HealthyDirect · GrowthFit for a long SIP
Baroda BNP Paribas Retirement Fund
Baroda BNP Paribas Mutual FundSolution Oriented Schemes ** - Retirement Fund2.4 years
- NAV
- 11.5728
- 29 Oct 2026
- 1Y
- -1.6%
- Trailing CAGR
- AUM
- ₹387.15 Cr
- 30 Sept 2026
- Volatility
- Medium
- 11.3% 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 100% of rolling 1-year windows.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Fail
2.4 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.16% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -12.4%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
n/a
Manager not listed.
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 ≈ 42.2% 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-1.6%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+6.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-1.4%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +6.3%
- Calendar-day CAGR
- Excess 1Y
- +4.4%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -12.4%
- Worst peak-to-trough
- Current
- -5.8%
- Below last peak
- Current spell
- 78 days
- Days below latest peak
- Time below peak
- +89%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 30 recovered episodes
- Longest recovery
- 117 days
- Trough to prior peak
26 Sept 2024 – 25 Jun 2025
Trough 28 Feb 2025 · recovered in 117 days
-12.4%
2 Jan 2026 – 10 Jul 2026
Trough 30 Mar 2026 · recovered in 102 days
-11.0%
12 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-7.8%
3 Jun 2024 – 11 Jun 2024
Trough 4 Jun 2024 · recovered in 7 days
-4.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
19
Vs category
77
Consistency
100
Risk-adjusted
29
Drawdown
69
Mean
59
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 100% of rolling 1-year windows.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 60 holdings · top 10 are 42.2%.
- Top 5
- 31.1%
- Top 10
- 42.2%
- Largest holding
- 18.3%
- Effective holdings
- 21.1
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
18.3%
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
4.0%
Others CBLO
Unspecified
3.5%
ICICI Bank Ltd
Financial
2.7%
Larsen & Toubro Ltd
Industrials
2.7%
What changed
DECISION
Status moved from MONITOR to HEALTHY.
9 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
9 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HDFC Retirement Fund - Hybrid-Debt Plan
HDFC Mutual Fund
- 1Y
- -1.3%
- 3Y
- +6.6%
- Vol
- 3.5%
- Max DD
- -7.8%
- Sharpe
- 0.80
- 3Y win
- +10%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
HDFC Retirement Fund - Hybrid-Equity Plan
HDFC Mutual Fund
- 1Y
- -8.6%
- 3Y
- +7.4%
- Vol
- 10.8%
- Max DD
- -27.5%
- Sharpe
- 0.76
- 3Y win
- +84%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Axis Retirement Fund - Conservative Plan
Axis Mutual Fund
- 1Y
- -3.4%
- 3Y
- +7.1%
- Vol
- 6.4%
- Max DD
- -12.7%
- Sharpe
- 0.38
- 3Y win
- 0%
- Lower volatility
- Higher trailing returns
Caveat: Deeper drawdown · Higher TER
HDFC Retirement Fund - Equity Plan
HDFC Mutual Fund
- 1Y
- -9.7%
- 3Y
- +9.4%
- Vol
- 14.0%
- Max DD
- -34.9%
- Sharpe
- 0.80
- 3Y win
- +86%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Axis Retirement Fund - Aggressive Plan
Axis Mutual Fund
- 1Y
- -5.6%
- 3Y
- +10.8%
- Vol
- 12.7%
- Max DD
- -25.9%
- Sharpe
- 0.38
- 3Y win
- +26%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER