Should I invest in BARODA PIONEER DIVERSIFIED FUND?

We don't give personal investment advice. BARODA PIONEER DIVERSIFIED FUND is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding.

Baroda Pioneer

BARODA PIONEER DIVERSIFIED FUND

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	-0.81%	+0.06%	-0.87	277 / 299	Q4
1W	-5.56%	-3.61%	-1.95	275 / 303	Q4
2W	-7.88%	-4.52%	-3.36	262 / 303	Q4
1M	-5.61%	-5.64%	+0.03	226 / 302	Q3
3M	+3.88%	-4.27%	+8.15	107 / 302	Q2
6M	+49.71%	+1.48%	+48.23	10 / 307	Q1
YTD	+65.88%	-0.18%	+66.06	6 / 309	Q1
1Y	+86.16%	+7.10%	+79.05	6 / 307	Q1
2Y	-12.21%	+2.20%	-14.41	249 / 303	Q4
3Y	+6.82%	+0.76%	+6.06	123 / 264	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+4.42%	+0.51%	+3.90	161 / 310	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
2009 YTD	+65.88%	+65.86%	+0.02	144 / 238
2008	-57.52%	-52.86%	-4.66	106 / 198
2007	+64.61%	+42.91%	+21.70	24 / 137
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

+7.38%

32 windows

min -58.8% · max 86.2%

59% positive

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

3-Year rolling

+4.45%

8 windows

min -10.8% · max 11.9%

75% 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

38.32%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.28

Downside-only deviation

Max drawdown

-63.96%

Jan 2008 → Oct 2008

% positive months

61.1%

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
30 Oct 2009	₹36.7100
29 Oct 2009	₹37.0100
28 Oct 2009	₹37.5800
27 Oct 2009	₹37.7100
26 Oct 2009	₹38.5400
23 Oct 2009	₹38.8700
22 Oct 2009	₹38.8100
21 Oct 2009	₹39.3100
20 Oct 2009	₹39.6800
16 Oct 2009	₹39.8500

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 DIVERSIFIED FUND is a Growth from Baroda Pioneer (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

BARODA PIONEER DIVERSIFIED FUND 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 DIVERSIFIED FUND is managed by Baroda Pioneer. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BARODA PIONEER DIVERSIFIED FUND has delivered a absolute return of 86.16% — +79.05 pp ahead of the Growth category average of 7.10%. The fund ranks #6 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, BARODA PIONEER DIVERSIFIED FUND has delivered a CAGR of 6.82% — +6.06 pp ahead of the Growth category average of 0.76%. The fund ranks #123 of 264 in its category — the second (Q2) quartile.

BARODA PIONEER DIVERSIFIED FUND 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 DIVERSIFIED FUND exactly 3 years ago would be worth approximately ₹121,879 today — a multiplier of 1.22×, based on the 3-year CAGR of 6.82%. The category average over the same window would have grown ₹1 lakh to ₹102,292.

A ₹10,000 monthly SIP in BARODA PIONEER DIVERSIFIED FUND over the last 3 years — total invested ₹360,000 — would be worth ₹428,035 today. That's an XIRR (money-weighted annualised return) of 11.54%.

BARODA PIONEER DIVERSIFIED FUND doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹428,035 — XIRR 11.54%.

On a 3-year basis, BARODA PIONEER DIVERSIFIED FUND ranks #123 out of 264 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.76%; this fund delivered 6.82%.

The worst peak-to-trough decline BARODA PIONEER DIVERSIFIED FUND has experienced over the last 3-year window is 63.96% — its NAV fell from a high on 07 Jan 2008 to a low on 27 Oct 2008. 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 DIVERSIFIED FUND averaged 4.45% (best 11.87%, worst -10.81%). 75% of rolling windows ended positive. The 3-year Sharpe ratio is 0.19 — weak risk-adjusted performance.

In calendar year 2008, BARODA PIONEER DIVERSIFIED FUND returned -57.52% — lagging the Growth category average of -52.86% by 4.66 pp. It ranked #106 of 198 in its category that year.

BARODA PIONEER DIVERSIFIED FUND doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. BARODA PIONEER DIVERSIFIED FUND is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

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.