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Best Baroda Pioneer Equity Mutual Funds

The Baroda Asset Management India Limited is a fully-owned subsidiary of the state-run Bank of Baroda with Baroda Trustee Private Limited as its trustee. It offers a broad range of money market, debt, and equity instruments. The current mutual fund offerings of this AMC feature more than 15 schemes, spread across equity, hybrid, and debt categories, which includes the best Baroda equity mutual funds.

Equity mutual funds are a category of mutual funds that invest a minimum of 65% of their corpus in stocks. The remaining asset portion of 35% might be invested in money-market or debt instruments. Apart from being primarily divided as active or passive, equity mutual funds can be segregated based on various categories. For instance, they can be divided according to market capitalisation, or they can also be classified as sectoral or diversified.

In an active equity fund, a fund manager conducts a market scan, researches companies, assesses performance, and searches for the best stocks for investing. A fund manager constructs a portfolio that reflects a well-known market index like Nifty Fifty or Sensex in a passive equity fund.

Premised on market capitalisation, equity mutual funds are of four types – small-cap, mid-cap, large-cap, and multi-cap. Small-cap funds invest primarily in small-cap companies, mid-cap funds in mid-cap organisations, and so on. 

Based on sectoral diversification, there are two types, namely, diversified and thematic funds. The latter involves investments in a particular theme or sector, like infrastructure, pharma, infotech, etc. The former type of equity mutual fund invests across different sectors. 

Another type of equity MF is ELSS, which facilitates tax-saving under Section 80C. It is one of the only mutual funds with a lock-in period of 3 years. That means investors cannot redeem their investments prior to this period. 

Since a high amount of risk accompanies these mutual funds, they are capable of offering high returns compared to hybrid and debt funds. Primarily, the benefit of investing in the best Baroda equity mutual funds 2022 is that an investor need not be concerned about selecting shares or stocks to invest in as the fund manager takes care of that.

There are over 8 top Baroda equity mutual funds featured in AMC's current offerings, comprising mid-cap, ELSS, multi-cap, and thematic schemes.

Taxability

In addition to being familiar with the best Baroda equity mutual funds, it is highly necessary to understand the taxability involved in these funds.

Long-term Capital Gains Tax: The investor earns long-term capital gains when selling their equity fund units after a holding period of 12 months or more. Tax exemption is allowed on these capital gains up to a limit of Rs.1 lakh in a year. If the long-term capital gains exceed this limit, an LTCG tax is levied at 10% on the excess sum. 

Short-term Capital Gains Tax: When redeeming equity fund units within a period of 12 months, investors earn short-term gains. Irrespective of the amount, these gains attract taxes at a 15% rate.

TDS: As per section 194K, TDS at a rate of 10% won’t be deducted if the investor’s dividend income is within Rs.5000 for a given financial year.

Factors to Consider Before Investing

Other than the taxation on the best Baroda equity mutual funds, there are some other factors that investors must consider.

Investment objective: Every scheme has a unique objective, which can be aggressive wealth appreciation, steady capital growth, etc. Investors may want to check an equity MF’s objective when shortlisting potential schemes. It’d help them select a plan that accords with their investment outlook and horizon.  

Risk appetite: An equity mutual fund comes with a substantial amount of risk. Investors must be aware of their risk appetite to select the best Baroda equity mutual fund. Risk tolerance is a highly subjective issue, and the financial situation of an individual is a key consideration in this regard.

Experience of the fund manager: The performance of an investor’s fund depends a lot on the competence of its manager. That is why most experienced investors put significant emphasis on a fund manager and their team. Fund managers are differentiated based on several factors—ability to identify scripts, experience level, qualifications, etc.

Past performance of the fund: Though the past performance of a particular fund does not indicate probable returns, it can help depict its robustness under varying market conditions. The past returns of a specific scheme can be used for judging its quality and ability to stick to the pre-set objective. 

Expense ratio: The expense ratio defines the fee an AMC charges for managing a scheme. It includes the fees for recording keeping and the salary of a fund manager. In the long run, a scheme having a low expense ratio has the potential of translating to greater returns.

Among the best Baroda equity mutual funds, choosing one can prove to be a daunting task for first-time investors. However, this article, along with a basic understanding of mutual funds, can prove to be highly helpful.

