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Baroda Treasury Advantage Fund


Debt: Low Duration

1 Lakh

Investment declined to
₹ 0.87 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.26 Lakh

Suitability:

Low Duration debt funds invest in bonds maturing in six months to a year. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital.

Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to three months maturity, from the one that invests in bonds maturing in three to six months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to a year in a Liquid fund.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund -13.27 0.00 0.14 0.44 2.02 30.99 -13.07 -9.08 -2.41 0.81 3.32
CCIL T Bill Liquidity Weight 2.98 0.02 0.04 0.21 0.63 1.18 3.20 3.90 4.12 4.53 4.75
Debt: Low Duration 6.02 0.01 0.10 0.47 1.45 5.50 6.32 5.09 6.08 6.67 7.43
Rank within category 25 17 3 17 1 1 25 25 24 22 19
Number of funds in category 25 25 25 25 25 25 25 25 24 22 19

As on 27-Nov-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Baroda Treasury Advantage Fund
1 star
Jun-09 -13.07 -9.08 -2.41 0.90 38
ICICI Prudential Savings Fund  | Invest Now
5 star
Sep-02 8.35 8.09 8.15 0.55 23,677
Aditya Birla Sun Life Low Duration Fund  | Invest Online
4 star
May-98 7.75 7.68 7.64 1.22 14,196
SBI Magnum Low Duration Fund  | Invest Online
4 star
Jul-07 6.77 7.54 7.55 1.10 12,452
Kotak Low Duration Fund - Standard Plan  | Invest Online
4 star
Mar-08 8.07 7.88 8.02 1.12 9,427

Best & Worst Performance

Best (Period) Worst (Period)
Week 25.64 (10-Jul-2020 - 17-Jul-2020) -28.55 (04-Mar-2020 - 11-Mar-2020)
Month 26.51 (17-Jun-2020 - 17-Jul-2020) -30.09 (12-Feb-2020 - 13-Mar-2020)
Quarter 28.62 (19-May-2020 - 18-Aug-2020) -33.31 (18-Feb-2020 - 19-May-2020)
Year 10.67 (20-Aug-2013 - 20-Aug-2014) -47.37 (03-Jun-2019 - 02-Jun-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -6.19 25.15 -0.44 -0.31 -22.54 -35.47
CCIL T Bill Liquidity Weight 3.89 0.32 -3.35 -6.53 -- --
Debt: Low Duration 5.14 4.37 1.15 2.38 -0.75 -0.64
Rank within category 25 25 23 25 1 25
Number of funds in category 25 25 25 25 25 25

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Oct-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 6 10 5 57
Modified Duration (yrs) 0.70 0.93 0.31 0.79
Average Maturity (yrs) 0.89 1.24 0.50 0.92
Yield to Maturity (%) 5.35 15.80 5.35 4.44
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal Reserve Bank of India 182-D 18/03/2021 Treasury Bills SOV 0.00 - 39.17 39.17
equal 8.90% Indiabulls Housing Finance 26/09/2021 Bonds AA 0.00 - 13.07 12.43
equal 8.12% NHPC 22/03/2029 Debenture AAA 0.00 - 6.82 5.90
equal 9.50% Indusind Bank Bonds AA 0.92 - 2.62 2.52
equal 7.85% National Bank Agr. Rur. Devp 23/05/2022 Non Convertible Debenture AAA 0.00 - 1.95 1.95
equal 9.30% Dewan Housing Fin. Corpn. 16/08/2026 Bonds/NCDs D 0.91 - 2.13 1.13

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Oct-2020

Fund Manager

— Alok Sahoo since 10-Jun-2009

Education: Mr. Sahoo is a B.E and PGDM from XIM Bhubaneshwar.

Experience: Prior to joining Baroda AMC he has worked with UTI Mutual Fund and HSBC Mutual Fund.

Funds Managed:

— Hetal P Shah since 10-Jun-2009

Education: Ms. Hetal P. Shah is a B.Com, MBA, and JAIIB.

Experience: Prior to joining Baroda AMC she has worked with Bank of India from may 1999.

