Should I invest in BARODA PIONEER CHILDREN FUND-GIFT PLAN?

We don't give personal investment advice. BARODA PIONEER CHILDREN FUND-GIFT 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.

Baroda Pioneer

BARODA PIONEER CHILDREN FUND-GIFT PLAN

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	+0.00%	-9.99%	+9.99	255 / 1129	Q1
1W	+0.01%	-13.04%	+13.05	360 / 1151	Q2
2W	+0.03%	-13.18%	+13.21	327 / 1149	Q2
1M	+0.03%	-13.26%	+13.30	346 / 1137	Q2
3M	+0.07%	-13.15%	+13.22	390 / 1116	Q2
6M	-9.42%	-15.45%	+6.03	737 / 906	Q4
YTD	-9.45%	-15.77%	+6.33	774 / 952	Q4
1Y	-9.48%	-13.09%	+3.60	672 / 820	Q4
2Y	-6.70%	-12.72%	+6.02	369 / 446	Q4
3Y	-2.53%	-11.01%	+8.48	318 / 385	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-1.56%	-13.63%	+12.07	984 / 1199	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
2009 YTD	-9.45%	-12.86%	+3.41	587 / 713
2008	+1.17%	-2.02%	+3.19	148 / 380
2007	+0.64%	+4.84%	-4.20	117 / 142
2006	—	—	—	—

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

-0.11%

33 windows

min -9.5% · max 6.9%

79% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

-0.37%

9 windows

min -2.5% · max 1.4%

56% positive

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

5-Year rolling

—

Insufficient history

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

7.05%

3-year · annualised

Sharpe ratio

-1.25

vs risk-free 6.5%

Sortino ratio

-1.42

Downside-only deviation

Max drawdown

-13.12%

Oct 2007 → Sep 2009

% 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
23 Nov 2009	₹9.7272
20 Nov 2009	₹9.7270
19 Nov 2009	₹9.7270
18 Nov 2009	₹9.7267
17 Nov 2009	₹9.7265
16 Nov 2009	₹9.7262
13 Nov 2009	₹9.7253
12 Nov 2009	₹9.7250
11 Nov 2009	₹9.7247
10 Nov 2009	₹9.7245

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 CHILDREN FUND-GIFT 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 CHILDREN FUND-GIFT 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 CHILDREN FUND-GIFT 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 CHILDREN FUND-GIFT PLAN has delivered a absolute return of -9.48% — +3.6 pp ahead of the Income category average of -13.09%. The fund ranks #672 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BARODA PIONEER CHILDREN FUND-GIFT PLAN has delivered a CAGR of -2.53% — +8.48 pp ahead of the Income category average of -11.01%. The fund ranks #318 of 385 in its category — the bottom (Q4) quartile.

BARODA PIONEER CHILDREN FUND-GIFT PLAN doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in BARODA PIONEER CHILDREN FUND-GIFT PLAN exactly 3 years ago would be worth approximately ₹92,613 today — a multiplier of 0.93×, based on the 3-year CAGR of -2.53%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in BARODA PIONEER CHILDREN FUND-GIFT PLAN over the last 3 years — total invested ₹360,000 — would be worth ₹330,463 today. That's an XIRR (money-weighted annualised return) of -5.46%.

BARODA PIONEER CHILDREN FUND-GIFT PLAN doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹330,463 — XIRR -5.46%.

On a 3-year basis, BARODA PIONEER CHILDREN FUND-GIFT PLAN ranks #318 out of 385 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -11.01%; this fund delivered -2.53%.

The worst peak-to-trough decline BARODA PIONEER CHILDREN FUND-GIFT PLAN has experienced over the last 3-year window is 13.12% — its NAV fell from a high on 23 Oct 2007 to a low on 16 Sep 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, BARODA PIONEER CHILDREN FUND-GIFT PLAN averaged -0.37% (best 1.44%, worst -2.53%). 56% of rolling windows ended positive. The 3-year Sharpe ratio is -1.25 — negative risk-adjusted performance.

In calendar year 2008, BARODA PIONEER CHILDREN FUND-GIFT PLAN returned 1.17% — beating the Income category average of -2.02% by 3.19 pp. It ranked #148 of 380 in its category that year.

BARODA PIONEER CHILDREN FUND-GIFT 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 CHILDREN FUND-GIFT 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.

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