Should I invest in BARODA PIONEER MIP FUND-Monthly Dividend Plan?

We don't give personal investment advice. BARODA PIONEER MIP FUND-Monthly Dividend 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: 7.7%. 5-year CAGR: 1.76%.

Baroda Pioneer

BARODA PIONEER MIP FUND-Monthly Dividend 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	+0.01%	-9.99%	+10.00	189 / 1129	Q1
1W	+1.07%	-13.04%	+14.11	43 / 1151	Q1
2W	-0.17%	-13.18%	+13.01	426 / 1149	Q2
1M	-1.54%	-13.26%	+11.72	701 / 1137	Q3
3M	-3.21%	-13.15%	+9.94	847 / 1116	Q4
6M	-4.37%	-15.45%	+11.08	653 / 906	Q3
YTD	-2.54%	-15.77%	+13.23	658 / 952	Q3
1Y	-2.50%	-13.09%	+10.59	630 / 820	Q4
2Y	+2.31%	-12.72%	+15.03	185 / 446	Q2
3Y	+3.02%	-11.01%	+14.03	139 / 385	Q2
4Y	+2.26%	-6.52%	+8.78	128 / 339	Q2
5Y	+1.76%	-7.36%	+9.12	134 / 314	Q2
7Y	+1.10%	+2.53%	-1.43	135 / 234	Q3
10Y	+1.91%	+3.14%	-1.23	50 / 101	Q2
Inception	+1.54%	-13.63%	+15.17	379 / 1199	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
2022 YTD	-2.54%	-0.28%	-2.27	13 / 14
2021	-0.54%	+5.14%	-5.69	39 / 42
2020	+7.12%	+5.20%	+1.92	10 / 45
2019	+4.50%	-4.85%	+9.35	10 / 56
2018	-2.16%	+1.30%	-3.46	82 / 90
2017	+0.31%	+1.63%	-1.32	75 / 137
2016	+3.00%	+3.02%	-0.02	71 / 181
2015	-0.30%	+2.22%	-2.52	188 / 216
2014	+8.81%	+5.51%	+3.30	78 / 240
2013	-0.84%	-1.95%	+1.11	215 / 276
2012	+5.00%	+1.38%	+3.63	142 / 295

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

+1.81%

183 windows

min -6.5% · max 11.6%

67% positive

3-Year rolling

+1.52%

158 windows

min -2.6% · max 5.8%

74% positive

5-Year rolling

+1.38%

134 windows

min -1.2% · max 3.0%

90% positive

7-Year rolling

+1.51%

110 windows

min 0.0% · max 3.3%

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

4.55%

3-year · annualised

Sharpe ratio

-0.76

vs risk-free 6.5%

Sortino ratio

-1.32

Downside-only deviation

Max drawdown

-6.11%

Oct 2021 → Mar 2022

% positive months

55.6%

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
13 Mar 2022	₹14.5337
11 Mar 2022	₹14.5316
10 Mar 2022	₹14.5231
9 Mar 2022	₹14.4705
8 Mar 2022	₹14.4117
7 Mar 2022	₹14.3795
4 Mar 2022	₹14.4703
3 Mar 2022	₹14.5160
2 Mar 2022	₹14.5437
28 Feb 2022	₹14.5590

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 MIP FUND-Monthly Dividend 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 MIP FUND-Monthly Dividend 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 MIP FUND-Monthly Dividend 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 MIP FUND-Monthly Dividend Plan has delivered a absolute return of -2.50% — +10.59 pp ahead of the Income category average of -13.09%. The fund ranks #630 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BARODA PIONEER MIP FUND-Monthly Dividend Plan has delivered a CAGR of 3.02% — +14.03 pp ahead of the Income category average of -11.01%. The fund ranks #139 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BARODA PIONEER MIP FUND-Monthly Dividend Plan has delivered a CAGR of 1.76% — +9.12 pp ahead of the Income category average of -7.36%. The fund ranks #134 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in BARODA PIONEER MIP FUND-Monthly Dividend Plan exactly 10 years ago would be worth approximately ₹120,827 today — a multiplier of 1.21×, based on the 10-year CAGR of 1.91%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in BARODA PIONEER MIP FUND-Monthly Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹623,151 today. That's an XIRR (money-weighted annualised return) of 1.49%.

A ₹10,000 monthly SIP for 10 years in BARODA PIONEER MIP FUND-Monthly Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,311,476 (multiplier 1.09×). XIRR: 1.75%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BARODA PIONEER MIP FUND-Monthly Dividend Plan ranks #134 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 1.76%.

The worst peak-to-trough decline BARODA PIONEER MIP FUND-Monthly Dividend Plan has experienced over the last 5-year window is 7.65% — its NAV fell from a high on 24 Jul 2017 to a low on 09 Oct 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 MIP FUND-Monthly Dividend Plan averaged 1.38% (best 2.98%, worst -1.22%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is -1.07 — negative risk-adjusted performance.

In calendar year 2021, BARODA PIONEER MIP FUND-Monthly Dividend Plan returned -0.54% — lagging the Income category average of 5.14% by 5.69 pp. It ranked #39 of 42 in its category that year.

BARODA PIONEER MIP FUND-Monthly Dividend 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 MIP FUND-Monthly Dividend 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: 7.7%. 5-year CAGR: 1.76%.

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