Funds Managed:


0.00%

Change from previous, NAV as on 27-Nov-2020

Growth: ₹ 1,494.3409

Dividend Weekly: ₹ 687.0926

More

Dividend Quarterly: ₹ 709.8018

Dividend Monthly: ₹ 687.7830

Dividend Daily: ₹ 708.1353


Investment Strategy

The fund aims to generate regular returns from investments in fixed income instruments, while maintaining adequate liquidity. The fund will invest a minimum of 65% of its assets in money market instruments while investing the rest in debt instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1
Minimum Balance (₹) 1
Exit Load 3% for redemption within 90 days
2% for redemption between 91 - 180 days
1% for redemption between 181 - 365 days

Basic Details

Fund House: Baroda Mutual Fund
Launch Date: 24-Jun-2009
Return Since Launch: 3.58%
Benchmark: CRISIL Low Duration Debt
Riskometer: Moderately Low
Type: Open-ended
Assets: ₹ 38 Cr (As on 31-Oct-2020)
Expense: 0.90% (As on 31-Oct-2020)
Risk Grade: High
Return Grade: Low

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily02-May-20190.0618

 30-Apr-20190.6093
 26-Apr-20190.0892
 24-Apr-20190.1049
 16-Apr-20190.2215
 15-Apr-20190.4067
 11-Apr-20190.0640
 10-Apr-20190.1100
 29-Mar-20190.9766
 28-Mar-20190.3896
 27-Mar-20190.5334
 26-Mar-20190.0718
 25-Mar-20190.3555
 18-Mar-20190.6475
 15-Mar-20190.1799
 14-Mar-20190.8647
 13-Mar-20190.1441
 12-Mar-20190.4504
 11-Mar-20190.8882
 08-Mar-20190.3925
 07-Mar-20190.3782
 06-Mar-20190.6026
 05-Mar-20190.8195
 01-Mar-20190.2196
 28-Feb-20190.1676
Dividend Weekly30-Apr-20190.9735

 22-Apr-20190.0214
 15-Apr-20190.9771
 08-Apr-20191.5090
 25-Mar-20192.5686
 11-Mar-20192.1976
 05-Mar-20191.2292
 25-Feb-20190.3842
 28-Jan-20190.9191
 14-Jan-20191.8410
 07-Jan-20191.2407
 31-Dec-20181.1354
 24-Dec-20181.5638
 17-Dec-20181.3586
 10-Dec-20182.2034
 26-Nov-20181.1025
 19-Nov-20181.6511
 12-Nov-20181.0814
 05-Nov-20180.9082
 29-Oct-20180.4682
 22-Oct-20180.8309
 15-Oct-20181.8634
 01-Oct-20181.8407
 27-Aug-20180.8920
 20-Aug-20180.9911
Dividend Monthly26-Apr-20192.5009

 27-Mar-20196.3373
 27-Feb-20191.0647
 25-Jan-20194.2805
 27-Dec-20185.3779
 27-Nov-20185.2602
 26-Oct-20183.7439
 27-Sep-20180.8909
 27-Aug-20184.5769
 27-Jul-20184.6899
 27-Jun-20185.2232
 25-May-20182.1753
 27-Apr-20184.6610
 27-Mar-20184.4261
 27-Feb-20184.0247
 25-Jan-20184.0749
 27-Dec-20174.0096
 27-Nov-20174.4026
 27-Oct-20175.2219
 27-Sep-20174.0214
 24-Aug-20173.2740
 28-Jul-20174.9935
 30-Jun-20174.0880
 26-May-20174.2139
 28-Apr-20176.1291
Dividend Quarterly22-Mar-201912.2455

 26-Dec-201812.2455
 26-Sep-201812.2455
 02-Jul-201812.2455
 16-Mar-201812.2785
 29-Dec-201712.2785
 27-Sep-201712.2785
 30-Jun-201712.2785
 24-Mar-201712.2785
 30-Dec-201614.4453
 30-Sep-201614.4453
 24-Jun-201614.4453
 23-Mar-201614.4453
 30-Dec-201514.4453
 28-Sep-201514.4453
 26-Jun-201514.4453
 27-Mar-201515.9690
 26-Dec-201416.6949
 30-Sep-201417.9232
 27-Jun-201419.4818
 21-Mar-20147.7927
 27-Dec-201316.7277
 07-Oct-201318.4108
 25-Jun-201318.8092
 22-Mar-201311.0296

Contact Information

AMC: Baroda Asset Management India Ltd

Address: 501, Raheja Titanium, Western Express Highway, Goregoan, (E) Mumbai - 400063

Phone: +91 22-3074 1000

Fax: +91 22-3074 1001

Email: [email protected]

Website: http://www.barodapioneer.in

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

Last Session

VR Helpline

Critical Investment Decisions

dateSaturday, 28-Nov-2020
time04:00 PM - 04:30 PM

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