{"id":244002,"date":"2026-09-11T13:15:28","date_gmt":"2026-09-11T07:45:28","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/"},"modified":"2026-09-11T13:15:28","modified_gmt":"2026-09-11T07:45:28","slug":"baroda-bnp-paribas-retirement-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/","title":{"rendered":"Baroda BNP Paribas Retirement Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/baroda-bnp-paribas-retirement-fund-g-direct-plan\">Baroda BNP Paribas Retirement Fund Direct Growth Plan<\/a> has a NAV of \u20b912.0095 as of 10 Sep 2026 and a scheme AUM of \u20b9404 Cr. Its 1-year, 3-year and 5-year returns are 5.44%, 0% and 0%, and the scheme sits in the High Risk category. Our view is that the fund looks best suited to investors who can stay invested for a long horizon and are comfortable with a portfolio that can move meaningfully with markets.<\/p>\n<p>Against the Nifty 50 benchmark, the fund has held up better over 1 year and 3 months but remains mixed over shorter stretches. The portfolio is anchored by government securities and a relatively small set of large positions, so the return pattern may suit investors looking for retirement-oriented exposure with visible policy and market risk rather than steady near-term consistency.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Baroda_BNP_Paribas_Retirement\" title=\"Should you BUY or HOLD Baroda BNP Paribas Retirement?\">Should you BUY or HOLD Baroda BNP Paribas Retirement?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/baroda-bnp-paribas-retirement-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b912.0095 as of 10 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9404 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>1.16%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>28 May 2024<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9250<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Solution Oriented<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Silky Jain, Yash Mehta, Gurvinder Singh Wasan<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Silky Jain, Yash Mehta and Gurvinder Singh Wasan.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-1.88%<\/td>\n<td>-4.06%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>5.55%<\/td>\n<td>1.37%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>5.44%<\/td>\n<td>-7.31%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The near-term pattern has been uneven but not weak in a straight line. Over 3 months, the fund has moved ahead of the benchmark by a clear margin, while the 1-month figure shows a modest pullback that was still less severe than the benchmark\u2019s decline. That tells us the fund has had some resilience in recent volatility, even though the path has not been smooth.<\/p>\n<p>The 1-year return is more important here because it provides the clearest longer window available. At 5.44%, the fund is ahead of the Nifty 50\u2019s -7.31% over the same period, which suggests it has protected capital better than the benchmark across a choppier market phase. The 3-year and 5-year figures are not available in the current record, so we should avoid reading any long-cycle stability into those slots.<\/p>\n<p>The daily pattern underneath the quoted returns also points to a fund that has tended to rise in steps and then give back part of those gains. That kind of movement is consistent with a high-risk retirement scheme that can benefit from market upswings but can also face short, sharp reversals. Our view is that the recent return picture looks better than the benchmark, but not smooth enough to treat it as defensive.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Baroda_BNP_Paribas_Retirement\"><\/span>Should you BUY or HOLD Baroda BNP Paribas Retirement?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Baroda BNP Paribas Retirement? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/baroda-bnp-paribas-retirement-fund-g-direct-plan\">Baroda BNP Paribas Retirement Fund Direct Growth Plan<\/a><\/td>\n<td>5.44%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-retirement-fund-30-g-direct-plan\">Aditya Birla SL Retirement Fund-30 Direct Growth Plan<\/a><\/td>\n<td>14.79%<\/td>\n<td>16.18%<\/td>\n<td>12.49%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-retirement-sav-fund-prog-plan-g-direct-plan\">Tata Retirement Sav Fund &#8211; Prog Plan Direct Growth Plan<\/a><\/td>\n<td>8.66%<\/td>\n<td>13.2%<\/td>\n<td>11.09%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-retirement-fund-hybrid-aggressive-plan-g-direct-plan\">ICICI Pru Retirement Fund-Hybrid Aggressive Plan Direct Growth Plan<\/a><\/td>\n<td>8.65%<\/td>\n<td>17.37%<\/td>\n<td>15.41%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-retirement-fund-pure-equity-plan-g-direct-plan\">ICICI Pru Retirement Fund-Pure Equity Plan Direct Growth Plan<\/a><\/td>\n<td>8.44%<\/td>\n<td>19.37%<\/td>\n<td>19.59%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-retirement-sav-fund-mod-plan-g-direct-plan\">Tata Retirement Sav Fund &#8211; Mod Plan Direct Growth Plan<\/a><\/td>\n<td>8.26%<\/td>\n<td>12.43%<\/td>\n<td>10.96%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On 1-year returns, the fund trails each of the five peer schemes listed here, so its recent performance is softer than the peer set. That makes the latest year look less competitive, even though it still beats the benchmark over the same period.<\/p>\n<p>The longer-term comparison is not available for the current fund, while the peer group has visible 3-year and 5-year records. Those peers show materially stronger compounding than the current fund can demonstrate today, which means the peer table leans more favourably toward funds with established longer-run histories. In short, the short-term story is mixed, but the absence of 3-year and 5-year figures for this scheme leaves the broader comparison tilted toward peers with fuller track records.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>6.9% Government of India (15\/04\/2065)<\/td>\n<td>Government Securities<\/td>\n<td>17.71%<\/td>\n<\/tr>\n<tr>\n<td>7.34% Government of India (22\/04\/2064)<\/td>\n<td>Government Securities<\/td>\n<td>3.85%<\/td>\n<\/tr>\n<tr>\n<td>ICICI Bank Limited<\/td>\n<td>Bank<\/td>\n<td>2.87%<\/td>\n<\/tr>\n<tr>\n<td>Larsen &amp; Toubro Limited<\/td>\n<td>Infrastructure<\/td>\n<td>2.75%<\/td>\n<\/tr>\n<tr>\n<td>Divi&#8217;S Laboratories Limited<\/td>\n<td>Healthcare<\/td>\n<td>2.57%<\/td>\n<\/tr>\n<tr>\n<td>State Bank of India<\/td>\n<td>Bank<\/td>\n<td>2.36%<\/td>\n<\/tr>\n<tr>\n<td>Titan Company Limited<\/td>\n<td>Diamond &amp; Jewellery<\/td>\n<td>2.14%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Limited<\/td>\n<td>Bank<\/td>\n<td>2.1%<\/td>\n<\/tr>\n<tr>\n<td>Clearing Corporation of India Ltd<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>2.01%<\/td>\n<\/tr>\n<tr>\n<td>Bharat Heavy Electricals Limited<\/td>\n<td>Capital Goods<\/td>\n<td>1.99%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 40.35% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/baroda-bnp-paribas-retirement-fund-g-direct-plan\">Baroda BNP Paribas Retirement Fund Direct Growth Plan<\/a> page<\/p>\n<p>The single largest holding, the 6.9% Government of India security due 15 April 2065, carries a weight of 17.71%, which is large enough to matter at the portfolio level on its own. After that, the weights fall away quickly into a much smaller band, with the second holding at 3.85% and the tenth at 1.99%. That spread suggests the portfolio is not relying on a handful of equally sized positions; instead, one bond dominates the disclosed list while the rest sit at more moderate weights.