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Best BNP Paribas Debt Mutual Funds

BNP Paribas Mutual Fund is a part of the global banking network, BNP Paribas and provides investment solutions and asset management in over 29 countries. With over 15 years of experience conducting business in India, they have more than Rs.7000 crore in Assets under Management (AuM).

BNP Paribas offers around 18 mutual fund schemes in equity, debt and hybrid categories to suit different needs. 

Debt mutual funds invest in debt instruments that generate fixed income by lending money to institutions that issue securities or bonds for it. The debt instruments include corporate bonds, government securities, money market instruments, treasury bills, commercial paper and more. Investors buy the best BNP Paribas debt mutual funds to get a steady income and capital appreciation that isn't affected by market fluctuations.

BNP Paribas offers around 7 different debt mutual fund schemes with a different maturity date and asset allocation. 

Debt funds produce a stable and steady stream of cash flow that doesn't rely much on stock market performance. It's a safe investment option for risk-averse investors. Even though they don't provide guaranteed returns, their profits are usually within a predictable range. They make them suitable for investors who want better income compared to traditional fixed-income sources without risking their investments. 

The best BNP Paribas debt mutual funds have high liquidity, making them ideal for storing funds temporarily. Plus, these generate more returns than fixed deposits. They also have low cost structure, offer tax benefits and offer a reasonable degree of safety. 

Depending on the maturity period and the risk appetite of investors, there are several types of debt mutual funds. Overnight, liquid and ultra-short duration funds have low risks and high liquidity due to their shorter maturity periods. Short duration, Medium duration, medium-long duration and long duration funds can be the best BNP Paribas debt mutual funds for generating stable and fixed returns over longer periods. 

Corporate bonds, gilt funds, fixed maturity plans (FMP) and banking/PSU funds are ideal for the most risk-averse as they have no credit risks. On the other hand, credit risk funds offer better returns by taking increased risks of lower-quality bonds. Dynamic bond funds have a changing asset composition based on current interest regimes. 

Taxability

There are two types of capital gains tax applicable for debt funds:

Long-term Capital Gains (LTCG) Tax: If an investor holds a debt fund for more than three years, LTCGT is applicable at 20% after indexation. 

Short-term Capital Gains (STCG) Tax: When an investor holds a scheme for three years, STCG is added to their taxable income and charged as per their tax slab. 

TDS: TDS does not apply for debt mutual funds. 

Factors to Consider Before Investing

The following are some of the pointers that will help investors choose the best BNP Paribas Mutual Fund. 

Returns: Debt funds are not often considered tools to generate huge returns. It offers better returns than fixed deposits but less than hybrid and equity funds. They work better for risk-averse investors who want a stable income with little chances of volatility. It also works well as a temporary store for emergency funds due to its high liquidity. The NAV (Net Asset Value) of a debt fund usually increases with a fall in the overall interest rates of the economy. This makes them suitable to diversify a portfolio with several equity funds. 

Risks: The best BNP Paribas Mutual funds have very low risks, as they are not directly impacted by stock market fluctuations. However, debt funds with low-quality debt instruments carry a certain amount of credit risk. Most debt funds have interest rate risks, where the interest rate regime affects the income from these funds. These movements are not as drastic as those of the share market are. Debt funds with most of their assets in AAA corporate bonds and government securities are ideal for the most risk-averse investors.

Maturity period: All debt mutual funds have a fixed maturity period ranging from a single day to seven years. The top BNP Paribas debt mutual funds with low maturity periods have lower volatility and returns and high liquidity. These work best as emergency funds for investors. Short-term, medium-term and long-term debt funds offer better returns with a longer maturity period but carry higher risks. 

Costs: Debt fund managers charge a certain percentage of total assets as a fee called an expense ratio. SEBI has fixed the upper limit of this charge at 2.25%. As debt funds have lower returns compared to other types of mutual funds, having a low expense ratio is essential to get decent returns. Some mutual funds also charge an exit load when the investor quits from the scheme prematurely. 

Credit quality: Fixed income securities have credit quality ratings given by rating agencies. Thus, bonds and securities of high-quality institutions that do not default on payments get a higher rating. The best BNP Paribas debt mutual funds invest in government bonds and AAA-rated securities as they have the highest credit ratings and the lowest risks. 

The above-mentioned pointers are some of the factors that investors need to study before buying the best BNP Paribas debt mutual funds 2021.

