Should I invest in BARODA PIONEER INCOME FUND?

We don't give personal investment advice. BARODA PIONEER INCOME 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: 10.3%. 5-year CAGR: 3.13%.

Baroda Pioneer

BARODA PIONEER INCOME 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	+0.03%	-9.99%	+10.02	106 / 1129	Q1
1W	+0.20%	-13.04%	+13.24	134 / 1151	Q1
2W	-0.02%	-13.18%	+13.16	382 / 1149	Q2
1M	+0.47%	-13.26%	+13.74	197 / 1137	Q1
3M	+3.65%	-13.15%	+16.80	33 / 1116	Q1
6M	+3.86%	-15.45%	+19.31	194 / 906	Q1
YTD	+0.15%	-15.77%	+15.92	401 / 952	Q2
1Y	-3.74%	-13.09%	+9.34	643 / 820	Q4
2Y	-1.05%	-12.72%	+11.67	341 / 446	Q4
3Y	-1.08%	-11.01%	+9.93	308 / 385	Q4
4Y	+0.60%	-6.52%	+7.12	192 / 339	Q3
5Y	+3.13%	-7.36%	+10.49	113 / 314	Q2
7Y	+4.22%	+2.53%	+1.69	94 / 234	Q2
10Y	+4.78%	+3.14%	+1.63	38 / 101	Q2
Inception	+4.74%	-13.63%	+18.37	330 / 1199	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
2019 YTD	+0.15%	-4.85%	+5.00	19 / 56
2018	-3.78%	+1.30%	-5.08	87 / 90
2017	+1.82%	+1.63%	+0.19	43 / 137
2016	-1.55%	+3.02%	-4.57	174 / 181
2015	+5.85%	+2.22%	+3.63	71 / 216
2014	+14.43%	+5.51%	+8.93	20 / 240
2013	+4.30%	-1.95%	+6.25	92 / 276
2012	+8.99%	+1.38%	+7.61	108 / 295
2011	+8.91%	-3.16%	+12.07	69 / 317
2010	+7.80%	-5.78%	+13.59	12 / 377
2009	+1.50%	-12.86%	+14.35	312 / 713

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

+4.92%

144 windows

min -8.7% · max 16.7%

86% positive

3-Year rolling

+5.61%

120 windows

min -2.1% · max 9.7%

92% positive

5-Year rolling

+6.23%

95 windows

min 1.9% · max 9.2%

100% positive

7-Year rolling

+6.31%

71 windows

min 4.2% · max 7.5%

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

6.09%

3-year · annualised

Sharpe ratio

-1.22

vs risk-free 6.5%

Sortino ratio

-1.38

Downside-only deviation

Max drawdown

-10.30%

Mar 2016 → Jun 2016

% 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
11 Jan 2019	₹22.0432
10 Jan 2019	₹22.0360
9 Jan 2019	₹22.0366
8 Jan 2019	₹22.0381
7 Jan 2019	₹21.9575
4 Jan 2019	₹21.9985
3 Jan 2019	₹22.0159
2 Jan 2019	₹22.0543
1 Jan 2019	₹22.0106
31 Dec 2018	₹22.0606

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 INCOME FUND-Dividend 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 INCOME 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 INCOME FUND-Dividend 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 INCOME FUND-Dividend Plan has delivered a absolute return of -3.74% — +9.34 pp ahead of the Income category average of -13.09%. The fund ranks #643 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BARODA PIONEER INCOME FUND-Dividend Plan has delivered a CAGR of -1.08% — +9.93 pp ahead of the Income category average of -11.01%. The fund ranks #308 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BARODA PIONEER INCOME FUND-Dividend Plan has delivered a CAGR of 3.13% — +10.49 pp ahead of the Income category average of -7.36%. The fund ranks #113 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in BARODA PIONEER INCOME FUND-Dividend Plan exactly 10 years ago would be worth approximately ₹159,448 today — a multiplier of 1.59×, based on the 10-year CAGR of 4.78%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in BARODA PIONEER INCOME FUND-Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹612,527 today. That's an XIRR (money-weighted annualised return) of 0.81%.

A ₹10,000 monthly SIP for 10 years in BARODA PIONEER INCOME FUND-Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,450,354 (multiplier 1.21×). XIRR: 3.71%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BARODA PIONEER INCOME FUND-Dividend Plan ranks #113 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 3.13%.

The worst peak-to-trough decline BARODA PIONEER INCOME FUND-Dividend Plan has experienced over the last 5-year window is 10.30% — its NAV fell from a high on 22 Mar 2016 to a low on 27 Jun 2016. 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 INCOME FUND-Dividend Plan averaged 6.23% (best 9.19%, worst 1.93%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.59 — negative risk-adjusted performance.

In calendar year 2018, BARODA PIONEER INCOME FUND-Dividend Plan returned -3.78% — lagging the Income category average of 1.30% by 5.08 pp. It ranked #87 of 90 in its category that year.

BARODA PIONEER INCOME 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 INCOME 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: 10.3%. 5-year CAGR: 3.13%.

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