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Best Baroda Pioneer Debt Mutual Funds

Baroda Mutual Fund is a wholly-owned subsidiary of the Bank of Baroda. It serves the asset management needs of investors through a range of equity, debt, and money market products. Per the latest figures, this AMC has nearly Rs.10000 crore in assets under management. 

Baroda Mutual Fund offers over 19 mutual fund schemes, including equity, hybrid, liquid, and the best Baroda debt mutual funds. 

A debt fund predominantly invests in fixed-income instruments that offer moderate capital appreciation. It includes treasury bills, corporate bonds, gilt funds, liquid funds, corporate debt securities, government bonds, and other money market instruments. These instruments are not affected by fluctuations in the market and are, therefore, considered low-risk investments. 

Baroda Mutual Fund offers more than 5 different debt mutual fund schemes to choose from.

Debt funds have relatively stable returns, high liquidity, reasonable levels of safety, and low-cost structures. They usually work best for investors looking for regular income but are risk-averse. The best Baroda debt mutual funds are less volatile and risky than equity funds but offer lower returns in the long run. They provide better returns compared to traditional fixed-income sources like FD and RD, though they are riskier. 

Debt funds come in various types, depending on their asset allocation, risks, and maturity period of underlying securities. There are overnight, liquid, ultra-short, short, low, medium-long, and long duration funds based on the maturity period. The funds with a shorter duration have the lowest risk profiles, while the longer ones usually offer better returns. 

Other types to consider from the best Baroda debt mutual funds include money market, corporate, gilt funds, and fixed maturity plans. These invest in different assets like money market instruments, corporate bonds, government securities, and fixed-income securities. Credit risk funds invest in bonds of issuers with a poor credit rating. As the name suggests, they involve significant default risks, but they also offer better returns than most other fund types.  

Taxability

Taxability is another major factor to consider before deciding on the top Baroda debt mutual funds. The capital gains from debt funds are taxable at a rate based on the holding period. 

Long-term Capital Gains Tax: LTGC applies to gains realised from selling units of a debt MF after three years. These are taxed at a fixed 20% rate after indexation. 

Short-term Capital Gains Tax: Proceeds realised from liquidating investments before the 3 year-mark are categorised as short-term capital gains. These are added to an investor’s overall income and taxed per the appropriate tax bracket. 

TDS: TDS is not applicable to debt funds.

Factors to Consider Before Investing

Before choosing the best Baroda debt mutual fund, it’s imperative to consider some essential points. These include:

Returns: A debt fund gains income from its bond holdings or a change in NAV because of a shift in bond prices and interest rates. The type of securities held by a fund highly influences the interest and capital gains from it. Funds with long-term bonds show a higher increase in Net Asset Value when the market interest rates fall compared to short-term bonds. On the other hand, debt MF schemes with investments in short-term bonds manifest limited losses when interest rates rise. 

Risks: Debt funds carry the least risks among all mutual fund types. However, even the best Baroda debt mutual funds are market-linked products and have no guaranteed returns. Credit risks can happen due to the possibility of default on payments by bond issuers. The type of fund influences the chances of value erosion. Interest rate risks are more common and depend on market interest rates, which are out of a fund manager’s control. 

Financial goals: Different financial requirements influence the type of debt fund an investor may choose. For instance, liquid funds are an effective solution for short-term requirements. Those who need to access their funds frequently can opt for funds with a shorter duration, while long duration funds may favour a mid to long-term horizon. 

Maturity period: The average maturity period of a debt fund’s constituents greatly affects its returns. The lower this period is, the lower is its volatility and returns. Short-term bonds with a tenure of three to six months have high liquidity and offer more stable returns. Those with investments in securities featuring a longer Macaulay duration offer better returns against significant risks. Hence, this is an essential consideration when selecting the best Baroda debt mutual funds.

Costs: AMCs charge a fee for annual maintenance, allocation charges, commissions, etc., called the expense ratio. A lower expense ratio usually hints at improved chances of realising greater returns. Conversely, a higher expense ratio means a more significant deduction from the generated returns. Hence, when comparing Baroda debt mutual funds, consider their expense ratios alongside other factors. 

Conducting proper research on the above factors will make it easy for investors to choose from the best Baroda debt mutual funds 2021.

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List of Baroda Pioneer Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Baroda Multi Cap FundEquityVery High44.2%0₹1,182
Baroda Short Term Bond Direct FundDebtModerate4.7%3₹255
Baroda Liquid Direct FundDebtLow to Moderate3.5%3₹5,176
Baroda Hybrid Equity FundHybridVery High27.1%3₹402
Baroda Credit Risk FundDebtModerate19.9%4₹207
Baroda Treasury Advantage Direct FundDebtLow to Moderate4.2%1₹26
Baroda Banking and Financial Services FundEquityVery High10.3%2₹50
Baroda Equity Linked Saving Scheme 96 FundEquityVery High35.2%3₹217
Baroda Midcap Direct FundEquityVery High53.5%4₹95
Baroda Large Cap Direct FundEquityVery High20.3%3₹51
Baroda Conservative Hybrid FundHybridModerately High5.7%4₹34
Baroda Gilt FundDebtModerate2.6%3₹29
Baroda Dynamic Bond FundDebtModerate2.6%1₹19
Baroda Equity Savings FundHybridModerately High8.0%0₹400
Baroda Business Cycle FundEquityVery HighN.A₹1,082
View All

Let's have a closer look

Now let us jump and check about these top 10 mutual fund schemes.