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List of Bnp Paribas Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Baroda BNP Paribas Aggressive Hybrid FundHybridVery High3.8%5₹764
Baroda BNP Paribas Arbitrage FundHybridLow4.1%4₹621
Baroda BNP Paribas Multi Cap FundEquityVery High11.1%5₹1,672
BNP Paribas Multi Cap FundEquityVery High20.5%0₹562
Baroda BNP Paribas India Consumption FundEquityVery High9.2%5₹881
Baroda BNP Paribas Midcap FundEquityVery High9.0%4₹1,190
Baroda BNP Paribas Large Cap FundEquityVery High6.2%5₹1,281
Baroda BNP Paribas Focused FundEquityVery High7.0%3₹223
Baroda BNP Paribas ELSS FundEquityVery High1.4%3₹692
Baroda BNP Paribas Low Duration FundDebtModerate3.3%3₹207
Baroda BNP Paribas Conservative Hybrid FundHybridModerately High2.9%4₹468
Baroda BNP Paribas Dynamic Bond Plan FundDebtModerate1.9%2₹125
BNP Paribas Short Term FundDebtModerate5.3%3₹248
Baroda BNP Paribas Corporate Bond FundDebtModerate1.0%1₹31
Baroda BNP Paribas Medium Duration FundDebtModerate1.1%2₹44
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 14.79% annualized returns in the past three years and 12.76% 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 Returns3.8%

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 5.7% 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 Returns4.1%

Baroda BNP Paribas Multi Cap Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Multi Cap Fund has given 16.29% annualized returns in the past three years and 11.48% 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 Returns11.1%

BNP Paribas Multi Cap Fund Direct Growth

Fund Performance: The BNP Paribas Multi Cap Fund has given 19.42% annualized returns in the past three years and 15.26% in the last 5 years. The BNP Paribas Multi Cap Fund belongs to the Equity category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹562Cr
1Y Returns20.5%

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 Returns9.2%

Baroda BNP Paribas Midcap Direct Growth

Fund Performance: The Baroda BNP Paribas Midcap Fund has given 19.76% annualized returns in the past three years and 12.69% 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 Returns9.0%

Baroda BNP Paribas Large Cap Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Large Cap Fund has given 13.79% annualized returns in the past three years and 11.8% 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 Returns6.2%

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 Returns7.0%

Baroda BNP Paribas ELSS Direct Growth

Fund Performance: The Baroda BNP Paribas ELSS Fund has given 12.48% annualized returns in the past three years and 10.48% 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 Returns1.4%

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 6.62% 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%

Baroda BNP Paribas Conservative Hybrid Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Conservative Hybrid Fund has given 7.44% annualized returns in the past three years and 7.62% in the last 5 years. The Baroda BNP Paribas Conservative 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 Conservative Hybrid Fund via lump sum is ₹1,000 and via SIP is ₹500.

Min Investment Amt₹1,000
AUM₹468Cr
1Y Returns2.9%

Baroda BNP Paribas Dynamic Bond Plan Direct Growth

Fund Performance: The Baroda BNP Paribas Dynamic Bond Plan Fund has given 5.93% annualized returns in the past three years and 6.01% in the last 5 years. The Baroda BNP Paribas Dynamic Bond Plan Fund belongs to the Debt category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹125Cr
1Y Returns1.9%

BNP Paribas Short Term Fund Direct Growth

Fund Performance: The BNP Paribas Short Term Fund has given 7.29% annualized returns in the past three years and 7.32% in the last 5 years. The BNP Paribas Short Term Fund belongs to the Debt category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹248Cr
1Y Returns5.3%

Baroda BNP Paribas Corporate Bond Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Corporate Bond Fund has given 3.5% annualized returns in the past three years and 4.61% in the last 5 years. The Baroda BNP Paribas Corporate Bond Fund belongs to the Debt category of BNP Paribas Mutual Funds.

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

Min Investment Amt₹5,000
AUM₹31Cr
1Y Returns1.0%

Baroda BNP Paribas Medium Duration Fund Direct Growth

Fund Performance: The Baroda BNP Paribas Medium Duration Fund has given 2.1% annualized returns in the past three years and 3.39% in the last 5 years. The Baroda BNP Paribas Medium 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 Medium Duration Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹44Cr
1Y Returns1.1%

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