mutual funds baroda bnp paribas retirement fund directgrowth

holdings

Baroda BNP Paribas Retirement Fund Direct-Growth

Hybrid: Aggressive Hybrid - Growth (Open ended)

Baroda BNP Paribas Retirement Fund Direct-GrowthNAV: 11.94 as on 16 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Very HighCategory: Hybrid: Aggressive HybridBenchmark: CRISIL Hybrid 35+65 Aggressive Index

NAV: ₹11.94-0.11%

16 Jul 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Baroda BNP Paribas Retirement Fund Direct-Growth.

Asset Allocation

As on 30 Jun 2026

Equity

71.73%

Debt

27.97%

Others

0.30%

Market Cap Distribution

Large Cap (59.6%)

Mid Cap (25.7%)

Small Cap (14.8%)

Historical Asset Allocation

Asset	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Equity	71.73%	68.99%	70.98%	69.17%	72.01%	73.32%
Debt	27.97%	32.86%	29.23%	30.14%	25.30%	23.79%
Others (incl. cash)	0.30%	-1.85%	-0.21%	0.69%	0.52%	0.44%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	0.00%	0.00%	0.00%	0.00%	2.17%	2.45%

Portfolio Snapshot

No. of Securities

P/E Ratio

26.47

P/B Ratio

3.88

Top Holding %

18.57%

Top 5 Holdings %

31.31%

Top 10 Holdings %

41.49%

Modified Duration

9.45 yrs

Avg. Maturity

28.83 yrs

Yield to Maturity

7.50%

AUM

₹395 Cr

Expense Ratio

1.25%

Since Inception

8.67%

Max Drawdown

-0.12%

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
HDFC Bank Ltd.	Financial	1,50,000	11.97	3.03%	0.15%↑
Larsen & Toubro Ltd.	Construction	27,500	11.39	2.88%	0.25%↑
ICICI Bank Ltd.	Financial	80,000	11	2.78%	0.19%↑
State Bank of India	Financial	90,000	9.24	2.34%	0.10%↑
Axis Bank Ltd.	Financial	57,500	7.74	1.96%	0.05%↑
Bharti Airtel Ltd.	Communication	41,515	7.69	1.94%	-0.02%↓
Bharat Heavy Electricals Ltd.	Capital Goods	1,82,049	7.54	1.91%	-0.34%↓
Titan Company Ltd.	Consumer Discretionary	17,000	7.49	1.89%	0.10%↑
Divis Laboratories Ltd.	Healthcare	11,000	7.24	1.83%	-0.06%↓
Hitachi Energy India Ltd.	Capital Goods	2,000	6.98	1.77%	-0.78%↓
Navin Fluorine International Ltd.	Chemicals	8,840	6.8	1.72%	0.09%↑
Multi Commodity Exchange Of India Ltd.	Services	23,000	6.53	1.65%	-0.10%↓
Reliance Industries Ltd.	Energy	50,000	6.47	1.64%	-1.15%↓
Radico Khaitan Ltd.	Consumer Staples	15,703	6.2	1.57%	0.12%↑
Mahindra & Mahindra Ltd.	Automobile	20,000	6.14	1.55%	0.29%↑
GE Vernova T&D India Ltd	Capital Goods	12,000	5.93	1.50%	-0.09%↓
Hindustan Petroleum Corporation Ltd.	Energy	1,50,000	5.92	1.50%	-0.02%↓
Britannia Industries Ltd.	Consumer Staples	11,350	5.84	1.48%	-0.04%↓
Travel Food Services Ltd.	Services	44,038	5.83	1.47%	0.08%↑
Nippon Life India Asset Management Ltd.	Financial	50,000	5.81	1.47%	0.05%↑

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Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.

Sector	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Financial	23.16%	19.15%	19.82%	19.57%	21.94%	21.99%
Capital Goods	8.02%	9.34%	8.41%	7.08%	7.03%	6.13%
Services	5.97%	6.94%	10.54%	10.22%	11.32%	12.24%
Automobile	5.79%	5.32%	4.31%	4.45%	4.78%	4.61%
Healthcare	4.45%	3.21%	4.74%	4.69%	4.72%	4.58%
Energy	4.07%	4.31%	3.04%	3.10%	2.89%	2.91%
Chemicals	3.77%	2.67%	2.63%	2.61%	2.35%	2.29%
Technology	3.19%	4.19%	4.90%	5.29%	4.84%	6.22%
Consumer Staples	3.05%	2.97%	3.11%	2.91%	2.80%	2.84%
Construction	2.88%	2.63%	2.48%	2.35%	2.34%	2.38%
Communication	1.94%	1.96%	2.03%	2.08%	1.98%	2.08%
Consumer Discretionary	1.89%	1.79%	1.76%	1.73%	1.70%	1.57%
Materials	1.48%	1.69%	1.92%	1.89%	2.20%	2.31%
Insurance	1.34%	1.42%	-	-	-	-
Metals & Mining	0.73%	1.40%	1.29%	1.20%	1.12%	1.17%

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
SOV	23.61%	7.13%
Cash & Call Money	2.33%	4.18%
AAA	1.28%	5.95%
AA+	1.05%	1.94%
A	-	0.03%
A+	-	0.19%
A1+	-	2.67%
AA	-	0.65%
AA-	-	0.16%
B+	-	0.00%
BBB	-	0.00%
Cash	-	0.20%
D	-	2.38%
Others	-	0.13%
Term Deposits	-	0.06%
Unrated	-	0.00%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

40.4 / 100

Weighted average Value score is 40.4. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

62.1 / 100

Weighted average Price Momentum score is 62.1. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

73.1 / 100

Weighted average Quality score is 73.1. This indicates that portfolio has average quality using composite of quality measures.

QVM score

66.9 / 100

Weighted average QVM score is 66.9. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Negative cash flow from operations

Following companies have not generated positive operating cash flow for 2 consecutive financial years: Bajaj Finance Ltd., Cholamandalam Investment and Finance Company Ltd., The India Cements Ltd., OLA Electric Mobility Ltd., PNB Housing Finance Ltd.

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
TVS Motor Company Ltd.	3.43

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
GOI	GOI Securities	6.90%	15/04/2065	SOV	18.57%
GOI	GOI Securities	7.34%	22/04/2064	SOV	4.05%
Others	CBLO	0.00%	0	-	2.03%
Jamnagar Utilities and Power Pvt. Ltd.	Debenture	7.90%	10/08/2028	CRISIL AAA	1.28%
Piramal Finance Ltd.	Debenture	6.75%	26/09/2031	ICRA AA+	1.05%
GOI	GOI Securities	6.01%	21/07/2030	SOV	0.50%
GOI	GOI Securities	7.09%	05/08/2054	SOV	0.49%

Frequently Asked Questions

What are the top holdings of Baroda BNP Paribas Retirement Fund Direct-Growth?

The top holdings of Baroda BNP Paribas Retirement Fund Direct-Growth as of 30 Jun 2026 are GOI (18.57%), GOI (4.05%), HDFC Bank Ltd. (3.03%), Larsen & Toubro Ltd. (2.88%), ICICI Bank Ltd. (2.78%). These top 5 stocks together account for 31.31% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does Baroda BNP Paribas Retirement Fund Direct-Growth hold in its portfolio?

Baroda BNP Paribas Retirement Fund Direct-Growth holds 60 stocks in its portfolio as of 30 Jun 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.

What is the sector allocation of Baroda BNP Paribas Retirement Fund Direct-Growth?

As of 30 Jun 2026, Baroda BNP Paribas Retirement Fund Direct-Growth's top sector allocations are Financial (23.16%), Capital Goods (8.02%), Services (5.97%). You can find detailed sector allocation above.

What is the equity and debt allocation of Baroda BNP Paribas Retirement Fund Direct-Growth?

As of 30 Jun 2026, Baroda BNP Paribas Retirement Fund Direct-Growth has 71.73% allocated to equity, and 27.97% to debt. You can also check the historical trends above.

What is the market cap allocation of Baroda BNP Paribas Retirement Fund Direct-Growth?

As of 30 Jun 2026, Baroda BNP Paribas Retirement Fund Direct-Growth's market cap allocation is 59.58% in large caps, 25.66% in mid caps, and 14.77% in small caps.

What is the PE ratio of Baroda BNP Paribas Retirement Fund Direct-Growth's portfolio?

The portfolio PE ratio of Baroda BNP Paribas Retirement Fund Direct-Growth is 26.47 as of 30 Jun 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.

What is the credit quality of Baroda BNP Paribas Retirement Fund Direct-Growth?

As of 30 Jun 2026, Baroda BNP Paribas Retirement Fund Direct-Growth's debt portfolio has 1.28% in AAA-rated instruments, 1.05% in AA-rated, and 23.61% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.

When is the latest portfolio disclosure for Baroda BNP Paribas Retirement Fund Direct-Growth?

The latest portfolio disclosure for Baroda BNP Paribas Retirement Fund Direct-Growth is as of 30 Jun 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.

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Asset

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Equity

71.73%

68.99%

70.98%

69.17%

72.01%

73.32%

Debt

27.97%

32.86%

29.23%

30.14%

25.30%

23.79%

Others (incl. cash)

0.30%

-1.85%

-0.21%

0.69%

0.52%

0.44%

Commodities

0.00%

Real Estate

0.00%

2.17%

2.45%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

HDFC Bank Ltd.

Financial

1,50,000

11.97

3.03%

0.15%↑

Larsen & Toubro Ltd.

Construction

27,500

11.39

2.88%

0.25%↑

ICICI Bank Ltd.

Financial

80,000

2.78%

0.19%↑

State Bank of India

Financial

90,000

9.24

2.34%

0.10%↑

Axis Bank Ltd.

Financial

57,500

7.74

1.96%

0.05%↑

Bharti Airtel Ltd.

Communication

41,515

7.69

1.94%

-0.02%↓

Bharat Heavy Electricals Ltd.

Capital Goods

1,82,049

7.54

1.91%

-0.34%↓

Titan Company Ltd.

Consumer Discretionary

17,000

7.49

1.89%

0.10%↑

Divis Laboratories Ltd.

Healthcare

11,000

7.24

1.83%

-0.06%↓

Hitachi Energy India Ltd.

Capital Goods

2,000

6.98

1.77%

-0.78%↓

Navin Fluorine International Ltd.

Chemicals

8,840

6.8

1.72%

0.09%↑

Multi Commodity Exchange Of India Ltd.

Services

23,000

6.53

1.65%

-0.10%↓

Reliance Industries Ltd.

Energy

50,000

6.47

1.64%

-1.15%↓

Radico Khaitan Ltd.

Consumer Staples

15,703

6.2

1.57%

0.12%↑

Mahindra & Mahindra Ltd.

Automobile

20,000

6.14

1.55%

0.29%↑

GE Vernova T&D India Ltd

Capital Goods

12,000

5.93

1.50%

-0.09%↓

Hindustan Petroleum Corporation Ltd.

Energy

1,50,000

5.92

1.50%

-0.02%↓

Britannia Industries Ltd.

Consumer Staples

11,350

5.84

1.48%

-0.04%↓

Travel Food Services Ltd.

Services

44,038

5.83

1.47%

0.08%↑

Nippon Life India Asset Management Ltd.

Financial

50,000

5.81

1.47%

0.05%↑

Sector

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Financial

23.16%

19.15%

19.82%

19.57%

21.94%

21.99%

Capital Goods

8.02%

9.34%

8.41%

7.08%

7.03%

6.13%

Services

5.97%

6.94%

10.54%

10.22%

11.32%

12.24%

Automobile

5.79%

5.32%

4.31%

4.45%

4.78%

4.61%

Healthcare

4.45%

3.21%

4.74%

4.69%

4.72%

4.58%

Energy

4.07%

4.31%

3.04%

3.10%

2.89%

2.91%

Chemicals

3.77%

2.67%

2.63%

2.61%

2.35%

2.29%

Technology

3.19%

4.19%

4.90%

5.29%

4.84%

6.22%

Consumer Staples

3.05%

2.97%

3.11%

2.91%

2.80%

2.84%

Construction

2.88%

2.63%

2.48%

2.35%

2.34%

2.38%

Communication

1.94%

1.96%

2.03%

2.08%

1.98%

2.08%

Consumer Discretionary

1.89%

1.79%

1.76%

1.73%

1.70%

1.57%

Materials

1.48%

1.69%

1.92%

1.89%

2.20%

2.31%

Insurance

1.34%

1.42%

Metals & Mining

0.73%

1.40%

1.29%

1.20%

1.12%

1.17%

Rating

Fund