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List of Baroda Pioneer Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Baroda BNP Paribas Aggressive Hybrid FundHybridVery High3.5%5₹764
Baroda BNP Paribas Arbitrage FundHybridLow4.2%4₹621
Baroda BNP Paribas Multi Cap FundEquityVery High10.7%5₹1,672
Baroda BNP Paribas Short Duration Direct FundDebtModerate2.5%3₹402
Baroda BNP Paribas Liquid Direct FundDebtModerate3.6%4₹6,968
Baroda BNP Paribas India Consumption FundEquityVery High8.6%5₹881
Baroda BNP Paribas Midcap FundEquityVery High8.6%4₹1,190
Baroda BNP Paribas Large Cap FundEquityVery High5.9%5₹1,281
Baroda Hybrid Equity FundHybridVery High15.6%3₹374
Baroda BNP Paribas Credit Risk FundDebtModerately High13.1%5₹205
Baroda Treasury Advantage Direct FundDebtLow to Moderate4.0%1₹28
Baroda BNP Paribas Banking and Financial Services FundEquityVery High-3.9%2₹54
Baroda BNP Paribas Focused FundEquityVery High6.6%3₹223
Baroda BNP Paribas ELSS FundEquityVery High1.0%3₹692
Baroda BNP Paribas Low Duration FundDebtModerate3.3%3₹207
View All

Let's have a closer look

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

Baroda BNP Paribas Aggressive Hybrid Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Aggressive Hybrid Fund has given 14.57% annualized returns in the past three years and 12.78% in the last 5 years. The Baroda BNP Paribas Aggressive Hybrid Fund belongs to the Hybrid category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹764Cr
1Y Returns3.5%

Baroda BNP Paribas Arbitrage Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Arbitrage Fund has given 5.03% annualized returns in the past three years and 5.73% in the last 5 years. The Baroda BNP Paribas Arbitrage Fund belongs to the Hybrid category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹621Cr
1Y Returns4.2%

Baroda BNP Paribas Multi Cap Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Multi Cap Fund has given 15.99% annualized returns in the past three years and 11.54% in the last 5 years. The Baroda BNP Paribas Multi Cap Fund belongs to the Equity category of Baroda Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹1,672Cr
1Y Returns10.7%

Baroda BNP Paribas Short Duration Direct Fund Growth

Fund Performance: The Baroda BNP Paribas Short Duration Direct Fund has given 6.2% annualized returns in the past three years and 6.88% in the last 5 years. The Baroda BNP Paribas Short Duration Direct Fund belongs to the Debt category of Baroda Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹402Cr
1Y Returns2.5%

Baroda BNP Paribas Liquid Direct Fund Growth

Fund Performance: The Baroda BNP Paribas Liquid Direct Fund has given 4.28% annualized returns in the past three years and 5.48% in the last 5 years. The Baroda BNP Paribas Liquid Direct Fund belongs to the Debt category of Baroda Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹6,968Cr
1Y Returns3.6%

Baroda BNP Paribas India Consumption Fund Direct Growth

Fund Performance: The Baroda BNP Paribas India Consumption Fund belongs to the Equity category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹881Cr
1Y Returns8.6%

Baroda BNP Paribas Midcap Direct Growth

Fund Performance: The Baroda BNP Paribas Midcap Fund has given 19.51% annualized returns in the past three years and 12.83% in the last 5 years. The Baroda BNP Paribas Midcap Fund belongs to the Equity category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹1,190Cr
1Y Returns8.6%

Baroda BNP Paribas Large Cap Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Large Cap Fund has given 13.5% annualized returns in the past three years and 11.92% in the last 5 years. The Baroda BNP Paribas Large Cap Fund belongs to the Equity category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹1,281Cr
1Y Returns5.9%

Baroda Hybrid Equity Fund Direct Plan Growth

Fund Performance: The Baroda Hybrid Equity Fund has given 15.04% annualized returns in the past three years and 12.27% 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₹374Cr
1Y Returns15.6%

Baroda BNP Paribas Credit Risk Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Credit Risk Fund has given 8.09% annualized returns in the past three years and 7.7% in the last 5 years. The Baroda BNP Paribas Credit Risk Fund belongs to the Debt category of Baroda Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹205Cr
1Y Returns13.1%

Baroda Treasury Advantage Direct Fund Growth

Fund Performance: The Baroda Treasury Advantage Direct Fund has given -9.24% annualized returns in the past three years and -2.95% 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₹28Cr
1Y Returns4.0%

Baroda BNP Paribas Banking and Financial Services Direct Growth

Fund Performance: The Baroda BNP Paribas Banking and Financial Services Fund has given 3.58% annualized returns in the past three years and 6.76% in the last 5 years. The Baroda BNP Paribas 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 BNP Paribas Banking and Financial Services Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹54Cr
1Y Returns-3.9%

Baroda BNP Paribas Focused Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Focused Fund belongs to the Equity category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹223Cr
1Y Returns6.6%

Baroda BNP Paribas ELSS Direct Growth

Fund Performance: The Baroda BNP Paribas ELSS Fund has given 12.22% annualized returns in the past three years and 10.62% in the last 5 years. The Baroda BNP Paribas ELSS Fund belongs to the Equity category of BNP Paribas Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Baroda BNP Paribas ELSS Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹692Cr
1Y Returns1.0%

Baroda BNP Paribas Low Duration Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Low Duration Fund has given 5.85% annualized returns in the past three years and 6.63% in the last 5 years. The Baroda BNP Paribas Low Duration Fund belongs to the Debt category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹207Cr
1Y Returns3.3%

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