Should I invest in Baroda Pioneer Treasury Advantage Fund - Monthly Dividend Option?

We don't give personal investment advice. Baroda Pioneer Treasury Advantage Fund- Regular Plan - Monthly Dividend 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: 48.3%. 5-year CAGR: -6.07%.

Baroda Pioneer

Baroda Pioneer Treasury Advantage Fund- Regular Plan - Monthly Dividend 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	58 / 373	Q1
1W	+0.04%	-15.89%	+15.93	107 / 369	Q2
2W	+0.02%	-15.78%	+15.80	113 / 371	Q2
1M	+0.21%	-16.05%	+16.26	100 / 373	Q2
3M	+0.66%	-17.27%	+17.94	115 / 366	Q2
6M	+1.23%	-30.18%	+31.40	133 / 393	Q2
YTD	+0.54%	-32.85%	+33.39	140 / 414	Q2
1Y	+3.73%	-15.79%	+19.52	111 / 309	Q2
2Y	+14.47%	-13.41%	+27.87	3 / 142	Q1
3Y	-9.90%	-6.89%	-3.01	86 / 95	Q4
4Y	-7.47%	+2.81%	-10.28	84 / 84	Q4
5Y	-6.07%	+2.94%	-9.00	75 / 76	Q4
7Y	-4.36%	+2.77%	-7.13	67 / 67	Q4
10Y	-3.07%	+2.81%	-5.88	38 / 38	Q4
Inception	-2.38%	-35.69%	+33.31	308 / 497	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
2022 YTD	+0.54%	+0.83%	-0.29	8 / 12
2021	+3.94%	+4.64%	-0.70	9 / 19
2020	-11.19%	+1.41%	-12.60	18 / 19
2019	-20.83%	-4.98%	-15.85	21 / 21
2018	-0.14%	+2.69%	-2.83	23 / 23
2017	-0.12%	+2.12%	-2.24	26 / 30
2016	+0.61%	+3.89%	-3.28	30 / 45
2015	-0.16%	+2.84%	-3.00	58 / 66
2014	-0.01%	+4.08%	-4.09	59 / 76
2013	+0.05%	+2.34%	-2.29	44 / 76
2012	-0.10%	+3.72%	-3.82	69 / 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

-1.86%

143 windows

min -47.3% · max 36.3%

55% positive

3-Year rolling

-3.07%

119 windows

min -19.6% · max 0.3%

41% positive

5-Year rolling

-2.36%

95 windows

min -12.3% · max 0.2%

45% positive

7-Year rolling

-2.31%

70 windows

min -8.9% · max 0.1%

30% 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

25.10%

3-year · annualised

Sharpe ratio

-0.54

vs risk-free 6.5%

Sortino ratio

-0.67

Downside-only deviation

Max drawdown

-48.17%

Mar 2019 → May 2020

% positive months

75.0%

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	₹736.4666
11 Mar 2022	₹736.3310
10 Mar 2022	₹736.2408
9 Mar 2022	₹736.1392
8 Mar 2022	₹736.1405
7 Mar 2022	₹736.1719
4 Mar 2022	₹736.2664
3 Mar 2022	₹736.2884
2 Mar 2022	₹736.1854
28 Feb 2022	₹736.3359

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 - Monthly Dividend 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 - Monthly Dividend 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 - Monthly Dividend 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 - Monthly Dividend Option has delivered a absolute return of 3.73% — +19.52 pp ahead of the Income category average of -15.79%. The fund ranks #111 of 309 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Baroda Pioneer Treasury Advantage Fund- Regular Plan - Monthly Dividend Option has delivered a CAGR of -9.90% — -3.01 pp behind the Income category average of -6.89%. The fund ranks #86 of 95 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Baroda Pioneer Treasury Advantage Fund- Regular Plan - Monthly Dividend Option has delivered a CAGR of -6.07% — -9 pp behind the Income category average of 2.94%. The fund ranks #75 of 76 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Baroda Pioneer Treasury Advantage Fund- Regular Plan - Monthly Dividend Option exactly 10 years ago would be worth approximately ₹73,223 today — a multiplier of 0.73×, based on the 10-year CAGR of -3.07%. 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 - Monthly Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹543,276 today. That's an XIRR (money-weighted annualised return) of -3.90%.

A ₹10,000 monthly SIP for 10 years in Baroda Pioneer Treasury Advantage Fund- Regular Plan - Monthly Dividend Option = ₹1,200,000 invested. It would currently be worth ₹982,421 (multiplier 0.82×). XIRR: -4.02%. 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 - Monthly Dividend Option ranks #75 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 -6.07%.

The worst peak-to-trough decline Baroda Pioneer Treasury Advantage Fund- Regular Plan - Monthly Dividend Option has experienced over the last 5-year window is 48.33% — its NAV fell from a high on 28 Apr 2017 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 - Monthly Dividend Option averaged -2.36% (best 0.16%, worst -12.28%). 45% of rolling windows ended positive. The 5-year Sharpe ratio is -0.55 — negative risk-adjusted performance.

In calendar year 2021, Baroda Pioneer Treasury Advantage Fund- Regular Plan - Monthly Dividend Option returned 3.94% — lagging the Income category average of 4.64% by 0.70 pp. It ranked #9 of 19 in its category that year.

Baroda Pioneer Treasury Advantage Fund- Regular Plan - Monthly Dividend 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 - Monthly Dividend 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: 48.3%. 5-year CAGR: -6.07%.

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