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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Banking and PSU Fund • CRISIL Banking and PSU Debt Index
Baroda BNP Paribas Banking and PSU Bond Fund(G)-Direct Plan
1 Finance Rank:
22
221 Finance Score:
23100
Yield To Maturity Score
-
Quality & Diversification Score
60
Standard Deviation Score
-
Modified Duration Score
-
AUM Score
-
Historical Performance score
74
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
—(As on 31-Mar-2026)NAV
₹ 13.1906(As on 16-Oct-2025)Expense Ratio
0.39%(As on 31-Mar-2026)Investment Horizon
3 to 5 years
22
Debt • Banking and PSU Fund • CRISIL Banking and PSU Debt Index
Baroda BNP Paribas Banking and PSU Bond Fund(G)-Direct Plan
This fund ranks 22nd out of 22 funds in its category.
AUM—(As on 31-Mar-2026)
NAV₹ 13.1906(As on 16-Oct-2025)
Expense Ratio0.39%(As on 31-Mar-2026)
Investment Horizon3 to 5 years
1 Finance Score: 23/100
Yield To Maturity Score
-
Quality & Diversification Score
60
Standard Deviation Score
-
Modified Duration Score
-
AUM Score
-
Historical Performance score
74
Fundamental Ratios
Modified Duration
-Average Maturity
4.36 yearsYield To Maturity
-Standard Deviation
0.06%Portfolio summary
Asset Allocation
Debt
Others
87.46%
12.54%
Credit Rating
AAA
70.00%
SOV
17.47%
Cash Eqv.
11.97%
Others
0.00%
AA
0.00%
Debt Sector Allocation
Bank
22.87%
Finance
18.96%
G-Sec
17.47%
Cash & Cash Equivalents
11.97%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 07.32% GOI - 13-Nov-2030 | 17.47% |
| Clearing Corporation Of India Ltd. | 8.99% |
| Export-Import Bank Of India SR-R-21 08.15% (21-Jan-2030) | 7.79% |
| National Highways Authority of India - SR IV 08.37% (21-Jan-2029) | 7.77% |
| National Bank For Agriculture & Rural Development SR 23I 7.62% (31-Jan-2028) | 7.55% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Potential for higher returns as the fund maintains a high Net Yield to Maturity (YTM).
High AUM often signifies stability and credibility, along with being well diversified.
Great track record of generating high returns by managing the portfolio dynamically.
The fund demonstrates a low level of volatility as the standard deviation is low.
Cons
High modified duration indicates higher sensitivity to interest rate changes, suggesting higher risk for the fund.
Should you invest?
Invest if you are :
- Those looking to invest in a high-quality portfolio for 3 to 5 years and are willing to accept a slightly lower returns, should consider this fund.
- Conservative investors should invest in this fund.
Avoid if you are :
- Moderate to high risk takers should avoid this fund.
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- The primary objective of the Scheme is to provide regular income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks, Public Sector Undertakings (PSUs), Public Financial Institutions and Municipal Bonds. However, there is no assurance that the investment objective of the Scheme will be realized.
Exit Load
- Nil
Minimum investment amount
Lumpsum
₹ 5000 (open for subscription)
Other details
Founded In2020
Email Addresscs.barodabnppmf@kfintech.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Gurvinder Singh Wasan | 14.6 | 14 |
About Baroda BNP Paribas
- A joint venture between Bank of Baroda and BNP Paribas Asset Management, Baroda BNP Paribas Mutual Fund combines deep local reach in India with global investment expertise, offering a variety of mutual fund products.
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more