Baroda Multi Cap Fund Direct Growth

Fund Performance: The Baroda Multi Cap Fund has given 25.46% annualized returns in the past three years and 18.58% in the last 5 years. The Baroda Multi Cap Fund belongs to the Equity category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Multi Cap Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹1,182Cr
1Y Returns44.2%

Baroda Short Term Bond Direct Fund Growth

Fund Performance: The Baroda Short Term Bond Direct Fund has given 7.33% annualized returns in the past three years and 7.56% in the last 5 years. The Baroda Short Term Bond Direct Fund belongs to the Debt category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Short Term Bond Direct Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹255Cr
1Y Returns4.7%

Baroda Liquid Direct Fund Growth

Fund Performance: The Baroda Liquid Direct Fund has given 4.7% annualized returns in the past three years and 5.7% in the last 5 years. The Baroda Liquid Direct Fund belongs to the Debt category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Liquid Direct Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹5,176Cr
1Y Returns3.5%

Baroda Hybrid Equity Fund Direct Plan Growth

Fund Performance: The Baroda Hybrid Equity Fund has given 17.58% annualized returns in the past three years and 14.31% in the last 5 years. The Baroda Hybrid Equity Fund belongs to the Hybrid category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Hybrid Equity Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹402Cr
1Y Returns27.1%

Baroda Credit Risk Fund Plan B Direct Growth

Fund Performance: The Baroda Credit Risk Fund has given 8.45% annualized returns in the past three years and 8.24% in the last 5 years. The Baroda Credit Risk Fund belongs to the Debt category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Credit Risk Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹207Cr
1Y Returns19.9%

Baroda Treasury Advantage Direct Fund Growth

Fund Performance: The Baroda Treasury Advantage Direct Fund has given -9.11% annualized returns in the past three years and -2.84% in the last 5 years. The Baroda Treasury Advantage Direct Fund belongs to the Debt category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Treasury Advantage Direct Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹26Cr
1Y Returns4.2%

Baroda Banking and Financial Services Direct Growth

Fund Performance: The Baroda Banking and Financial Services Fund has given 12.12% annualized returns in the past three years and 12.9% in the last 5 years. The Baroda Banking and Financial Services Fund belongs to the Equity category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Banking and Financial Services Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹50Cr
1Y Returns10.3%

Baroda Equity Linked Saving Scheme 96 Direct Growth

Fund Performance: The Baroda Equity Linked Saving Scheme 96 Fund has given 21.44% annualized returns in the past three years and 15.51% in the last 5 years. The Baroda Equity Linked Saving Scheme 96 Fund belongs to the Equity category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Equity Linked Saving Scheme 96 Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹217Cr
1Y Returns35.2%

Baroda Midcap Direct Fund Growth

Fund Performance: The Baroda Midcap Direct Fund has given 28.79% annualized returns in the past three years and 20.11% in the last 5 years. The Baroda Midcap Direct Fund belongs to the Equity category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Midcap Direct Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹95Cr
1Y Returns53.5%

Baroda Large Cap Direct Fund Growth

Fund Performance: The Baroda Large Cap Direct Fund has given 17.96% annualized returns in the past three years and 14.08% in the last 5 years. The Baroda Large Cap Direct Fund belongs to the Equity category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Large Cap Direct Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹51Cr
1Y Returns20.3%

Baroda Conservative Hybrid Fund Direct Growth

Fund Performance: The Baroda Conservative Hybrid Fund has given 11.02% annualized returns in the past three years and 8.83% in the last 5 years. The Baroda Conservative Hybrid Fund belongs to the Hybrid category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Conservative Hybrid Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹34Cr
1Y Returns5.7%

Baroda Gilt Direct Growth

Fund Performance: The Baroda Gilt Fund has given 7.81% annualized returns in the past three years and 6.3% in the last 5 years. The Baroda Gilt Fund belongs to the Debt category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Gilt Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹29Cr
1Y Returns2.6%

Baroda Dynamic Bond Direct Growth

Fund Performance: The Baroda Dynamic Bond Fund has given 3.33% annualized returns in the past three years and 4.39% in the last 5 years. The Baroda Dynamic Bond Fund belongs to the Debt category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Dynamic Bond Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹19Cr
1Y Returns2.6%

Baroda Equity Savings Fund Direct Growth

Fund Performance: The Baroda Equity Savings Fund belongs to the Hybrid category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Equity Savings Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹400Cr
1Y Returns8.0%

Baroda Business Cycle Fund Direct Growth

Fund Performance: The Baroda Business Cycle Fund belongs to the Equity category of Baroda Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda Business Cycle Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹1,082Cr
1Y ReturnsNA

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