Should I invest in Baroda Pioneer Treasury Advantage Fund?

We don't give personal investment advice. Baroda Pioneer Treasury Advantage Fund- Regular 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- Regular 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%	-14.54%	+14.56	57 / 373	Q1
1W	+0.04%	-15.89%	+15.93	106 / 369	Q2
2W	+0.02%	-15.78%	+15.80	115 / 371	Q2
1M	+0.21%	-16.05%	+16.26	102 / 373	Q2
3M	+0.66%	-17.27%	+17.94	113 / 366	Q2
6M	+1.23%	-30.18%	+31.41	131 / 393	Q2
YTD	+0.54%	-32.85%	+33.39	139 / 414	Q2
1Y	+3.73%	-15.79%	+19.53	109 / 309	Q2
2Y	+14.47%	-13.41%	+27.88	1 / 142	Q1
3Y	-9.53%	-6.89%	-2.64	83 / 95	Q4
4Y	-5.69%	+2.81%	-8.50	81 / 84	Q4
5Y	-3.23%	+2.94%	-6.17	72 / 76	Q4
7Y	-0.06%	+2.77%	-2.83	62 / 67	Q4
10Y	+2.61%	+2.81%	-0.19	17 / 38	Q2
Inception	+3.56%	-35.69%	+39.25	108 / 497	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	+0.54%	+0.83%	-0.29	7 / 12
2021	+3.95%	+4.64%	-0.69	7 / 19
2020	-11.19%	+1.41%	-12.60	17 / 19
2019	-19.26%	-4.98%	-14.28	18 / 21
2018	+6.87%	+2.69%	+4.18	2 / 23
2017	+7.50%	+2.12%	+5.38	1 / 30
2016	+8.51%	+3.89%	+4.62	10 / 45
2015	+8.00%	+2.84%	+5.15	1 / 66
2014	+8.76%	+4.08%	+4.68	15 / 76
2013	+8.99%	+2.34%	+6.65	6 / 76
2012	+9.84%	+3.72%	+6.12	6 / 78

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

+4.56%

143 windows

min -47.3% · max 36.3%

85% positive

3-Year rolling

+3.91%

119 windows

min -15.9% · max 9.5%

74% positive

5-Year rolling

+4.88%

95 windows

min -7.0% · max 9.0%

74% positive

7-Year rolling

+4.93%

70 windows

min -2.7% · max 8.8%

93% 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	₹1,560.6344
11 Mar 2022	₹1,560.3476
10 Mar 2022	₹1,560.1565
9 Mar 2022	₹1,559.9414
8 Mar 2022	₹1,559.9438
7 Mar 2022	₹1,560.0110
4 Mar 2022	₹1,560.2114
3 Mar 2022	₹1,560.2580
2 Mar 2022	₹1,560.0395
28 Feb 2022	₹1,560.3583

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- Regular Plan - Growth Option is a Income from Baroda Pioneer (Regular 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- Regular 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- Regular 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- Regular Plan - Growth Option has delivered a absolute return of 3.73% — +19.53 pp ahead of the Income category average of -15.79%. The fund ranks #109 of 309 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Baroda Pioneer Treasury Advantage Fund- Regular Plan - Growth Option has delivered a CAGR of -9.53% — -2.64 pp behind the Income category average of -6.89%. The fund ranks #83 of 95 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Baroda Pioneer Treasury Advantage Fund- Regular Plan - Growth Option has delivered a CAGR of -3.23% — -6.17 pp behind the Income category average of 2.94%. The fund ranks #72 of 76 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Baroda Pioneer Treasury Advantage Fund- Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹129,451 today — a multiplier of 1.29×, based on the 10-year CAGR of 2.61%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in Baroda Pioneer Treasury Advantage Fund- Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹558,214 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- Regular Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,189,414 (multiplier 0.99×). XIRR: -0.18%. 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- Regular Plan - Growth Option ranks #72 out of 76 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.94%; this fund delivered -3.23%.

The worst peak-to-trough decline Baroda Pioneer Treasury Advantage Fund- Regular 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- Regular Plan - Growth Option averaged 4.88% (best 9.02%, worst -6.96%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is -0.40 — negative risk-adjusted performance.

In calendar year 2021, Baroda Pioneer Treasury Advantage Fund- Regular Plan - Growth Option returned 3.95% — lagging the Income category average of 4.64% by 0.69 pp. It ranked #7 of 19 in its category that year.

Baroda Pioneer Treasury Advantage Fund- Regular 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- Regular 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.