<\/p>\n<p>The top 10 disclosed holdings together account for 40.35% of the portfolio, and the scheme discloses 57 holdings in total. That combination points to a portfolio that is partly concentrated at the top but still has a longer tail beneath the largest positions. In our view, the disclosed structure may give the fund meaningful exposure to its biggest positions without making the entire portfolio dependent on just a few names.<\/p>\n<p>The presence of government securities near the top, along with bank, infrastructure, healthcare and capital goods holdings, also suggests that the visible book is mixed rather than narrowly themed. For investors, that can mean the largest line items may have greater influence on returns, but the overall holding set is broad enough that other positions could still contribute in a non-trivial way.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund is better aligned with investors who can tolerate High Risk and who are comfortable with a retirement-oriented scheme that may move around before it compounds. The 1-year return is positive and ahead of the benchmark, but the 3-year and 5-year return fields are not available here, so the case for long-horizon patience matters more than the case for short-term consistency.<\/p>\n<p>The fund may suit an investor with a long holding period who can accept uneven short-term behaviour in exchange for the possibility of stronger medium-term recovery. The main trade-off is clear: you get a mix of government securities and equities, but you also accept higher volatility and a return path that has been choppy at times. It is less suitable for anyone looking for a steady, low-variation outcome.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Baroda BNP Paribas Retirement Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b912.0095 as of 10 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s 1-year return is 5.44%, while the 3-year and 5-year returns are not available in the current record.<\/p>\n<p><strong>How has the fund performed against the benchmark?<\/strong><br \/>Over 1 year, the fund has returned 5.44% versus -7.31% for the Nifty 50. Over 3 months, it has also stayed ahead of the benchmark.<\/p>\n<p><strong>How does it compare with the peer funds listed here?<\/strong><br \/>Its 1-year return is below the five peer schemes shown here, while those peers also show stronger 3-year and 5-year figures where available.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9250.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Silky Jain, Yash Mehta and Gurvinder Singh Wasan. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Baroda BNP Paribas Retirement Fund Direct Growth Plan has shown a better 1-year outcome than the benchmark, but the recent path has still been uneven and the longer-run figures are not available in the current record. Compared with the peer set shown here, its latest return is softer, while the portfolio remains anchored by a large government-security position and a fairly broad tail of holdings. The combination points to a high-risk retirement scheme that may suit patient investors who can handle volatility and are focused on long-term compounding rather than smooth short-term performance.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 11 September 2026 at 1:13 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Baroda BNP Paribas Retirement Fund Direct Growth Plan\",\"identifier\":\"baroda-bnp-paribas-retirement-fund-g-direct-plan\",\"category\":\"Solution Oriented\",\"dateCreated\":\"28 May 2024\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":12.0095,\"valueReference\":\"as of 10 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"404 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"1.16\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":5.44},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Silky Jain, Yash Mehta, Gurvinder Singh Wasan\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Baroda BNP Paribas Retirement Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b912.0095 as of 10 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year return is 5.44%, while the 3-year and 5-year returns are not available in the current record.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund performed against the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Over 1 year, the fund has returned 5.44% versus -7.31% for the Nifty 50. Over 3 months, it has also stayed ahead of the benchmark.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds listed here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is below the five peer schemes shown here, while those peers also show stronger 3-year and 5-year figures where available.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9250.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Silky Jain, Yash Mehta and Gurvinder Singh Wasan. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Baroda BNP Paribas Retirement Fund Direct Growth Plan has a NAV of \u20b912.0095 as of 10 Sep 2026, AUM of \u20b9404 Cr and a High Risk profile.<\/p>\n","protected":false},"author":38,"featured_media":243999,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-244002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["243999"],"rank_math_title":["Baroda BNP Paribas Retirement Fund Review 2026"],"rank_math_description":["Baroda BNP Paribas Retirement Fund Direct Growth Plan NAV is \u20b912.0095 as of 10 Sep 2026; 1Y return is 5.44%."],"rank_math_focus_keyword":["Baroda BNP Paribas Retirement Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Baroda_BNP_Paribas_Retirement_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/244002","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=244002"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/244002\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/243999"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=244002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=244002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=244002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}