Should I invest in BARODA PIONEER GILT FUND?

We don't give personal investment advice. BARODA PIONEER GILT FUND-Growth Plan is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.9%. 5-year CAGR: 5.11%.

Baroda Pioneer

BARODA PIONEER GILT FUND-Growth Plan

Latest NAV

₹43.1484

As of

8 Jun 2026

4,873 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.45%	+0.22%	+0.23	13 / 50	Q2
1W	+0.52%	+0.30%	+0.22	7 / 50	Q1
2W	+1.03%	+0.53%	+0.50	10 / 50	Q1
1M	+0.01%	+0.16%	-0.15	28 / 50	Q3
3M	-0.27%	+0.41%	-0.68	35 / 49	Q3
6M	+0.18%	+0.69%	-0.51	29 / 48	Q3
YTD	+0.12%	+0.71%	-0.59	33 / 48	Q3
1Y	-0.41%	+0.34%	-0.76	28 / 48	Q3
2Y	+5.57%	+4.05%	+1.52	19 / 47	Q2
3Y	+5.75%	+4.48%	+1.28	22 / 46	Q2
4Y	+6.57%	+4.80%	+1.77	18 / 44	Q2
5Y	+5.11%	+3.76%	+1.35	19 / 42	Q2
7Y	+5.67%	+4.46%	+1.22	21 / 42	Q2
10Y	+6.11%	+4.84%	+1.26	19 / 42	Q2
Inception	+7.11%	+5.10%	+2.01	19 / 50	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+0.12%	+0.41%	-0.29	20 / 35
2025	+5.54%	+3.16%	+2.38	3 / 37
2024	+9.73%	+7.11%	+2.62	4 / 37
2023	+7.13%	+5.56%	+1.57	13 / 37
2022	+1.54%	+1.37%	+0.17	24 / 37
2021	+1.80%	+1.03%	+0.77	19 / 37
2020	+9.68%	+8.25%	+1.43	22 / 37
2019	+9.22%	+8.56%	+0.67	21 / 37
2018	+5.95%	+3.47%	+2.48	14 / 47
2017	+0.67%	+0.07%	+0.60	23 / 47
2016	+13.22%	+11.27%	+1.95	23 / 46

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.48%

234 windows

min -1.7% · max 19.8%

97% positive

3-Year rolling

+7.57%

210 windows

min 2.8% · max 14.3%

100% positive

5-Year rolling

+7.76%

185 windows

min 4.7% · max 12.4%

100% positive

7-Year rolling

+7.86%

161 windows

min 5.1% · max 11.9%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

2.75%

3-year · annualised

Sharpe ratio

-0.30

vs risk-free 6.5%

Sortino ratio

-0.58

Downside-only deviation

Max drawdown

-2.64%

May 2025 → Aug 2025

% positive months

77.8%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund-Long Term-Dividend	HDFC	₹12.1341	8 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹20.7989	8 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.2944	8 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6502	8 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.6804	8 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.4837	8 Jun 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹25.6108	8 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹75.8101	8 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.6114	8 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.3009	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹43.1484
5 Jun 2026	₹43.0528
4 Jun 2026	₹42.8611
3 Jun 2026	₹42.7947
2 Jun 2026	₹42.8459
1 Jun 2026	₹42.8134
29 May 2026	₹42.8299
27 May 2026	₹42.7945
26 May 2026	₹42.7883
25 May 2026	₹42.7855

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 08 Jun 2026, the NAV of BARODA PIONEER GILT FUND-Growth Plan is ₹43.1484. It's a Gilt Fund from Baroda Pioneer, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BARODA PIONEER GILT FUND-Growth Plan has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

BARODA PIONEER GILT FUND-Growth Plan is managed by Baroda Pioneer. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BARODA PIONEER GILT FUND-Growth Plan has delivered a absolute return of -0.41% — -0.76 pp behind the Gilt Fund category average of 0.34%. The fund ranks #28 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BARODA PIONEER GILT FUND-Growth Plan has delivered a CAGR of 5.75% — +1.28 pp ahead of the Gilt Fund category average of 4.48%. The fund ranks #22 of 46 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BARODA PIONEER GILT FUND-Growth Plan has delivered a CAGR of 5.11% — +1.35 pp ahead of the Gilt Fund category average of 3.76%. The fund ranks #19 of 42 in its category — the second (Q2) quartile.

₹1 lakh invested in BARODA PIONEER GILT FUND-Growth Plan exactly 10 years ago would be worth approximately ₹180,882 today — a multiplier of 1.81×, based on the 10-year CAGR of 6.11%. The category average over the same window would have grown ₹1 lakh to ₹160,466.

A ₹10,000 monthly SIP in BARODA PIONEER GILT FUND-Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹689,829 today. That's an XIRR (money-weighted annualised return) of 5.52%.

A ₹10,000 monthly SIP for 10 years in BARODA PIONEER GILT FUND-Growth Plan = ₹1,200,000 invested. It would currently be worth ₹1,604,088 (multiplier 1.34×). XIRR: 5.66%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BARODA PIONEER GILT FUND-Growth Plan ranks #19 out of 42 funds in the Gilt Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.76%; this fund delivered 5.11%.

The worst peak-to-trough decline BARODA PIONEER GILT FUND-Growth Plan has experienced over the last 5-year window is 2.92% — its NAV fell from a high on 15 Dec 2021 to a low on 07 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, BARODA PIONEER GILT FUND-Growth Plan averaged 7.76% (best 12.37%, worst 4.73%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.52 — negative risk-adjusted performance.

In calendar year 2025, BARODA PIONEER GILT FUND-Growth Plan returned 5.54% — beating the Gilt Fund category average of 3.16% by 2.38 pp. It ranked #3 of 37 in its category that year.

BARODA PIONEER GILT FUND-Growth Plan is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. BARODA PIONEER GILT FUND-Growth Plan is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.9%. 5-year CAGR: 5.11%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

BARODA PIONEER GILT FUND-Growth Plan

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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