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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 2021 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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Top 10 Baroda Pioneer Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Baroda Multi Cap FundEquityVery High51.4%3₹1,171
Baroda Short Term Bond Direct FundDebtModerate4.7%3₹262
Baroda Liquid Direct FundDebtLow to Moderate3.4%3₹5,944
Baroda Hybrid Equity FundHybridVery High35.1%3₹412
Baroda Credit Risk FundDebtModerate20.5%4₹205
Baroda Treasury Advantage Direct FundDebtLow to Moderate6.5%1₹29
Baroda Banking and Financial Services FundEquityVery High17.8%2₹55
Baroda Equity Linked Saving Scheme 96 FundEquityVery High43.2%2₹217
Baroda Midcap Direct FundEquityVery High58.7%3₹85
Baroda Large Cap Direct FundEquityVery High29.7%3₹51
Baroda Conservative Hybrid FundHybridModerately High7.5%4₹33
Baroda Gilt FundDebtModerate3.5%3₹29
Baroda Dynamic Bond FundDebtModerate6.4%1₹19
Baroda Equity Savings FundHybridModerately High8.0%3₹400
Baroda Dynamic Equity FundHybridModerately High19.5%5₹1,536
View All Top 10 Baroda Pioneer Mutual Funds

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 24.24% annualized returns in the past three years and 18.28% 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₹1,171Cr
1Y Returns51.4%

Baroda Short Term Bond Direct Fund Growth

Fund Performance: The Baroda Short Term Bond Direct Fund has given 7.66% annualized returns in the past three years and 7.73% 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₹262Cr
1Y Returns4.7%

Baroda Liquid Direct Fund Growth

Fund Performance: The Baroda Liquid Direct Fund has given 4.88% annualized returns in the past three years and 5.78% 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₹5,944Cr
1Y Returns3.4%

Baroda Hybrid Equity Fund Direct Plan Growth

Fund Performance: The Baroda Hybrid Equity Fund has given 16.88% annualized returns in the past three years and 14.25% 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₹412Cr
1Y Returns35.1%

Baroda Credit Risk Fund Plan B Direct Growth

Fund Performance: The Baroda Credit Risk Fund has given 8.66% annualized returns in the past three years and 8.34% 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₹205Cr
1Y Returns20.5%

Baroda Treasury Advantage Direct Fund Growth

Fund Performance: The Baroda Treasury Advantage Direct Fund has given -8.91% annualized returns in the past three years and -2.72% 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₹29Cr
1Y Returns6.5%

Baroda Banking and Financial Services Direct Growth

Fund Performance: The Baroda Banking and Financial Services Fund has given 11.79% annualized returns in the past three years and 13.26% 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₹55Cr
1Y Returns17.8%

Baroda Equity Linked Saving Scheme 96 Direct Growth

Fund Performance: The Baroda Equity Linked Saving Scheme 96 Fund has given 20.33% annualized returns in the past three years and 15.55% 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 Returns43.2%

Baroda Midcap Direct Fund Growth

Fund Performance: The Baroda Midcap Direct Fund has given 28.04% annualized returns in the past three years and 20.08% 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₹85Cr
1Y Returns58.7%

Baroda Large Cap Direct Fund Growth

Fund Performance: The Baroda Large Cap Direct Fund has given 17.01% annualized returns in the past three years and 14.14% 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 Returns29.7%

Baroda Conservative Hybrid Fund Direct Growth

Fund Performance: The Baroda Conservative Hybrid Fund has given 11.27% annualized returns in the past three years and 8.72% 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₹33Cr
1Y Returns7.5%

Baroda Gilt Direct Growth

Fund Performance: The Baroda Gilt Fund has given 8.38% annualized returns in the past three years and 6.06% 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 Returns3.5%

Baroda Dynamic Bond Direct Growth

Fund Performance: The Baroda Dynamic Bond Fund has given 3.89% annualized returns in the past three years and 4.36% 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 Returns6.4%

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 Dynamic Equity Fund Direct Growth

Fund Performance: The Baroda Dynamic Equity Fund has given 18.73% annualized returns in the past three years and null% in the last 5 years. The Baroda Dynamic Equity Fund belongs to the Hybrid category of Baroda Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹1,536Cr
1Y Returns19.5%

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