Should I invest in Baroda Pioneer Treasury Advantage Fund?

We don't give personal investment advice. Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option 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: 47.7%. 5-year CAGR: -3.23%.

Baroda Pioneer

Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 7 Feb 2011. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

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	+0.02%	+6.99%	-6.97	97 / 763	Q1
1W	+0.04%	+6.38%	-6.34	231 / 722	Q2
2W	+0.02%	+6.63%	-6.61	259 / 725	Q2
1M	+0.21%	+6.29%	-6.08	262 / 752	Q2
3M	+0.66%	+7.87%	-7.20	321 / 728	Q2
6M	+1.23%	+9.67%	-8.44	375 / 642	Q3
YTD	+0.54%	+8.47%	-7.93	361 / 666	Q3
1Y	+3.74%	+13.70%	-9.96	335 / 591	Q3
2Y	+14.48%	-5.03%	+19.51	4 / 197	Q1
3Y	-9.53%	-3.09%	-6.44	127 / 140	Q4
4Y	-5.68%	+1.62%	-7.30	114 / 119	Q4
5Y	-3.23%	-0.16%	-3.07	96 / 102	Q4
7Y	+0.14%	+2.05%	-1.91	37 / 64	Q3
10Y	+2.86%	+1.80%	+1.06	5 / 17	Q2
Inception	+3.76%	-3.28%	+7.04	344 / 797	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
2022 YTD	+0.54%	+1.75%	-1.21	4 / 7
2021	+3.95%	+1.83%	+2.12	1 / 9
2020	-11.18%	-0.53%	-10.65	11 / 11
2019	-19.26%	-5.77%	-13.49	11 / 13
2018	+6.87%	+1.72%	+5.15	1 / 15
2017	+7.50%	+0.74%	+6.76	1 / 23
2016	+9.18%	+195.67%	-186.48	6 / 38
2015	+9.00%	+2.23%	+6.77	1 / 65
2014	+9.33%	+2.77%	+6.56	18 / 82
2013	+9.21%	+1.77%	+7.44	10 / 101
2012	+9.97%	-0.30%	+10.28	6 / 113

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

+4.79%

143 windows

min -47.3% · max 36.3%

85% positive

3-Year rolling

+4.17%

119 windows

min -15.9% · max 9.6%

74% positive

5-Year rolling

+5.20%

95 windows

min -6.7% · max 9.5%

74% positive

7-Year rolling

+5.27%

70 windows

min -2.4% · max 9.1%

94% 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

25.11%

3-year · annualised

Sharpe ratio

-0.52

vs risk-free 6.5%

Sortino ratio

-0.65

Downside-only deviation

Max drawdown

-47.75%

May 2019 → May 2020

% positive months

77.8%

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	₹1,600.3944
11 Mar 2022	₹1,600.0967
10 Mar 2022	₹1,599.8990
9 Mar 2022	₹1,599.6767
8 Mar 2022	₹1,599.6775
7 Mar 2022	₹1,599.7464
4 Mar 2022	₹1,599.9516
3 Mar 2022	₹1,599.9994
2 Mar 2022	₹1,599.7753
28 Feb 2022	₹1,600.1023

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 Treasury Advantage Fund- Institutional Plan- Growth Option is a Income from Baroda Pioneer (Institutional 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 Treasury Advantage Fund- Institutional Plan- Growth Option has NAV history starting from 29 Jun 2009, a track record of about 16 years 11 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 Treasury Advantage Fund- Institutional Plan- Growth Option 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 Treasury Advantage Fund- Institutional Plan- Growth Option has delivered a absolute return of 3.74% — -9.96 pp behind the Income category average of 13.70%. The fund ranks #335 of 591 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option has delivered a CAGR of -9.53% — -6.44 pp behind the Income category average of -3.09%. The fund ranks #127 of 140 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option has delivered a CAGR of -3.23% — -3.07 pp behind the Income category average of -0.16%. The fund ranks #96 of 102 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option exactly 10 years ago would be worth approximately ₹132,589 today — a multiplier of 1.33×, based on the 10-year CAGR of 2.86%. The category average over the same window would have grown ₹1 lakh to ₹119,538.

A ₹10,000 monthly SIP in Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹558,243 today. That's an XIRR (money-weighted annualised return) of -2.83%.

A ₹10,000 monthly SIP for 10 years in Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,199,511 (multiplier 1.00×). XIRR: -0.01%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option ranks #96 out of 102 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -0.16%; this fund delivered -3.23%.

The worst peak-to-trough decline Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option has experienced over the last 5-year window is 47.75% — its NAV fell from a high on 02 May 2019 to a low on 19 May 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 Treasury Advantage Fund- Institutional Plan- Growth Option averaged 5.20% (best 9.50%, worst -6.73%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is -0.39 — negative risk-adjusted performance.

In calendar year 2021, Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option returned 3.95% — beating the Income category average of 1.83% by 2.12 pp. It ranked #1 of 9 in its category that year.

Baroda Pioneer Treasury Advantage Fund- Institutional Plan- Growth Option 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 Treasury Advantage Fund- Institutional Plan- Growth Option 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: 47.7%. 5-year CAGR: -3.23%.

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