[An open-ended retirement solution-oriented
scheme having a lock-in of 5 years or till
retirement age (whichever is earlier)]
[An open-ended retirement solution-oriented
scheme having a lock-in of 5 years or till
retirement age (whichever is earlier)]
The primary investment objective of the Scheme is to generate income and capital appreciation by investing in a diversified portfolio of equity and equity related instruments and fixed income instruments with a view to provide a retirement solution to investors. However, there can be no assurance that the investment objective of the Scheme will be realized. The Scheme does not guarantee/indicate any returns.
NAV Details ( As on July 31, 2024 )| Regular Plan - Growth Option | : ₹ 10.7608 |
| Regular Plan - IDCW Option | : ₹ 10.7608 |
| Direct Plan - Growth Option | : ₹ 10.8019 |
| Direct Plan - IDCW Option | : ₹ 10.8019 |
Benchmark Index (Tier 1)CRISIL Hybrid 35+65 Aggressive Index
Date of AllotmentMay 28, 2024
Fund Manager μ| Category | Fund Manager | Managing fund since | Experience |
| Equity | Pratish Krishnan | 28-May-24 | 23 years |
| Fixed Income | Prashant Pimple* | 11-Jul-24 | 24 years |
| Fixed Income | Vikram Pamnani.* | 11-Jul-24 | 14 years |
Load StructureEntry Load: Not Applicable
Exit Load: Nil
For detailed load structure please refer Scheme Information
Document of the scheme.
Minimum Application Amount:
₹ 1,000 and in multiples of ₹ 1
thereafter.
Minimum Additional Application Amount:₹ 1,000 and in
multiples of ₹ 1 thereafter.
| Monthly AAUM## As on July 31, 2024 | : ₹ 293.33 Crores |
| AUM## As on July 31, 2024 | : ₹ 301.13 Crores |
## excluding inter-scheme Investments, if any, by other schemes of Baroda BNP Paribas Mutual Fund, as may be applicable
| NAME OF INSTRUMENT | % of Net Assets | |
| AEROSPACE & DEFENSE | 0.90% | |
| Hindustan Aeronautics Limited | 0.90% | |
| AGRICULTURAL, COMMERCIAL & CONSTRUCTION VEHICLES | 1.92% | |
| Ashok Leyland Limited | 1.92% | |
| AUTO COMPONENTS | 0.97% | |
| UNO Minda Limited | 0.97% | |
| AUTOMOBILES | 2.77% | |
| ✔Mahindra & Mahindra Limited | 1.93% | |
| TVS Motor Company Limited | 0.84% | |
| BANKS | 14.54% | |
| ✔Axis Bank Limited | 2.32% | |
| Bank of Baroda | 1.64% | |
| ✔HDFC Bank Limited | 5.37% | |
| ✔ICICI Bank Limited | 3.91% | |
| State Bank of India | 1.30% | |
| CAPITAL MARKETS | 3.19% | |
| ✔360 One WAM Limited | 2.49% | |
| BSE Limited | 0.70% | |
| CHEMICALS & PETROCHEMICALS | 1.74% | |
| Linde India Limited | 0.98% | |
| Navin Fluorine International Limited | 0.76% | |
| CONSTRUCTION | 1.52% | |
| Larsen & Toubro Limited | 1.52% | |
| CONSUMER DURABLES | 1.29% | |
| Havells India Limited | 1.29% | |
| DIVERSIFIED | 1.17% | |
| 3M India Limited | 1.17% | |
| DIVERSIFIED FMCG | 3.86% | |
| Hindustan Unilever Limited | 1.80% | |
| ✔ITC Limited | 2.06% | |
| ELECTRICAL EQUIPMENT | 1.48% | |
| GE T&D India Limited | 0.79% | |
| Hitachi Energy India Limited | 0.69% | |
| FINANCE | 2.54% | |
| PNB Housing Finance Limited | 1.34% | |
| Power Finance Corporation Limited | 1.20% | |
| Financial Technology (Fintech) | 1.09% | |
| PB Fintech Limited | 1.09% | |
| FOOD PRODUCTS | 1.35% | |
| Mrs. Bectors Food Specialities Limited | 1.35% | |
| HEALTHCARE SERVICES | 1.04% | |
| Max Healthcare Institute Limited | 1.04% | |
| INDUSTRIAL MANUFACTURING | 1.52% | |
| Jyoti CNC Automation Ltd | 1.52% | |
| INDUSTRIAL PRODUCTS | 1.01% | |
| KEI Industries Limited | 1.01% | |
| INSURANCE | 1.26% | |
| Max Financial Services Limited | 1.26% | |
| IT - SOFTWARE | 6.91% | |
| ✔Infosys Limited | 4.96% | |
| Mphasis Limited | 1.18% | |
| Tech Mahindra Limited | 0.77% | |
| LEISURE SERVICES | 0.66% | |
| Westlife Foodworld Limited | 0.66% | |
| NON - FERROUS METALS | 1.07% | |
| Hindalco Industries Limited | 1.07% | |
| PERSONAL PRODUCTS | 2.83% | |
| ✔Dabur India Limited | 2.11% | |
| Godrej Consumer Products Limited | 0.72% | |
| PETROLEUM PRODUCTS | 3.60% | |
| ✔Reliance Industries Limited | 3.60% | |
| PHARMACEUTICALS & BIOTECHNOLOGY | 2.72% | |
| Cipla Limited | 1.13% | |
| Divi's Laboratories Limited | 1.59% | |
| POWER | 2.40% | |
| NTPC Limited | 1.24% | |
| Power Grid Corporation of India Limited | 1.16% | |
| RETAILING | 2.74% | |
| Info Edge (India) Limited | 0.93% | |
| Trent Limited | 1.05% | |
| Zomato Limited | 0.76% | |
| TELECOM - SERVICES | 3.09% | |
| ✔Bharti Airtel Limited | 2.28% | |
| Vodafone Idea Limited | 0.81% | |
| TRANSPORT INFRASTRUCTURE | 1.09% | |
| Adani Ports and Special Economic Zone Limited | 1.09% | |
| LESS THAN 0.75% EXPOSURE | 0.43% | |
| Tata Technologies Ltd | 0.43% | |
| Total Equity Holdings | 72.70% | |
| Fixed Income Holdings | Rating | % of Net Assets |
| Corporate Debt | 6.69% | |
| Jamnagar Utilities & Power Pvt. Ltd. | CRISIL AAA | 3.34% |
| Small Industries Development Bank of India | CRISIL AAA | 3.35% |
| GOVERNMENT BOND | 15.63% | |
| 7.34% GOI (MD 22/04/2064) | Sovereign | 12.26% |
| 7.18% GOI (MD 14/08/2033) | Sovereign | 3.37% |
| REDUCED FACE VALUE BONDS | 1.44% | |
| Piramal Capital & Housing Finance Limited | ICRA AA | 1.44% |
| Total Fixed Income Holdings | 23.76% | |
| TREPS, Cash & Other Net Current Assets | 3.54% | |
| GRAND TOTAL | 100.00% |
Investment in Top 10 scrips constitutes 31.03% of the portfolio
The scheme currently does not have Distribution History.
| TER - Regular Plan (%) | 2.27% |
| TER - Direct Plan (%) | 0.27% |
| Portfolio Turnover Ratio | 0.55 |
| Average Maturity (years) | 21.65 |
| Modified Duration (years) | 8.03 |
| YTM (%) | 7.34% |
| Macaulay Duration† (years) | 8.35 |
* The information contained in this report has been obtained from sources considered to be authentic and reliable. The quantitative data does not
purport to be an offer for purchase and sale of mutual fund units.
†Concept of Macaulay duration: The Macaulay Duration is a
measure of a bond’s sensitivity to interest rate changes. It is
expressed in annual terms. It is the weighted average term to
maturity of the cash flows from a bond. The weight of each
cash flow is determined by dividing the present value of the
cash flow by the price. Factors like a bond’s price, maturity,
coupon, yield to maturity among others impact the calculation
of Macaulay duration. The Macaulay duration can be viewed as
the economic balance point of a group of cash flows. Another
way to interpret the statistic is that it is the weighted average
number of years an investor must maintain a position in the
bond until the present value of the bond’s cash flows equals
the amount paid for the bond. As it provides a way to estimate
the effect of certain market changes on a bond’s price, the
investor can choose an investment that will better meet his
future cash needs.
| Portfolio RoE (%) | 29.03 |
| EPS Growth (%) | 17.23 |
Portfolio RoE and EPS Growth is for trailing 12 months (TTM) whereas the number of stocks is as of July 31, 2024.
➤ Capital appreciation and Income generation over long term.
➤ Investment in diversified portfolio of equity & equity related securities and fixed Income securities.
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
^^Riskometer For Scheme: basis it’s portfolio, For Benchmark [MSCI World Index (TRI)]: basis it’s constituents; As on July 31, 2024
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.