Should I invest in BARODA PIONEER GILT FUND?

We don't give personal investment advice. BARODA PIONEER GILT FUND-Dividend 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. Worst 5-year drawdown: 7.9%. 5-year CAGR: 2.44%.

Baroda Pioneer

BARODA PIONEER GILT FUND-Dividend Plan

Latest NAV

₹25.4008

As of

3 Jun 2026

4,870 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	+0.08%	+0.05%	+0.03	19 / 50	Q2
1W	+0.13%	+0.10%	+0.04	17 / 50	Q2
2W	+0.60%	+0.33%	+0.27	13 / 50	Q2
1M	+0.02%	+0.17%	-0.15	30 / 50	Q3
3M	-0.97%	-0.05%	-0.92	33 / 49	Q3
6M	-0.02%	+0.58%	-0.60	29 / 48	Q3
YTD	-0.36%	+0.44%	-0.80	33 / 48	Q3
1Y	-0.82%	-0.07%	-0.75	28 / 48	Q3
2Y	+5.09%	+3.72%	+1.37	18 / 47	Q2
3Y	+3.09%	+4.38%	-1.29	34 / 46	Q3
4Y	+4.52%	+4.72%	-0.19	32 / 44	Q3
5Y	+2.44%	+3.72%	-1.27	31 / 42	Q3
7Y	+3.00%	+4.46%	-1.46	31 / 42	Q3
10Y	+2.73%	+4.82%	-2.08	32 / 42	Q4
Inception	+4.35%	+5.09%	-0.73	30 / 50	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	-0.36%	+0.03%	-0.39	20 / 35
2025	+5.54%	+3.16%	+2.38	2 / 37
2024	+2.08%	+7.11%	-5.03	33 / 37
2023	+7.13%	+5.56%	+1.57	14 / 37
2022	-3.65%	+1.37%	-5.02	36 / 37
2021	-2.59%	+1.03%	-3.62	35 / 37
2020	+8.69%	+8.25%	+0.44	26 / 37
2019	+9.22%	+8.56%	+0.67	20 / 37
2018	-1.97%	+3.47%	-5.44	46 / 47
2017	+0.67%	+0.07%	+0.60	22 / 47
2016	0.00%	+11.27%	-11.27	42 / 46

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

+4.62%

234 windows

min -10.8% · max 19.7%

77% positive

3-Year rolling

+4.47%

210 windows

min -1.6% · max 14.1%

94% positive

5-Year rolling

+4.47%

185 windows

min -0.4% · max 9.7%

98% positive

7-Year rolling

+4.34%

161 windows

min 1.3% · max 8.2%

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

5.23%

3-year · annualised

Sharpe ratio

-0.63

vs risk-free 6.5%

Sortino ratio

-0.77

Downside-only deviation

Max drawdown

-7.45%

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-Long Term-Dividend	HDFC	₹12.0577	3 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹20.7036	3 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.1914	3 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6205	3 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.6326	3 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.3761	3 Jun 2026
BARODA PIONEER GILT FUND-Growth Plan	Baroda Pioneer	₹42.7947	3 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹75.5222	3 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.5331	3 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.2250	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹25.4008
2 Jun 2026	₹25.4312
1 Jun 2026	₹25.4119
29 May 2026	₹25.4217
27 May 2026	₹25.4006
26 May 2026	₹25.3970
25 May 2026	₹25.3954
22 May 2026	₹25.2924
21 May 2026	₹25.2799
20 May 2026	₹25.3154

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 03 Jun 2026, the NAV of BARODA PIONEER GILT FUND-Dividend Plan is ₹25.4008. It's a Gilt Fund from Baroda Pioneer, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BARODA PIONEER GILT 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 GILT FUND-Dividend Plan is managed by Baroda Pioneer. 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 PIONEER GILT FUND-Dividend Plan has delivered a absolute return of -0.82% — -0.75 pp behind the Gilt Fund category average of -0.07%. The fund ranks #28 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BARODA PIONEER GILT FUND-Dividend Plan has delivered a CAGR of 3.09% — -1.29 pp behind the Gilt Fund category average of 4.38%. The fund ranks #34 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, BARODA PIONEER GILT FUND-Dividend Plan has delivered a CAGR of 2.44% — -1.27 pp behind the Gilt Fund category average of 3.72%. The fund ranks #31 of 42 in its category — the third (Q3) quartile.

₹1 lakh invested in BARODA PIONEER GILT FUND-Dividend Plan exactly 10 years ago would be worth approximately ₹130,967 today — a multiplier of 1.31×, based on the 10-year CAGR of 2.73%. The category average over the same window would have grown ₹1 lakh to ₹160,073.

A ₹10,000 monthly SIP in BARODA PIONEER GILT FUND-Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹651,832 today. That's an XIRR (money-weighted annualised return) of 3.27%.

A ₹10,000 monthly SIP for 10 years in BARODA PIONEER GILT FUND-Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,392,550 (multiplier 1.16×). XIRR: 2.92%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BARODA PIONEER GILT FUND-Dividend Plan ranks #31 out of 42 funds in the Gilt Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.72%; this fund delivered 2.44%.

The worst peak-to-trough decline BARODA PIONEER GILT FUND-Dividend Plan has experienced over the last 5-year window is 7.88% — 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 PIONEER GILT FUND-Dividend Plan averaged 4.47% (best 9.68%, worst -0.35%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is -0.80 — negative risk-adjusted performance.

In calendar year 2025, BARODA PIONEER GILT FUND-Dividend Plan returned 5.54% — beating the Gilt Fund category average of 3.16% by 2.38 pp. It ranked #2 of 37 in its category that year.

BARODA PIONEER GILT FUND-Dividend 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 GILT FUND-Dividend 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. Worst 5-year drawdown: 7.9%. 5-year CAGR: 2.44%.

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