Should I invest in Baroda BNP Paribas Equity Savings Fund?

We don't give personal investment advice. Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 13.0%. 5-year CAGR: 2.67%.

Baroda BNP Paribas

Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW

Latest NAV

₹13.8831

As of

17 Jul 2026

1,716 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	+0.12%	+0.13%	0.00	37 / 49	Q4
1W	+0.04%	+0.17%	-0.13	37 / 49	Q4
2W	+0.39%	+0.27%	+0.12	13 / 49	Q2
1M	+0.90%	+0.53%	+0.37	13 / 48	Q2
3M	+1.95%	+1.21%	+0.74	12 / 48	Q1
6M	-5.60%	+0.35%	-5.95	45 / 48	Q4
YTD	-6.03%	-0.31%	-5.72	45 / 48	Q4
1Y	-2.87%	+1.63%	-4.50	45 / 48	Q4
2Y	-1.84%	+2.39%	-4.22	41 / 47	Q4
3Y	+4.04%	+5.05%	-1.01	26 / 45	Q3
4Y	+4.23%	+5.30%	-1.07	22 / 40	Q3
5Y	+2.67%	+4.35%	-1.68	24 / 39	Q3
7Y	+4.77%	+5.64%	-0.87	22 / 38	Q3
10Y	—	—	—	—	—
Inception	+4.79%	+5.34%	-0.55	25 / 47	Q3

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	-6.03%	-0.62%	-5.41	40 / 43
2025	-0.73%	+2.35%	-3.07	36 / 42
2024	+11.91%	+8.05%	+3.87	9 / 42
2023	+6.55%	+9.20%	-2.65	26 / 40
2022	-2.08%	+0.46%	-2.55	32 / 40
2021	+7.73%	+9.45%	-1.72	26 / 40
2020	+13.06%	+7.78%	+5.28	4 / 40
2019	—	—	—	—

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

+5.92%

73 windows

min -4.3% · max 20.0%

70% positive

3-Year rolling

+5.23%

49 windows

min 2.9% · max 7.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+5.54%

25 windows

min 2.5% · max 8.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

6.35%

3-year · annualised

Sharpe ratio

-0.37

vs risk-free 6.5%

Sortino ratio

-0.51

Downside-only deviation

Max drawdown

-13.00%

Dec 2024 → Mar 2026

% positive months

63.9%

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 Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - IDCW Option - Direct Plan	HDFC	₹15.0960	17 Jul 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.0945	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.7100	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.8261	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.3190	17 Jul 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.9221	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4800	17 Jul 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹15.2612	17 Jul 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.7290	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.8831
16 Jul 2026	₹13.8659
15 Jul 2026	₹13.8693
14 Jul 2026	₹13.8374
13 Jul 2026	₹13.8883
10 Jul 2026	₹13.8769
9 Jul 2026	₹13.7949
8 Jul 2026	₹13.7420
7 Jul 2026	₹13.8596
6 Jul 2026	₹13.8744

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 17 Jul 2026, the NAV of Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW is ₹13.8831. It's a Equity Savings Fund from Baroda BNP Paribas, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW has NAV history starting from 30 Jul 2019, a track record of about 6 years 11 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW is managed by Baroda BNP Paribas. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW has delivered a absolute return of -2.87% — -4.5 pp behind the Equity Savings Fund category average of 1.63%. The fund ranks #45 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW has delivered a CAGR of 4.04% — -1.01 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #26 of 45 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW has delivered a CAGR of 2.67% — -1.68 pp behind the Equity Savings Fund category average of 4.35%. The fund ranks #24 of 39 in its category — the third (Q3) quartile.

₹1 lakh invested in Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW exactly 5 years ago would be worth approximately ₹114,077 today — a multiplier of 1.14×, based on the 5-year CAGR of 2.67%. The category average over the same window would have grown ₹1 lakh to ₹123,719.

A ₹10,000 monthly SIP in Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹631,195 today. That's an XIRR (money-weighted annualised return) of 2.00%.

Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹631,195 — XIRR 2.00%.

On a 5-year basis, Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW ranks #24 out of 39 funds in the Equity Savings Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.35%; this fund delivered 2.67%.

The worst peak-to-trough decline Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW has experienced over the last 5-year window is 13.00% — its NAV fell from a high on 16 Dec 2024 to a low on 30 Mar 2026. 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 BNP Paribas Equity Savings Fund - Direct Plan - IDCW averaged 5.54% (best 8.35%, worst 2.54%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.49 — negative risk-adjusted performance.

In calendar year 2025, Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW returned -0.73% — lagging the Equity Savings Fund category average of 2.35% by 3.07 pp. It ranked #36 of 42 in its category that year.

Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Baroda BNP Paribas Equity Savings Fund - Direct Plan - IDCW is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 13.0%. 5-year CAGR: 2.67%.

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