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

We don't give personal investment advice. BARODA PIONEER MIP FUND-Quarterly 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: 8.8%. 5-year CAGR: 1.48%.

Baroda Pioneer

BARODA PIONEER MIP FUND-Quarterly 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	182 / 1129	Q1
1W	+1.07%	-13.04%	+14.11	42 / 1151	Q1
2W	-0.17%	-13.18%	+13.01	425 / 1149	Q2
1M	-1.07%	-13.26%	+12.19	588 / 1137	Q3
3M	-3.24%	-13.15%	+9.90	848 / 1116	Q4
6M	-4.68%	-15.45%	+10.78	667 / 906	Q3
YTD	-1.61%	-15.77%	+14.17	617 / 952	Q3
1Y	-2.92%	-13.09%	+10.16	635 / 820	Q4
2Y	+1.94%	-12.72%	+14.67	193 / 446	Q2
3Y	+2.70%	-11.01%	+13.70	147 / 385	Q2
4Y	+1.96%	-6.52%	+8.47	137 / 339	Q2
5Y	+1.48%	-7.36%	+8.84	147 / 314	Q2
7Y	+0.88%	+2.53%	-1.65	144 / 234	Q3
10Y	+1.43%	+3.14%	-1.72	55 / 101	Q3
Inception	+1.34%	-13.63%	+14.98	391 / 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	-1.61%	-0.28%	-1.33	11 / 14
2021	-1.04%	+5.14%	-6.19	41 / 42
2020	+6.89%	+5.20%	+1.69	12 / 45
2019	+4.30%	-4.85%	+9.15	11 / 56
2018	-2.40%	+1.30%	-3.70	84 / 90
2017	+0.11%	+1.63%	-1.52	81 / 137
2016	+3.87%	+3.02%	+0.85	63 / 181
2015	-0.48%	+2.22%	-2.70	193 / 216
2014	+5.41%	+5.51%	-0.10	127 / 240
2013	-0.82%	-1.95%	+1.13	214 / 276
2012	+5.04%	+1.38%	+3.66	140 / 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

+1.57%

183 windows

min -6.3% · max 8.7%

67% positive

3-Year rolling

+1.27%

158 windows

min -2.6% · max 5.3%

75% positive

5-Year rolling

+1.10%

134 windows

min -0.9% · max 2.8%

93% positive

7-Year rolling

+1.17%

110 windows

min 0.1% · max 2.7%

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

4.95%

3-year · annualised

Sharpe ratio

-0.76

vs risk-free 6.5%

Sortino ratio

-1.32

Downside-only deviation

Max drawdown

-6.28%

Sep 2021 → Mar 2022

% positive months

52.8%

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.

Recent NAVs

Date	NAV
13 Mar 2022	₹14.0983
11 Mar 2022	₹14.0962
10 Mar 2022	₹14.0879
9 Mar 2022	₹14.0369
8 Mar 2022	₹13.9799
7 Mar 2022	₹13.9487
4 Mar 2022	₹14.0368
3 Mar 2022	₹14.0811
2 Mar 2022	₹14.1080
28 Feb 2022	₹14.1228

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-Quarterly 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-Quarterly 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-Quarterly 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-Quarterly Dividend Plan has delivered a absolute return of -2.92% — +10.16 pp ahead of the Income category average of -13.09%. The fund ranks #635 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BARODA PIONEER MIP FUND-Quarterly Dividend Plan has delivered a CAGR of 2.70% — +13.7 pp ahead of the Income category average of -11.01%. The fund ranks #147 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BARODA PIONEER MIP FUND-Quarterly Dividend Plan has delivered a CAGR of 1.48% — +8.84 pp ahead of the Income category average of -7.36%. The fund ranks #147 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in BARODA PIONEER MIP FUND-Quarterly Dividend Plan exactly 10 years ago would be worth approximately ₹115,208 today — a multiplier of 1.15×, based on the 10-year CAGR of 1.43%. 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-Quarterly Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹621,205 today. That's an XIRR (money-weighted annualised return) of 1.37%.

A ₹10,000 monthly SIP for 10 years in BARODA PIONEER MIP FUND-Quarterly Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,291,877 (multiplier 1.08×). XIRR: 1.46%. 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-Quarterly Dividend Plan ranks #147 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 1.48%.

The worst peak-to-trough decline BARODA PIONEER MIP FUND-Quarterly Dividend Plan has experienced over the last 5-year window is 8.77% — its NAV fell from a high on 20 Sep 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-Quarterly Dividend Plan averaged 1.10% (best 2.80%, worst -0.87%). 93% of rolling windows ended positive. The 5-year Sharpe ratio is -1.05 — negative risk-adjusted performance.

In calendar year 2021, BARODA PIONEER MIP FUND-Quarterly Dividend Plan returned -1.04% — lagging the Income category average of 5.14% by 6.19 pp. It ranked #41 of 42 in its category that year.

BARODA PIONEER MIP FUND-Quarterly 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-Quarterly 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: 8.8%. 5-year CAGR: 1.48%.

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