Should I invest in Baroda BNP Paribas GILT FUND?

We don't give personal investment advice. Baroda BNP Paribas GILT FUND - Direct Plan - IDCW 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: 7.5%. 5-year CAGR: 3.46%.

Baroda BNP Paribas

Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option

Latest NAV

₹35.5760

As of

17 Jul 2026

3,258 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	-0.18%	-0.15%	-0.03	22 / 48	Q2
1W	-0.46%	-0.27%	-0.19	26 / 48	Q3
2W	-0.36%	-0.20%	-0.16	23 / 48	Q2
1M	+1.21%	+0.99%	+0.22	27 / 48	Q3
3M	+2.58%	+2.06%	+0.52	19 / 48	Q2
6M	+3.10%	+2.31%	+0.80	20 / 48	Q2
YTD	+2.55%	+1.92%	+0.63	20 / 48	Q2
1Y	+2.55%	+1.58%	+0.97	23 / 48	Q2
2Y	+6.42%	+2.94%	+3.48	9 / 44	Q1
3Y	+4.23%	+3.59%	+0.64	21 / 41	Q3
4Y	+5.39%	+3.63%	+1.76	17 / 38	Q2
5Y	+3.46%	+2.73%	+0.74	14 / 34	Q2
7Y	+3.62%	+2.36%	+1.26	12 / 30	Q2
10Y	+5.04%	+3.01%	+2.03	10 / 27	Q2
Inception	+5.10%	+3.62%	+1.49	20 / 48	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
2026 YTD	+2.55%	+1.64%	+0.92	17 / 39
2025	+5.87%	+1.34%	+4.53	2 / 38
2024	+2.40%	+5.54%	-3.14	23 / 35
2023	+7.51%	+4.18%	+3.33	5 / 35
2022	-2.88%	+0.43%	-3.31	27 / 31
2021	-0.79%	-0.22%	-0.57	20 / 31
2020	+9.78%	+5.04%	+4.74	10 / 31
2019	+10.04%	+7.33%	+2.71	11 / 26
2018	+6.83%	+4.31%	+2.53	12 / 31
2017	+1.54%	-0.85%	+2.39	10 / 33
2016	+13.94%	+9.36%	+4.59	9 / 31

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

+5.30%

153 windows

min -10.5% · max 17.9%

81% positive

3-Year rolling

+5.56%

129 windows

min 0.9% · max 12.0%

100% positive

5-Year rolling

+5.45%

104 windows

min 2.3% · max 9.6%

100% positive

7-Year rolling

+5.68%

80 windows

min 3.6% · max 8.6%

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

5.25%

3-year · annualised

Sharpe ratio

-0.41

vs risk-free 6.5%

Sortino ratio

-0.51

Downside-only deviation

Max drawdown

-7.42%

Mar 2024 → Apr 2024

% 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.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund - IDCW Option - Direct Plan	HDFC	₹13.0890	17 Jul 2026
NIPPON INDIA GILT FUND - Direct Plan - MONTHLY IDCW Option	Nippon India	₹11.7233	17 Jul 2026
SBI Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹23.2275	17 Jul 2026
ICICI Prudential Gilt Fund - Direct Plan - IDCW	ICICI Prudential	₹18.6860	17 Jul 2026
Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,218.5847	17 Jul 2026
Bandhan Gilt Fund - Direct Plan - Annual IDCW	Bandhan	₹12.7227	17 Jul 2026
quant Gilt Fund - IDCW Option - Direct Plan	Quant	₹12.5478	17 Jul 2026
Aditya Birla Sun Life Govenment Securities Fund -DIRECT - Quarterly IDCW	Aditya Birla Sun Life	₹11.6482	17 Jul 2026
Franklin India Government Securities Fund - Direct - IDCW	Franklin India	₹11.8904	17 Jul 2026
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹24.5773	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹35.5760
16 Jul 2026	₹35.6386
15 Jul 2026	₹35.5839
14 Jul 2026	₹35.5273
13 Jul 2026	₹35.6961
10 Jul 2026	₹35.7402
9 Jul 2026	₹35.6559
8 Jul 2026	₹35.6091
7 Jul 2026	₹35.7521
6 Jul 2026	₹35.7559

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 GILT FUND - Direct Plan - IDCW Option is ₹35.5760. It's a Gilt 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 GILT FUND - Direct Plan - IDCW Option has NAV history starting from 16 Jan 2013, a track record of about 13 years 6 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 GILT FUND - Direct Plan - IDCW Option is managed by Baroda BNP Paribas. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option has delivered a absolute return of 2.55% — +0.97 pp ahead of the Gilt Fund category average of 1.58%. The fund ranks #23 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option has delivered a CAGR of 4.23% — +0.64 pp ahead of the Gilt Fund category average of 3.59%. The fund ranks #21 of 41 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option has delivered a CAGR of 3.46% — +0.74 pp ahead of the Gilt Fund category average of 2.73%. The fund ranks #14 of 34 in its category — the second (Q2) quartile.

₹1 lakh invested in Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option exactly 10 years ago would be worth approximately ₹163,570 today — a multiplier of 1.64×, based on the 10-year CAGR of 5.04%. The category average over the same window would have grown ₹1 lakh to ₹134,548.

A ₹10,000 monthly SIP in Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹673,001 today. That's an XIRR (money-weighted annualised return) of 4.54%.

A ₹10,000 monthly SIP for 10 years in Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,497,980 (multiplier 1.25×). XIRR: 4.34%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option ranks #14 out of 34 funds in the Gilt Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.73%; this fund delivered 3.46%.

The worst peak-to-trough decline Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option has experienced over the last 5-year window is 7.54% — its NAV fell from a high on 15 Dec 2021 to a low on 07 Jun 2022. 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 GILT FUND - Direct Plan - IDCW Option averaged 5.45% (best 9.59%, worst 2.31%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.57 — negative risk-adjusted performance.

In calendar year 2025, Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option returned 5.87% — beating the Gilt Fund category average of 1.34% by 4.53 pp. It ranked #2 of 38 in its category that year.

Baroda BNP Paribas GILT FUND - Direct Plan - IDCW 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 BNP Paribas GILT FUND - Direct Plan - IDCW 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: 7.5%. 5-year CAGR: 3.46%.

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

Baroda BNP Paribas GILT FUND - Direct Plan - IDCW Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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