Should I invest in BARODA PIONEER INCOME FUND?

We don't give personal investment advice. BARODA PIONEER INCOME 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: 3.1%. 5-year CAGR: 7.45%.

Baroda Pioneer

BARODA PIONEER INCOME FUND-Growth Plan

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	+0.03%	-9.99%	+10.02	105 / 1129	Q1
1W	+0.20%	-13.04%	+13.24	133 / 1151	Q1
2W	-0.02%	-13.18%	+13.16	383 / 1149	Q2
1M	+0.47%	-13.26%	+13.74	198 / 1137	Q1
3M	+3.65%	-13.15%	+16.80	34 / 1116	Q1
6M	+3.86%	-15.45%	+19.31	195 / 906	Q1
YTD	+0.15%	-15.77%	+15.92	402 / 952	Q2
1Y	+4.00%	-13.09%	+17.09	345 / 820	Q2
2Y	+2.86%	-12.72%	+15.58	178 / 446	Q2
3Y	+5.92%	-11.01%	+16.93	100 / 385	Q2
4Y	+5.89%	-6.52%	+12.41	93 / 339	Q2
5Y	+7.45%	-7.36%	+14.81	73 / 314	Q1
7Y	+7.31%	+2.53%	+4.78	62 / 234	Q2
10Y	+6.95%	+3.14%	+3.81	23 / 101	Q1
Inception	+6.44%	-13.63%	+20.07	297 / 1199	Q1

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
2019 YTD	+0.15%	-4.85%	+5.00	20 / 56
2018	+3.96%	+1.30%	+2.66	19 / 90
2017	+1.82%	+1.63%	+0.19	44 / 137
2016	+11.84%	+3.02%	+8.82	9 / 181
2015	+5.85%	+2.22%	+3.63	72 / 216
2014	+14.43%	+5.51%	+8.93	21 / 240
2013	+4.30%	-1.95%	+6.25	93 / 276
2012	+8.99%	+1.38%	+7.61	109 / 295
2011	+8.91%	-3.16%	+12.07	70 / 317
2010	+7.82%	-5.78%	+13.61	11 / 377
2009	+1.50%	-12.86%	+14.35	311 / 713

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

+6.60%

144 windows

min -1.3% · max 16.7%

97% positive

3-Year rolling

+7.06%

120 windows

min 3.8% · max 11.4%

100% positive

5-Year rolling

+7.34%

95 windows

min 4.8% · max 9.6%

100% positive

7-Year rolling

+7.38%

71 windows

min 5.8% · max 9.1%

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

3.24%

3-year · annualised

Sharpe ratio

-0.22

vs risk-free 6.5%

Sortino ratio

-0.48

Downside-only deviation

Max drawdown

-3.13%

Apr 2018 → Jun 2018

% positive months

72.2%

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.

Recent NAVs

Date	NAV
11 Jan 2019	₹27.0574
10 Jan 2019	₹27.0485
9 Jan 2019	₹27.0493
8 Jan 2019	₹27.0512
7 Jan 2019	₹26.9522
4 Jan 2019	₹27.0025
3 Jan 2019	₹27.0238
2 Jan 2019	₹27.0710
1 Jan 2019	₹27.0174
31 Dec 2018	₹27.0787

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.

BARODA PIONEER INCOME FUND-Growth Plan is a Income from Baroda Pioneer (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

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

Over the trailing 1-year window, BARODA PIONEER INCOME FUND-Growth Plan has delivered a absolute return of 4.00% — +17.09 pp ahead of the Income category average of -13.09%. The fund ranks #345 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BARODA PIONEER INCOME FUND-Growth Plan has delivered a CAGR of 5.92% — +16.93 pp ahead of the Income category average of -11.01%. The fund ranks #100 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BARODA PIONEER INCOME FUND-Growth Plan has delivered a CAGR of 7.45% — +14.81 pp ahead of the Income category average of -7.36%. The fund ranks #73 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in BARODA PIONEER INCOME FUND-Growth Plan exactly 10 years ago would be worth approximately ₹195,754 today — a multiplier of 1.96×, based on the 10-year CAGR of 6.95%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in BARODA PIONEER INCOME FUND-Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹698,126 today. That's an XIRR (money-weighted annualised return) of 5.99%.

A ₹10,000 monthly SIP for 10 years in BARODA PIONEER INCOME FUND-Growth Plan = ₹1,200,000 invested. It would currently be worth ₹1,726,611 (multiplier 1.44×). XIRR: 7.06%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BARODA PIONEER INCOME FUND-Growth Plan ranks #73 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 7.45%.

The worst peak-to-trough decline BARODA PIONEER INCOME FUND-Growth Plan has experienced over the last 5-year window is 3.13% — its NAV fell from a high on 05 Apr 2018 to a low on 07 Jun 2018. 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 INCOME FUND-Growth Plan averaged 7.34% (best 9.61%, worst 4.83%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.24 — weak risk-adjusted performance.

In calendar year 2018, BARODA PIONEER INCOME FUND-Growth Plan returned 3.96% — beating the Income category average of 1.30% by 2.66 pp. It ranked #19 of 90 in its category that year.

BARODA PIONEER INCOME 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 INCOME 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: 3.1%. 5-year CAGR: 7.45%.

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

BARODA PIONEER INCOME FUND-Growth Plan

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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