.4%
- Vol
- 3.6%
- Max DD
- -7.4%
- Sharpe
- 0.33
- 3Y win
- +43%
- Lower volatility
- Higher win rate vs category
Caveat: Deeper drawdown · Higher TER · Lower trailing returns
Groww Gilt Fund
Groww Mutual Fund
- 1Y
- +1.1%
- 3Y
- n/a
- Vol
- 3.3%
- Max DD
- -3.9%
- Sharpe
- -1.80
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
HSBC Gilt Fund
HSBC Mutual Fund
- 1Y
- +1.2%
- 3Y
- +5.8%
- Vol
- 2.8%
- Max DD
- -3.6%
- Sharpe
- -0.06
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns