Should I invest in Baroda Pioneer Treasury Advantage Fund- Daily Dividend Option?

We don't give personal investment advice. Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option 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: 47.7%. 5-year CAGR: -5.92%.

Baroda Pioneer

Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 7 Feb 2011. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

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	+0.02%	+6.99%	-6.97	96 / 763	Q1
1W	+0.04%	+6.38%	-6.34	230 / 722	Q2
2W	+0.02%	+6.63%	-6.61	260 / 725	Q2
1M	+0.21%	+6.29%	-6.08	261 / 752	Q2
3M	+0.66%	+7.87%	-7.20	320 / 728	Q2
6M	+1.23%	+9.67%	-8.44	374 / 642	Q3
YTD	+0.54%	+8.47%	-7.93	360 / 666	Q3
1Y	+3.74%	+13.70%	-9.96	334 / 591	Q3
2Y	+14.48%	-5.03%	+19.51	3 / 197	Q1
3Y	-9.72%	-3.09%	-6.64	128 / 140	Q4
4Y	-7.38%	+1.62%	-9.00	115 / 119	Q4
5Y	-5.92%	-0.16%	-5.76	97 / 102	Q4
7Y	-4.21%	+2.05%	-6.26	61 / 64	Q4
10Y	-2.74%	+1.80%	-4.54	16 / 17	Q4
Inception	-2.16%	-3.28%	+1.12	730 / 797	Q4

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	+0.54%	+1.75%	-1.21	3 / 7
2021	+3.95%	+1.83%	+2.12	2 / 9
2020	-11.18%	-0.53%	-10.65	9 / 11
2019	-20.79%	-5.77%	-15.01	12 / 13
2018	+0.00%	+1.72%	-1.72	11 / 15
2017	+0.17%	+0.74%	-0.58	11 / 23
2016	+0.15%	+195.67%	-195.52	23 / 38
2015	+0.23%	+2.23%	-2.00	35 / 65
2014	+0.19%	+2.77%	-2.58	47 / 82
2013	+2.22%	+1.77%	+0.44	37 / 101
2012	+0.01%	-0.30%	+0.31	62 / 113

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

-1.59%

143 windows

min -47.3% · max 36.3%

56% positive

3-Year rolling

-2.73%

119 windows

min -19.4% · max 1.0%

67% positive

5-Year rolling

-2.00%

95 windows

min -12.1% · max 0.7%

64% positive

7-Year rolling

-1.97%

70 windows

min -8.5% · max 0.4%

51% 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

25.10%

3-year · annualised

Sharpe ratio

-0.53

vs risk-free 6.5%

Sortino ratio

-0.66

Downside-only deviation

Max drawdown

-47.75%

Mar 2019 → May 2020

% positive months

75.0%

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	₹758.3913
11 Mar 2022	₹758.2502
10 Mar 2022	₹758.1565
9 Mar 2022	₹758.0512
8 Mar 2022	₹758.0515
7 Mar 2022	₹758.0842
4 Mar 2022	₹758.1816
3 Mar 2022	₹758.2042
2 Mar 2022	₹758.0980
28 Feb 2022	₹758.2530

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 Treasury Advantage Fund- Institutional Plan- Daily Dividend Option is a Income from Baroda Pioneer (Institutional 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 Treasury Advantage Fund- Institutional Plan- Daily Dividend Option has NAV history starting from 29 Jun 2009, a track record of about 16 years 11 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 Treasury Advantage Fund- Institutional Plan- Daily Dividend Option 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 Treasury Advantage Fund- Institutional Plan- Daily Dividend Option has delivered a absolute return of 3.74% — -9.96 pp behind the Income category average of 13.70%. The fund ranks #334 of 591 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option has delivered a CAGR of -9.72% — -6.64 pp behind the Income category average of -3.09%. The fund ranks #128 of 140 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option has delivered a CAGR of -5.92% — -5.76 pp behind the Income category average of -0.16%. The fund ranks #97 of 102 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option exactly 10 years ago would be worth approximately ₹75,770 today — a multiplier of 0.76×, based on the 10-year CAGR of -2.74%. The category average over the same window would have grown ₹1 lakh to ₹119,538.

A ₹10,000 monthly SIP in Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹544,214 today. That's an XIRR (money-weighted annualised return) of -3.83%.

A ₹10,000 monthly SIP for 10 years in Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option = ₹1,200,000 invested. It would currently be worth ₹991,076 (multiplier 0.83×). XIRR: -3.84%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option ranks #97 out of 102 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -0.16%; this fund delivered -5.92%.

The worst peak-to-trough decline Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option has experienced over the last 5-year window is 47.75% — its NAV fell from a high on 03 Apr 2017 to a low on 19 May 2020. 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 Treasury Advantage Fund- Institutional Plan- Daily Dividend Option averaged -2.00% (best 0.66%, worst -12.05%). 64% of rolling windows ended positive. The 5-year Sharpe ratio is -0.54 — negative risk-adjusted performance.

In calendar year 2021, Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option returned 3.95% — beating the Income category average of 1.83% by 2.12 pp. It ranked #2 of 9 in its category that year.

Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Daily Dividend Option 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 Treasury Advantage Fund- Institutional Plan- Daily Dividend Option 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: 47.7%. 5-year CAGR: -5.92%.

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