Should I invest in BARODA PIONEER BALANCE FUND?

We don't give personal investment advice. BARODA PIONEER BALANCE FUND-Dividend Plan is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 43.0%. 5-year CAGR: 1.41%.

Baroda Pioneer

BARODA PIONEER BALANCE FUND-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%	+0.06%	-0.06	27 / 37	Q3
1W	+3.80%	-7.52%	+11.32	2 / 40	Q1
2W	+0.26%	-7.64%	+7.90	23 / 40	Q3
1M	-2.80%	-7.66%	+4.86	35 / 40	Q4
3M	-5.06%	-9.18%	+4.12	32 / 40	Q4
6M	-4.96%	-5.67%	+0.71	30 / 39	Q4
YTD	-4.33%	-3.70%	-0.63	29 / 40	Q3
1Y	+6.99%	-4.99%	+11.98	19 / 41	Q2
2Y	+17.69%	-11.97%	+29.65	7 / 40	Q1
3Y	+4.95%	-14.60%	+19.55	13 / 38	Q2
4Y	+0.88%	-20.79%	+21.67	15 / 29	Q3
5Y	+1.41%	-6.40%	+7.81	16 / 25	Q3
7Y	-4.62%	-10.74%	+6.12	16 / 19	Q4
10Y	-3.84%	+8.18%	-12.02	12 / 12	Q4
Inception	-1.66%	-12.19%	+10.53	36 / 44	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	-4.33%	-4.32%	-0.01	2 / 2
2021	+20.91%	+21.97%	-1.06	4 / 6
2020	+7.26%	+9.70%	-2.44	4 / 6
2019	-5.02%	+0.00%	-5.03	5 / 6
2018	-16.43%	-5.84%	-10.59	12 / 12
2017	+17.52%	+22.13%	-4.61	10 / 12
2016	-7.48%	+3.05%	-10.53	13 / 14
2015	-47.79%	-3.73%	-44.06	14 / 14
2014	+14.09%	+7.48%	+6.61	14 / 19
2013	-0.89%	+0.94%	-1.83	16 / 21
2012	+22.58%	+19.42%	+3.16	9 / 25

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

+1.65%

183 windows

min -49.7% · max 57.4%

51% positive

3-Year rolling

-2.43%

158 windows

min -18.6% · max 20.0%

44% positive

5-Year rolling

-3.16%

134 windows

min -15.5% · max 11.0%

44% positive

7-Year rolling

-4.02%

110 windows

min -11.8% · max 4.8%

25% 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

15.08%

3-year · annualised

Sharpe ratio

-0.03

vs risk-free 6.5%

Sortino ratio

-0.04

Downside-only deviation

Max drawdown

-32.45%

Jun 2019 → Mar 2020

% 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.

Recent NAVs

Date	NAV
13 Mar 2022	₹18.8086
11 Mar 2022	₹18.8096
10 Mar 2022	₹18.7262
9 Mar 2022	₹18.5722
8 Mar 2022	₹18.3000
7 Mar 2022	₹18.1200
4 Mar 2022	₹18.3800
3 Mar 2022	₹18.5800
2 Mar 2022	₹18.6400
28 Feb 2022	₹18.7600

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 BALANCE FUND-Dividend Plan is a Balanced 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 BALANCE FUND-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 BALANCE FUND-Dividend Plan is managed by Baroda Pioneer. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BARODA PIONEER BALANCE FUND-Dividend Plan has delivered a absolute return of 6.99% — +11.98 pp ahead of the Balanced category average of -4.99%. The fund ranks #19 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BARODA PIONEER BALANCE FUND-Dividend Plan has delivered a CAGR of 4.95% — +19.55 pp ahead of the Balanced category average of -14.60%. The fund ranks #13 of 38 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BARODA PIONEER BALANCE FUND-Dividend Plan has delivered a CAGR of 1.41% — +7.81 pp ahead of the Balanced category average of -6.40%. The fund ranks #16 of 25 in its category — the third (Q3) quartile.

₹1 lakh invested in BARODA PIONEER BALANCE FUND-Dividend Plan exactly 10 years ago would be worth approximately ₹67,584 today — a multiplier of 0.68×, based on the 10-year CAGR of -3.84%. The category average over the same window would have grown ₹1 lakh to ₹219,429.

A ₹10,000 monthly SIP in BARODA PIONEER BALANCE FUND-Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹679,813 today. That's an XIRR (money-weighted annualised return) of 4.94%.

A ₹10,000 monthly SIP for 10 years in BARODA PIONEER BALANCE FUND-Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,153,144 (multiplier 0.96×). XIRR: -0.79%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BARODA PIONEER BALANCE FUND-Dividend Plan ranks #16 out of 25 funds in the Balanced category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -6.40%; this fund delivered 1.41%.

The worst peak-to-trough decline BARODA PIONEER BALANCE FUND-Dividend Plan has experienced over the last 5-year window is 42.99% — its NAV fell from a high on 29 Dec 2017 to a low on 23 Mar 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 BALANCE FUND-Dividend Plan averaged -3.16% (best 10.98%, worst -15.50%). 44% of rolling windows ended positive. The 5-year Sharpe ratio is -0.32 — negative risk-adjusted performance.

In calendar year 2021, BARODA PIONEER BALANCE FUND-Dividend Plan returned 20.91% — lagging the Balanced category average of 21.97% by 1.06 pp. It ranked #4 of 6 in its category that year.

BARODA PIONEER BALANCE FUND-Dividend Plan is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. BARODA PIONEER BALANCE FUND-Dividend Plan is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 43.0%. 5-year CAGR: 1.41%.

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