Should I invest in BARODA PIONEER MIP FUND?

We don't give personal investment advice. BARODA PIONEER MIP FUND-Growth 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: 5.1%. 5-year CAGR: 7.81%.

Baroda Pioneer

BARODA PIONEER MIP FUND-Growth 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%	-9.99%	+10.00	186 / 1129	Q1
1W	+1.07%	-13.04%	+14.11	44 / 1151	Q1
2W	-0.17%	-13.18%	+13.01	424 / 1149	Q2
1M	-1.07%	-13.26%	+12.19	587 / 1137	Q3
3M	-1.75%	-13.15%	+11.39	797 / 1116	Q3
6M	-1.21%	-15.45%	+14.25	582 / 906	Q3
YTD	-1.61%	-15.77%	+14.17	618 / 952	Q3
1Y	+3.44%	-13.09%	+16.53	356 / 820	Q2
2Y	+8.30%	-12.72%	+21.02	60 / 446	Q1
3Y	+9.06%	-11.01%	+20.07	23 / 385	Q1
4Y	+8.33%	-6.52%	+14.85	46 / 339	Q1
5Y	+7.81%	-7.36%	+15.17	61 / 314	Q1
7Y	+7.17%	+2.53%	+4.64	67 / 234	Q2
10Y	+8.23%	+3.14%	+5.09	9 / 101	Q1
Inception	+6.30%	-13.63%	+19.94	299 / 1199	Q1

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	-1.61%	-0.28%	-1.33	12 / 14
2021	+5.45%	+5.14%	+0.30	20 / 42
2020	+13.20%	+5.20%	+8.00	2 / 45
2019	+10.70%	-4.85%	+15.56	1 / 56
2018	+3.86%	+1.30%	+2.56	20 / 90
2017	+6.30%	+1.63%	+4.68	16 / 137
2016	+8.79%	+3.02%	+5.77	28 / 181
2015	+5.83%	+2.22%	+3.61	73 / 216
2014	+15.88%	+5.51%	+10.37	15 / 240
2013	+5.91%	-1.95%	+7.86	77 / 276
2012	+12.17%	+1.38%	+10.80	14 / 295

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

+6.71%

183 windows

min -2.6% · max 18.8%

96% positive

3-Year rolling

+6.74%

158 windows

min 1.2% · max 11.8%

100% positive

5-Year rolling

+6.91%

134 windows

min 2.4% · max 9.6%

100% positive

7-Year rolling

+7.18%

110 windows

min 3.3% · max 9.7%

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

4.54%

3-year · annualised

Sharpe ratio

0.50

vs risk-free 6.5%

Sortino ratio

1.28

Downside-only deviation

Max drawdown

-5.13%

Mar 2020 → Mar 2020

% positive months

69.4%

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	₹30.2136
11 Mar 2022	₹30.2092
10 Mar 2022	₹30.1914
9 Mar 2022	₹30.0821
8 Mar 2022	₹29.9599
7 Mar 2022	₹29.8931
4 Mar 2022	₹30.0818
3 Mar 2022	₹30.1768
2 Mar 2022	₹30.2344
28 Feb 2022	₹30.2661

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 MIP FUND-Growth 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 MIP FUND-Growth 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 MIP FUND-Growth 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 MIP FUND-Growth Plan has delivered a absolute return of 3.44% — +16.53 pp ahead of the Income category average of -13.09%. The fund ranks #356 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BARODA PIONEER MIP FUND-Growth Plan has delivered a CAGR of 9.06% — +20.07 pp ahead of the Income category average of -11.01%. The fund ranks #23 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, BARODA PIONEER MIP FUND-Growth Plan has delivered a CAGR of 7.81% — +15.17 pp ahead of the Income category average of -7.36%. The fund ranks #61 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in BARODA PIONEER MIP FUND-Growth Plan exactly 10 years ago would be worth approximately ₹220,555 today — a multiplier of 2.21×, based on the 10-year CAGR of 8.23%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in BARODA PIONEER MIP FUND-Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹726,209 today. That's an XIRR (money-weighted annualised return) of 7.57%.

A ₹10,000 monthly SIP for 10 years in BARODA PIONEER MIP FUND-Growth Plan = ₹1,200,000 invested. It would currently be worth ₹1,807,835 (multiplier 1.51×). XIRR: 7.95%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BARODA PIONEER MIP FUND-Growth Plan ranks #61 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 7.81%.

The worst peak-to-trough decline BARODA PIONEER MIP FUND-Growth Plan has experienced over the last 5-year window is 5.13% — its NAV fell from a high on 09 Mar 2020 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 MIP FUND-Growth Plan averaged 6.91% (best 9.63%, worst 2.44%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.26 — weak risk-adjusted performance.

In calendar year 2021, BARODA PIONEER MIP FUND-Growth Plan returned 5.45% — beating the Income category average of 5.14% by 0.30 pp. It ranked #20 of 42 in its category that year.

BARODA PIONEER MIP FUND-Growth 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 MIP FUND-Growth 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: 5.1%. 5-year CAGR: 7.81%.

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

BARODA PIONEER MIP FUND-Growth Plan

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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